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Integrity First, A OneDigital Company

4275 S Broadway
Englewood, CO 80113

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Colorado Commercial Insurance Coverage

Commercial Insurance

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Commercial Insurance in Colorado

No matter what state you own a business in, business insurance is a must-have. While every state has different requirements for what businesses must obtain, you can choose the coverage above required. We can help you choose the right coverage for your business here at Integrity First, A OneDigital Company. We have locations in Englewood, CO, Fargo, ND, and Minnesota.

Commercial Insurance Requirements

Every state has similar requirements. In Colorado, Minnesota, and North Dakota, workers’ compensation insurance is required. In Colorado, it is required for employees of both private and public businesses. In North Dakota, it is required before hiring for both full-time, part-time, or seasonal. It is required for all employees in Minnesota except for sole proprietors, partners, and corporate officers.

Commercial auto insurance is also required for these three states. In Colorado, businesses must possess at least $25,000 of bodily injury coverage for each person, $50,000 worth of bodily injury coverage for each accident, and $15,0000 for property damage coverage for each accident.

In Minnesota, businesses should possess $30,000 for each person and $60,000 for each accident for bodily injury coverage, $10,000 for each accident for property damage coverage, and at least $25,000 of uninsured/underinsured coverage for each person, and $50,000 for each accident.

Lastly, North Dakota requires $25,000 for each person for bodily injury coverage and $50,000 for each accident. They also require $25,000 for each accident's property damage coverage and $25,000 for each person for uninsured coverage.

Additional Coverage

You can also choose from any of the additional coverages for your business no matter the state your business is in:

  • General liability insurance - This covers property damage from customers and injuries.
  • Professional liability coverage - This covers client lawsuits resulting in missed deadlines and mistakes.
  • Cyber liability coverage - This covers businesses that have been exposed to data breaches and cyber-attacks.
  • Business owner’s policy - This combines both property insurance and general liability insurance in one policy.


For quotes, please visit our Integrity First, A OneDigital Company website. We have locations in Englewood, CO, Fargo, ND, and Minnesota.

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Partner Carriers

  • American Modern
  • ASI
  • Auto-Owners
  • Central Insurance Companies
  • Chubb
  • Dairyland Auto Cycle Insurance
  • Dundee Mutual
  • Encompass
  • FIGO
  • Foremost
  • Grinnell Mutual
  • Hagerty
  • Halstad
  • Liberty Mutual
  • MetLife
  • Midland National
  • Nationwide
  • Philadelphia Insurance Companies
  • Progressive
  • Safeco
  • Travelers

Servicing these States

  • Colorado
  • North Dakota
  • Minnesota

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