for-your-businessFor Your Business

Business Owners Policy (BOP)

A BOP policy combines various coverage options into one convenient package for more benefits than a typical Business policy. Plus, you’ll receive better savings through competitive pricing. The proper BOP can keep your day-to-day operations protected with options like:

  • Products and Completed Operations
  • Premises Liability
  • Premises Medical
  • Fire Legal Liability
  • Business Income Insurance
  • Building and Personal Property Protection
  • On-Site Equipment Insurance
  • Coverage for Inventory Loss
  • Crime Insurance

Commercial Auto Insurance

Protect your commercial autos with coverage from Bolder Insurance. We will work with you to create a customized policy that may include:

  • Bodily Injury and Property Damage Liability
  • Medical Payments
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage
  • Bailee Coverage
  • Hired and Non-Owned Auto Coverage
  • Drive Other Car Coverage

Commercial General Liability

Commercial General Liability can prevent major financial losses if your business is sued or held legally responsible for bodily injury or damage of others. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Depending on your business needs coverages can include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Garage Keepers Liability
  • Employment Practices Liability
  • International Liability
  • Liquor Liability

Commercial Property Insurance

With a custom Property Insurance policy you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your business insured for damage to:

  • Your owned building
  • Your tenant finish in a building you don’t own.
  • Furniture, fixtures and equipment
  • Outdoor signs
  • Your inventory
  • Boiler and machinery
  • Equipment breakdown

Umbrella Insurance

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing or underlying General, Auto, or other Business Liability Policy. It can also insure an incident that occurs outside of your coverage territory. What Does Commercial Umbrella Insurance Cover?

  • Accidental falls or slips on your property
  • Libel, slander, or invasion of privacy
  • Your products that cause injury or illness
  • A fire in your building that damages other property
  • Employment practices liability
  • A business vehicle involved in a major accident
  • Your defense cost involved with any law suit

Professional Liability

While it’s important for your business to have general liability coverage for Bodily Injury and Property Damage, you should also consider adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business are protected from claims of negligence made by third parties or even internal sources. From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O)

  • E & O covers any mistakes made by you or your employees who work on behalf of your business. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O)

  • D&O can prevent a loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability

  • Fiduciary Liability covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability

  • With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Workers Compensation

Required in Colorado, Workers Compensation can ensure payments to cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and even death. Workers Compensation can cover financial obligations such as:

  • An injured employee’s medical expenses/treatment
  • The replacement of lost wages resulting from injury


Owning a business means taking risks. We offer a variety of bonds to ensure that your business is protected. While there are many bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task. Our business solution services include:

  • Performance Bonds
  • Contractor’s Bonds
  • ERISA Bonds
  • Fiduciary Bonds
  • Sub-Division Bonds
  • Court Bonds
  • Conservator Bonds
  • Surety Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses


Whether your office is large or small, Bolder Insurance has the right coverage for you. Please consider all of the following when purchasing insurance for your business office:

  • Evaluate the amount of coverage for your business property
  • Bodily Injury and Property Damage Liability
  • Workers Compensation for your employees
  • Employer Practices Liability
  • Employee Benefits Liability
  • Cyber Liability and Data Breach
Insurance Quote
Happy father and daughter with personal insurance

“We like to have fun while we work, and the excellent people at Bolder Insurance have given me the peace of mind that allows me to do just that!” 

Drew Honness

Owner, Sweet Cow