Tessa WilliamsFinding the right insurance for your company takes time you probably don’t have. As a business owner, you need reliable protection without overpaying.
The best business insurance broker in Denver will shop the market, explain complex terms, and defend your rates. You really need a guide who understands local risks, not just a salesperson.
I looked into the top options in the city to help you narrow down your search. Here’s a breakdown of the best local brokers who can secure the right coverage so you can focus on growing your business.
How much does business insurance cost in Denver?
Securing coverage through a business insurance broker in Denver usually costs you nothing upfront since they earn a 2% to 8% commission from the insurer.
The rates of your actual policy will depend on factors like a median $67 monthly cost for a Business Owners Policy (BOP).
| Coverage / Fee Type | Average Cost / Fee Structure |
| General Liability | $300 – $3,000 annually |
| Business Owners Policy (BOP) | $804 annually (median $67/month) |
| Standard Broker Commission | 2% – 8% of the yearly premium (paid by insurer) |
| Specialized Broker Fee | 5% – 20% of the policy cost |
1. Denver Insurance LLC
Website: https://www.denverinsuranceteam.com/
Address: 1127 Auraria Pkwy #22
Contact: (720) 446-5566 | [email protected]
Hours: Monday – Friday: 9:00 AM – 5:00 PM
Denver Insurance LLC operates as a fully independent agency, which means they can shop across more than 30 top Colorado carriers.
They even advocate for you, acting as local guides who focus on educating you about your policy details to help avoid surprises during a claim.
I spoke with an agent there recently, and they quickly found gaps in my sample policy. Their proactive approach allows them to suggest clever bundles that save money while maintaining protection.
They also handle the heavy lifting of comparing rates through a quick online process. However, this digital-first system might be frustrating if you prefer meeting in person.
On the flip side, I think it’s nice that they donate profits to local charities like the Rocky Mountain MicroFinance Institute.
Customer Reviews:
Got my insurance monthly rate down
Jim’s on point. Told him what I was looking for and he went above and beyond. Got my insurance monthly rate down and was professional and a pleasure to do business with. He’s got my business for life. Thanks Jim!
- M | Google Review
Super responsive and knowledgeable
Jim and Denver insurance jumped right on it when I needed some help with my policy. This team is super responsive and knowledgeable. Jim was able to make great recommendations to save me a lot of money when I switched from another agency.
- Asher Deitch | Google Review
2. Square State Insurance
Website: https://squarestateinsurance.com/
Address: 1312 17th St #188
Contact: (720) 346-7873 | [email protected]
Hours:
- Monday – Friday: 8:00 AM – 6:00 PM
- Saturday – Sunday: 9:00 AM – 3:00 PM
Square State Insurance works as a dedicated negotiator for your business by securing the best policies from dozens of highly rated companies.
One of the best things about them is that every client gets their agent’s personal cell phone number. This means you can call or text directly instead of dealing with a frustrating call center.
They even guarantee a one-hour response time for all messages. Their agents strip away confusing jargon so you really understand what your premium covers.
And since they’re local, working with them supports the economy right here in Colorado.
However, their licensing is strictly limited to Colorado businesses. They also use outside specialists for some complex commercial needs instead of doing everything in-house.
Customer Reviews:
Great service
Great service usually within ten minutes if not available to take a call right away. Expert in insurance business, know what coverages you need, researches to find lowest costs, and also know the STR rental policies well. Highly recommended, give him a call now and reduce what you are paying every year for all types of coverage!
- Travis Roberts | Google Review
Greate customer service
If customer service matters to you, if someone answering the phone matters to you and if prompt action matters to you, then Jeff Evans and Square State Insurance are who you are looking to do business with.
- Tyron Properties | Google Review
3. Longevity Insurance Brokers
Website: https://longevitybrokers.com/
Address: 100 Fillmore St
Contact: (720) 209-4598 | [email protected]
Hours: Monday – Friday: 9:00 AM – 5:00 PM
Longevity Insurance Brokers really takes the complexity out of getting a quote. They refuse to bounce clients between different people, so you always maintain a consistent relationship with one dedicated representative.
For instance, a friend of mine used their services recently and loved their strict zero-hold-time policy. They focus specifically on rate stability and rarely automatically increase premiums.
Since they’re an independent broker, they offer genuine choices if a carrier ever hikes your rates. You can even cover your commercial, auto, and life assets all under one roof.
Overall, they provide a personal touch that big corporate agencies often lack.
Just remember that they only see clients for in-person meetings by appointment. This is a significant drawback for individuals who require immediate walk-in assistance or those who prefer the convenience of virtual consultations.
Customer Reviews:
We were blown away!
Chris was so helpful. He was very patient with our busy schedules and life events that were happening simultaneously. He found us a great policy for our home and vehicles. He even helped us find an agent for a business insurance policy. We were blown away! Thank you, Chris!!!
- Cynthia Zimmerli | Google Review
Very pleased with the responsiveness and rates
Solid agent, very pleased with the responsiveness and rates. Insurance agents are a dime a dozen and often have the same companies. This agency gives you that extra service though and that is why they earn my business.
- Adam Gula | Google Review
4. Aspen Insurance Agency
Website: http://www.aspeninsuranceagency.com/
Address: 2255 S Broadway
Contact: (303) 777-2991 | [email protected]
Hours: Monday – Friday: 8:00 AM – 5:00 PM
Aspen Insurance Agency proactively shops your rates every year across their massive network. This constant monitoring ensures you always have a competitive deal without ever needing to ask.
They also act as a complete risk management hub and offer consulting on complex protections for business leaders.
Their dedicated advisors specialize in commercial lines, so you get deep expertise instead of just general advice. They often work with local mortgage brokers and financial advisors as well.
They bring nearly seventy years of local experience to the table and serve clients in over twenty states. Despite that, I like that they still maintain a welcoming family vibe.
Just keep in mind that after hours, you’ll be redirected to a corporate call center. This leads to a lack of specialized knowledge, as generalist call center agents may not have access to your specific history or local nuances.
Customer Reviews:
Awesome and so easy to work with
Caleb with Aspen Insurance is awesome and so easy to work with. I own a chiropractic business and he walked me through the process with very little effort and made it fun! Highly recommend for all business owners in need of thorough coverage to cover their assets.
- Zach Jaskinia | Google Review
Went above and beyond
I enjoy working with Harris Levine at Aspen. He was very helpful in making sure I have the right insurance coverage for my business and went above and beyond in answering my many questions about general liability, professional liability, and workers’ compensation. I highly recommend him.
- Thomas Dalton | Google Review
5. Kuzbiel Insurance Brokers
Website: http://www.kuzbielinsurance.com/
Address: 3280 N Downing St Ste C
Contact: (720) 351-2066 | [email protected]
Hours: Monday – Friday: 8:30 AM – 5:00 PM
Kuzbiel Insurance Brokers really takes the time to understand your business before suggesting any products. They specialize in finding those hidden niche policies that fit small to mid-size companies perfectly.
Plus, they handle the annoying paperwork, like disputing unfair certificate requirements. Every year, they defend your rates by reevaluating your entire package if prices rise.
They also offer bilingual support in Spanish, which makes them very accessible for the community. Their deep local roots help them understand the unique challenges in the Colorado market.
Just be aware that they have a one-business-day turnaround for messages, which can delay urgent inquiries. They don’t offer weekend or late-night availability either.
Customer Reviews:
They are truly experts at their trade
Daniel and the team have helped me with all of the insurance policies for my Water Damage Restoration business. They are always quick to respond and they have walked me through the pro’s and cons of different policies. Highly recommend their services. They are truly experts at their trade.
- Aero Larsen | Google Review
The team is extremely responsive
I have a general contracting business and have been working with Kuzbiel insurance since the beginning. What a blessing they have been as we have scaled and needed more and more services. There prices are phenomenal, the team is extremely responsive, and all of my interactions with him and his team have been 10/10. Daniel has spent multiple sessions with me on the phone explaining exactly what coverage my business needs, often at the expense of singing me up for more insurance. Thank you, Daniel and thank you to your team! Keep up the awesome work.
- Robert Petersen | Google Review
