Commercial Insurance in Colorado Springs, CO
Protect your business with coverage tailored to Colorado Springs. Local expertise, multiple carriers, and policies built for real risks.
Protect your business with coverage tailored to Colorado Springs. Local expertise, multiple carriers, and policies built for real risks.
Why Colorado Springs Chooses Us
Insurance with a purpose is more than a tagline. We’re more than just an insurance agency, we’re neighbors, We’re consumers of products from small and local, advocates, and partners in protecting what matters most to Colorado Springs businesses.
Value-driven, client-first approach
Deep roots in the Colorado Springs community
Access to multiple top-rated carriers
No hidden agency fees
Local claims support when you need it most
Staff with active military ties
Proudly minority-owned
Coverage We Write
From mom-and-pop shops to large commercial operations, we tailor coverage to match your risks, not someone else’s.
General Liability Insurance
Covers the everyday risks that come with running a business, from customer slips and falls to property damage. It’s the foundation of protection for Colorado Springs businesses of all sizes.
Commercial Property Insurance
Protects your building, equipment, and inventory from fire, theft, vandalism, or weather damage. Essential for retail shops, offices, and restaurants across the Pikes Peak region.
Workers’ Compensation
Required in Colorado for businesses with employees. Covers medical costs and lost wages if a team member gets hurt on the job. Critical for contractors, restaurants, and healthcare providers.
Commercial Auto & Trucking Insurance
Whether you run a few work vans in town or manage long-haul trucking routes across state lines, we help keep your vehicles compliant and protected. Meets DOT requirements and safeguards your drivers.
Professional Liability (E&O)
Shields service providers, from consultants to contractors against claims of mistakes, errors, or negligence. A must for professionals giving advice or delivering specialized work.
Cyber Liability
Protects against data breaches, cyberattacks, and ransomware. Even small businesses in Colorado Springs are frequent targets this policy helps with recovery costs and liability.
Business Owner’s Policy (BOP)
Combines General Liability and Commercial Property into one affordable package. Tailored for small and mid-sized businesses that want streamlined coverage.
Umbrella & Excess Liability
Adds an extra layer of protection beyond your standard policies. Ideal for businesses with higher risk exposure or those that need to meet contract requirements.
Liquor Liability Insurance
Required for restaurants, bars, breweries, and special event venues serving alcohol. Colorado Springs’ booming craft beer and distillery scene makes this coverage a must.
Flood Insurance
Standard property policies don’t cover flooding. We help businesses in flood-prone areas of El Paso County secure specialized protection for their property and equipment.
Special Event Insurance
From weddings at Garden of the Gods to corporate retreats, we cover short-term events against accidents, cancellations, or property damage.
Contractors & Construction Coverage
Protects contractors, subcontractors, and builders from job site risks from General Liability to Workers’ Comp and Inland Marine for tools and equipment. We also provide Certificates of Insurance (COIs), often required by the El Paso County Assessor’s office and local municipalities. That way, you can stay compliant with county requirements and win more bids without the paperwork slowing you down.
Colorado Springs businesses face unique risks from hailstorms to city regulations. At Main Street Insurance - Patrick Murakami Agency, we make shopping and issuing coverage simple, helping you stay compliant, protect your assets, and focus on growth. If you’re ready to review your policies or need a Certificate of Insurance today, here.
Frequently Asked Questions About Commercial Insurance in Colorado Springs
Do I need Workers’ Compensation if I only hire part-time or family employees?
Yes. Colorado requires Workers’ Comp for any business with employees, including part-time and family members (with only a few narrow exceptions). This protects your team and keeps you compliant.
Can I get a Certificate of Insurance (COI) the same day?
In most cases, yes. We can issue standard COIs the same day for active clients. If your project requires special endorsements like “Additional Insured” or “Waiver of Subrogation,” we’ll work with the carrier to get it handled quickly.
What’s the difference between General Liability and Professional Liability?
General Liability covers physical risks like customer injuries or property damage. Professional Liability (E&O) covers mistakes in your work or advice. Many Colorado Springs contractors and service providers need both.
Do bars, breweries, or event venues need liquor liability insurance?
Yes. If you sell or serve alcohol, liquor liability is typically required by landlords, venues, and in many cases by law. It protects your business from claims related to alcohol service — a must in Colorado’s brewery and event scene.
Does a Business Owner’s Policy (BOP) cover flood?
No. Flood damage is excluded on standard property and BOP policies. Businesses in flood-prone areas of El Paso County should add a separate flood policy to stay protected.
What insurance do I need to bid on contractor jobs in Colorado Springs?
Most bids require at least General Liability and Workers’ Comp, along with a COI. Depending on the job, you may also need Commercial Auto, Umbrella coverage, or Inland Marine for tools and equipment. We’ll help you meet bid specs and provide the required COIs.
Does my personal auto policy cover business use?
Usually not. Most personal auto policies exclude vehicles primarily used for business. If your vehicles are registered to your business, or if employees drive them, you’ll need commercial auto coverage.
Do small businesses really need cyber insurance?
Yes. Even small businesses in Colorado Springs face cyber threats like ransomware, wire fraud, and data breaches. A cyber policy helps cover recovery costs, client notifications, and legal defense if you’re targeted.
Can I bundle multiple policies together?
Yes. A Business Owner’s Policy (BOP) lets you combine general liability and property, and we can add on other coverages like cyber or EPLI to simplify and save.
What limits do most Colorado Springs businesses carry?
Many start with $1M per occurrence / $2M aggregate liability, and contractors often add a $1M umbrella. We’ll size coverage to your contracts and growth plans.
How do I get proof of coverage for a landlord or client?
Just let us know who needs it. We issue Certificates of Insurance (COIs) fast and can add the right wording (Additional Insured, Waiver of Subrogation, Primary/Non-Contributory) so you stay compliant and win the job.
Ready to Protect Your Colorado Springs Business?
You’ve worked hard to build your business — now let’s make sure it’s covered the right way. From contractors needing COIs to local shops and event venues, Main Street Insurance delivers policies that protect your work and your growth.
👉 Get coverage that works as hard as you do.