Call Today : (720) 800-9495

Call us today: 720-800-9495

Let us sweat the insurance details while you focus on your work.

Contact us to discuss your business and
personal insurance needs.

Contractors Insurance for Metro-Denver Businesses

At Mountainside Insurance Management, we specialize in insuring construction managers, design-builders, large general contractors, trade/artisan contractors, and environmental remediation contractors. We understand the exposures and challenges contractors face and continually work to help lower the total cost of risk through robust loss-control strategies, contract review and analysis, and certification of insurance review and management, among other services.

Our construction clients turn to us as their business partner and trusted advisor to secure the insurance products required to address the unique risks of this industry as well as their bond needs. We look forward to the opportunity to partner with you, too.

About

Our Construction Insurance Products

We offer the following insurance solutions for contractors:

  • Commercial Property
  • Builder’s Risk
  • Business Interruption
  • Commercial General Liability Insurance
  • Commercial Umbrella/Excess Liability Insurance
  • Product Liability
  • Contractor’s Pollution Liability
  • Contractor’s Professional Liability
  • Commercial Automobile
  • Inland Marine/Contractor Equipment Floaters
  • Workers Compensation
  • Employment Practices Liability Insurance
  • Cyber Liability
  • Surety & Bonds

We have specific programs for artisan and trade contractors, such as electricians, plumbers, roofers and HVAC.

Our network of top-tier insurance carriers enables us to deliver competitive, comprehensive and tailored solutions.

Frequently Asked Questions

What's the difference between General Liability and Builder's Risk insurance?

General Liability (GL) covers third-party bodily injury and property damage claims arising from your operations — for example, if a subcontractor damages a client's existing structure. It's an ongoing policy that covers your business across all projects.

Builder's Risk is a project-specific policy that covers the structure itself, plus materials and equipment on-site, while it's under construction — protecting against fire, theft, wind, and vandalism during the build. It typically ends when the project is complete and the building is occupied.

Most contractors need both: GL for liability exposure on every job, and Builder's Risk (often required by the project owner or lender) for each specific construction project.

What's a Certificate of Insurance (COI), and why do general contractors require one from subcontractors?

What's a Certificate of Insurance (COI), and why do general contractors require one from subcontractors?

A COI is a document proving a subcontractor carries active insurance coverage, typically General Liability and Workers' Compensation, at specified limits. General contractors require COIs from every sub before allowing them on a job site to confirm they aren't financially exposed if that sub causes a loss or has an injured worker. Many GCs also require subs to name them as an additional insured and provide a waiver of subrogation, which limits the sub's insurer from pursuing the GC after paying a claim.

How does my GL classification code (class code) affect my premium?

Your General Liability class code tells the carrier what type of work you do and how risky it is — for example, code 91583 applies to general roofing contractors, while 91584 applies to residential-only roofing. Misclassification (being coded for lower-risk work than you actually perform, like residential-only when you also do commercial jobs) can lead to coverage disputes or audit findings at renewal that significantly increase your premium retroactively. It's worth confirming your class code accurately reflects 100% of the work you perform, not just your primary trade.

What is an experience modification (mod), and how can I lower mine?

Your experience mod is a number (1.0 is "average") that adjusts your Workers' Compensation premium up or down based on your company's claims history compared to similar businesses in your industry. A mod above 1.0 increases your premium; below 1.0 decreases it. The most effective ways to lower it over time are reducing the frequency and severity of claims, maintaining a written safety program, and reviewing your experience mod worksheet annually for calculation errors — miscalculated mods are more common than most contractors realize, and a corrected mod can mean real premium savings.

Do I need a surety bond, and how is that different from insurance?

A surety bond is a three-party agreement guaranteeing you'll fulfill a contractual obligation, such as completing a project per contract terms (a performance bond) or paying subcontractors and suppliers (a payment bond). Unlike insurance, which protects you against loss, a bond protects the project owner — and if a claim is paid, the bonding company expects you to reimburse them. Many public projects and larger private contracts require bonding before you can even bid.


When do materials staged at a job site move from one type of coverage to another?

Materials delivered to a job site before installation are typically covered under an installation floater or inland marine policy, not general liability. Once materials are installed into the structure, coverage usually shifts to the project's Builder's Risk policy. Contractors should confirm with their broker exactly when that transition happens for a given project, since gaps can occur if timing isn't clearly defined in the policy language.

CALL US TO DISCUSS YOUR INSURANCE

NEEDS TODAY: (720) 800-9495

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