The top-rated commercial insurance agent in Windsor, Colorado is Farmers Insurance - Gabriel Garcia-Hitt, rated 5.0 stars across 156 reviews. Other highly rated options include Scott Horvath - State Farm Insurance Agent, Joe Unruh: Allstate Insurance, Scott Harper - State Farm Insurance Agent. This directory lists 19 commercial insurance agents serving Windsor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Gabriel Garcia-Hitt | 671 Academy Ct UNIT A | (970) 686-6839 |
| 2 | Scott Horvath - State Farm Insurance Agent | 1295 Main St #6 | (970) 686-6161 |
| 3 | Joe Unruh: Allstate Insurance | 1051 Main St | (970) 686-1026 |
| 4 | Scott Harper - State Farm Insurance Agent | 819 Main St | (970) 674-0937 |
| 5 | Heidi Washburn - State Farm Insurance Agent | 519 Main St | (970) 833-5304 |
| 6 | Farmers Insurance - Tammy Woods | 208 Main St | (970) 686-6555 |
| 7 | Mary Agcaoili: Allstate Insurance | 1039 Main St H | (970) 686-1026 |
| 8 | Squires Insurance Solutions | 421 Main St B | (970) 686-7778 |
| 9 | LSI Insurance Agency, Inc. | 401 Pointe Plz Dr Suite B | (970) 674-1151 |
| 10 | Brian Binder Agency Inc American Family Insurance | 400 Main St B | (970) 674-3223 |
Farmers Insurance - Gabriel Garcia-Hitt serves the Windsor, Colorado area as a commercial insurance agent. It works with local businesses to assess their unique operational risks and offers policies that protect against common liabilities and property exposures. The agency also helps commercial clients meet coverage requirements that may be mandated by lenders or local regulations. Among the specific services it handles in this area are general liability insurance and workers’ compensation coverage for small and medium-sized enterprises.
Scott Horvath - State Farm Insurance Agent serves homeowners, businesses, and property managers in Windsor, Colorado who require commercial insurance coverage. The agency works to help local entrepreneurs and property owners find policies that address liability, property protection, and business continuity needs. Clients receive personalized guidance on managing risks and securing appropriate coverage for their operations. The agency also provides services to commercial clients in neighboring communities throughout the greater Greeley area.
Joe Unruh: Allstate Insurance provides commercial insurance coverage for a variety of business needs common to the Windsor, Colorado area. Service plans include regular policy reviews to ensure adequate liability and property protection adjust to changing operations. Maintenance of accounts involves timely renewal processing and claims support. The agency services properties such as single-family homes used for home-based businesses, apartments, retail storefronts, and locally owned restaurants.
Scott Harper - State Farm Insurance Agent serves Windsor, Colorado, and the surrounding communities, handling commercial insurance for local businesses. The agency works with property, liability, and auto coverage needs for various small to mid-sized companies in the area. It focuses on assessing each business’s specific risks and reviewing policy options to match operational requirements. For a typical job, the agent collects details about business operations and revenue to recommend appropriate coverage limits from available plans, then explains how deductibles and endorsements affect the final policy.
Commercial insurance clients may choose between single-purchase policies for isolated risks or ongoing coverage plans for continuous protection. Heidi Washburn assists Windsor businesses in securing liability, property, and workers’ compensation insurance. Each policy is tailored to the specific operational exposures of the client’s industry. Account reviews and policy adjustments are available on a recurring annual schedule, with additional consultations provided as-needed for major business changes or new equipment acquisitions.
As Windsor businesses prepare for seasonal equipment changes or liability renewals, Farmers Insurance - Tammy Woods provides tailored commercial insurance agent services to local entrepreneurs and property owners. The company helps retail shops, contractors, and agricultural operations analyze their unique risk exposures. Coverages discussed typically include general liability, property, and workers' compensation policies. Windsor companies benefit from personalized loss prevention advice shaped by common regional hazards. Every new client engagement begins with a complimentary on-site assessment of business premises and operational protocols to identify specific insurance needs and potential coverage gaps.
Mary Agcaoili: Allstate Insurance in Windsor, CO specializes in commercial auto, general liability, and property coverage for local businesses. It also provides workers’ compensation policies to protect employees and business income protection to help companies manage interruptions. The agency works with small retailers, independent contractors, and professional services to tailor coverage for specific operational risks. As winter approaches, it helps entrepreneurs review their insurance needs for snow removal vehicles and liability associated with seasonal weather hazards on their premises.
Squires Insurance Solutions in Windsor, Colorado is known for helping local businesses manage their commercial risks with tailored coverage options. The agency addresses the insurance needs of a wide range of enterprises, from small retail shops to larger agricultural operations. Their client services focus on identifying specific liability exposures and matching them with appropriate policy structures. For added protection, they can layer a business owner’s policy with specialized inland marine coverage for equipment or tools transported between job sites.
LSI Insurance Agency, Inc. provides residential insurance services for homeowners in and around Windsor, Colorado. The firm also works with local business owners to obtain commercial property and liability coverage. Policyholders receive careful risk assessments and personalized recommendations tailored to their specific needs. The team serves the surrounding region with clear policy explanations and efficient claims guidance. Between regular renewals or unexpected life events, existing clients can easily return for policy reviews and adjustments to keep their coverage current.
As a commercial insurance agent, Brian Binder Agency Inc American Family Insurance works with businesses in Windsor, CO, to secure essential liability, property, and workers compensation coverage. The agency specializes in adding tailored endorsements that address industry-specific risks beyond standard policies. Through careful review of operations and exposures, the agent helps local companies build comprehensive plans. This Windsor-based firm can serve commercial sectors such as offices, warehouses, and food service operations.
What Does a a Commercial Insurance Agent in Windsor Cost?
Commercial insurance costs in Colorado vary widely by industry size and risk. A small retail shop in Windsor might pay 500 to 1500 dollars per year for general liability. A construction contractor could pay 3000 to 8000 dollars annually for a comprehensive package. Workers compensation rates are set by class code and average around 1.50 to 3.00 dollars per 100 dollars of payroll. This is general information not insurance advice.
About commercial insurance agents in Windsor
Commercial insurance agents in Windsor Colorado help local businesses find coverage for liability property and workers compensation. Colorado law requires most employers to carry workers compensation insurance even for small businesses. An agent can review your specific operations and recommend policies that meet state mandates and protect your assets.
Frequently Asked Questions
What types of commercial insurance do Windsor businesses need?
Common policies include general liability commercial property workers compensation and commercial auto. Colorado requires workers comp for businesses with one or more employees. An agent can help you bundle coverages for better protection.
How does Colorado law affect commercial insurance requirements?
Colorado Revised Statutes Title 8 governs workers compensation. Businesses must carry coverage or face fines. The state also has specific liability limits for certain industries like construction and agriculture. Your agent will ensure compliance with these rules.
Can a Windsor agent help with business interruption insurance?
Yes. Business interruption insurance replaces lost income if your operations stop due to a covered event. An agent can assess your revenue and operating expenses to set appropriate coverage limits for your Windsor location.
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