Business insurance in Fort Collins, built around how you operate.
General liability, commercial property, commercial auto, workers comp and more, put together around what a Fort Collins, Loveland or Windsor small business needs to protect.
- Coverage built around what your business actually does.
- General liability, property, commercial auto and workers comp in one conversation.
- A local, family-owned agency in Fort Collins.
2023 · 2024 · 2025
two states
of experience
Fort Collins, CO
Coverage Built for How You Actually Operate
Thompson Insurance Agency helps small businesses across Fort Collins, Loveland, Windsor, Greeley and the rest of Colorado with business insurance. Many small businesses start with a Business Owners Policy (BOP), which bundles general liability and property in one package, and add other coverage as needed. Voted Top 3 in Northern Colorado three consecutive years (2023, 2024, 2025). Licensed in Colorado and Wyoming. To get a quote, call (970) 482-5100.
The right business policy depends on what you do, who you do it for, and what you would lose if something went wrong. We start by talking through how your business operates.
Common coverages for NoCo small businesses.
Not every business needs every one. We will walk through which apply to yours and put together coverage that fits.
General Liability
Core for most businessesPays for third-party bodily injury, property damage, and personal injury claims. Most business contracts and commercial leases require it.
Commercial Property
Buildings + contentsCovers your building (if owned), business contents, inventory, and equipment. Often bundled with general liability into a Business Owners Policy (BOP).
Workers Compensation
Required with employeesColorado generally requires it for businesses with employees. Pays medical and lost-wages benefits for on-the-job injuries.
Commercial Auto
Trucks, vans, fleetCovers vehicles used for business: delivery vans, service trucks and work vehicles. Personal auto policies often exclude business use, which can leave a gap.
Cyber Liability
Data + breach responseHelps pay for the response to a data breach, such as customer notification, credit monitoring, forensics and regulatory defense costs. Worth a look for businesses that handle card payments or sensitive information.
Professional Liability (E&O)
Service + advice businessesFor businesses that sell advice or services, such as consultants, accountants and designers. Covers claims that your professional work was negligent, late or wrong, which general liability does not.
Why a local agent helps with a business policy.
The right business policy structure is not one-size-fits-all. A trades contractor in Loveland needs a different policy than a Fort Collins tech startup or a Windsor restaurant. We build to your actual operations.
Contractors and trades businesses.
General liability, commercial auto for the trucks, workers comp for the crew, and coverage for tools and equipment. We will look at how each fits the work you do.
Restaurants, retail, and storefronts.
A Business Owners Policy (BOP) bundles general liability and property in one place. From there we look at what else fits, such as commercial auto if you deliver.
Professional services and consultants.
Professional liability (E&O) covers claims about the work itself, which general liability does not. We will look at whether it fits your business, alongside general liability.
Questions we get a lot.
If your question isn't here, call us. We'd rather answer it on the phone than read about it in a help center.
Call (970) 482-5100Protect your NoCo business. Talk to a Fort Collins agent.
Tell us what you do and roughly how big the operation is, and we will walk through what your business needs.
2108 Milestone Dr · Fort Collins, CO 80525