Locally Owned And Operated

Our team of knowledgeable insurance professionals is experienced in creating personal and commercial insurance policies designed to fit your needs. With APCO Insurance, our friendly staff will work with you on a one-on-one basis to develop not only the perfect policy, but a lasting relationship.

APCO Insurance

Specialized commercial, auto, and home insurance in Colorado

We’re a locally owned agency operating out of Englewood, CO and delivering comprehensive commercial insurance and risk management solutions for the Denver Metro area, Colorado Front Range and statewide. We’ve served businesses and individuals for more than a decade and we continue to grow within our service areas and beyond. As a commercial insurance provider we most often deliver business-related solutions, but for those clients would want to get their personal insurance from one agency, we provide all of the personal-line coverage that these clients need. Altogether, we’re fully committed to giving each client the greatest value and to making the insurance experience easy and affordable.

As an independent agency we partner with numerous insurance carriers to give our clients the greatest selection of coverages. This enables us to offer business programs that are diverse, broad, and flexible, and that provide the protection clients need and want at prices that reflect the best possible deal.

denver colorado general liability insurance experts serving you

About Our Agency

As a locally owned and operated insurance agency in Littlelon, Colorado, APCO Insurance is committed to providing quality insurance products for individuals and businesses. We combine our strong insurance background and product knowledge to assist both current and future clients manage and plan for all types of potential risk.

Commercial Insurance

Our business coverage program is vast and provides coverage and policy options that give an owner of any commercial enterprise every opportunity to stay fully secure. Specific policies within this and other programs include workers compensation, as well as general and professional lability, all of which are frequently purchased and represent critical parts of any commercial insurance portfolio. Commercial auto is another policy that is well known among our clients and is often included in any commercial insurance packages.

A workers compensation policy with us includes loss control and employee safety training services at no extra cost to policyholders. Normally, these services would cost a great deal, but our agents are specifically trained and highly experienced in business insurance writing and can offer these services as parts of product purchases.

Home and Auto Insurance

Among our many personal insurance options are homeowners and auto insurance, both of which are essential for almost anyone in Colorado and throughout the United States. For our clients, purchasing home and auto insurance is a benefit in that it allows the clients to keep all of their insurance in one place. Combining your home and auto insurance allows for money and time savings as well as extended coverage options.

Community Involvement

Beyond insurance products and services are things that we can do to contribute to the communities we serve. These things include working closely with organizations that make the areas we serve better places to live and work and participating in events that celebrate the communities in which our clients live.

We’re a part of the Professional Independent Insurance Agents of Colorado (PIIAC), which advocates for and helps independent insurance agents. We’re also members of the Aurora Chamber of Commerce and the Metro North Chamber of Commerce, both of which improve business communities in Central Colorado. We’re A+-rated, accredited members of the Better Business Bureau (BBB) also, which is a reflection of our commitment to professionalism and quality.

Local fairs, festivals, and events of different kinds are things we attend and support. From a local gala to a regional gathering, we go to every event or activity we can.

Our Agency and getting in Touch

We’re local and our agents know the areas we serve well. Combined, our agents have 60 years of experience writing insurance solutions and as a result our agents have specialized abilities to give clients the most for their investments. We provide risk and claims management and ongoing education. This means that we advocate for clients, help clients reduce costs, and keep clients informed of any necessary changes to their policies.

We regularly monitor policies and stay in touch with clients so that coverages are always current, rates are optimal, and policies are effective. This ensures that the value of a purchased policy is never diminished. Another thing that ensures this is our full availability. Each client has a dedicated agent who is available to the client whenever needed. Even if an agent doesn’t pick up the phone or respond to an email immediately, a client knows that the agent will get back to him or her promptly.

To learn more please contact us or give us a call. You can request a quote also if you’re ready to start on a policy.

Frequently Asked Questions

General liability:

What does a general liability policy cover and what doesn’t it cover?

General Liability is limited coverage that protects your business from a number of risks, such as slip/trip and fall or other bodily injury, property damage your business is responsible for, construction defect (in Colorado) and advertising/libel/slander. There are a number of “add on” coverages available for most policies.
General Liability does not cover contractual liability, breach of contract, sexual harassment/wrongful termination or other employee liability risks or your professional expertise as examples. Please ask us for coverage options that would minimize these risks along with your General Liability policy.

How much does general liability insurance cost?

General Liability premiums are based on a number of factors within your business. Most premiums are based on your occupation class (roofer, restaurant, etc.) and your gross sales. A number of contractor occupations are covered with payroll and subcontracting costs as the premium basis. Some brick and mortar retail location or restaurant premiums are based on the square footage your business operates. It’s important to estimate these premium drivers as accurately as possible because most insurance carriers will audit the policy at the end of the term to see if they were overstated or understated. Please talk to an APCO representative about these factors and how we can save you money.

Is general liability insurance required by law?

Not usually, unless required as part of a license or permit (building department licensing, county building permits or USDOT trucking licenses as examples). Most businesses purchase the coverage because it’s required for business loans or leasing office space. It’s also just good business practice to cover your business for common liability issues because these can put you out of business.

Why do I need general liability insurance?

You need General Liability business to protect your business and you personally from legal liability on common risks. Each occupation is different and provides different risks. A Roofing contractor has inherently more risk than an account office on the property damage and bodily injury side, but an accountant’s office has more risk of causing financial loss than a roofer does. It’s important to work with APCO Insurance to identify and cover the risks lurking for your type of business.

Workers comp:

How much does it cost to get worker’s compensation insurance?

Cost for Workers Comp is based on your employee’s occupations and your payroll. Additional factors like loss history and length in business also affect premiums.

Do I need worker’s compensation for my small business?

If you hire and pay employees, you need Workers Compensation. This is required by the state. If you are a business-owner only organization, you don’t need Workers Compensation unless required by a contract.

How does the worker’s compensation insurance work?

Workers Compensation generally has two components, coverage for your employees’ medical expenses for an injury that occurs at work and coverage for the employee’s income lost from missing work. Workers Compensation helps a business owner pay for employees that are out with injury and allows the business owner to temporarily fill their position without extra expense.

Who has the lowest premiums for Workman’s Comp?

It’s important to work with an independent agent or broker to identify the best value. APCO Insurance is appointed with more than a dozen Workers Compensation providers and will shop the market for your best available option.

Meet Our Team

John R Thomas

Agency Principal, Commercial Insurance Specialist

Bob Jamieson

Producer, Commercial Accounts

Alyssa Husted

Commercial Account Manager

Eric Klein

Account Manager / Producer