Contractor Insurance
Colorado's construction market doesn't slow down — and neither do the risks. Whether you're a GC managing subcontractors across multiple Arapahoe and Douglas County jobsites or a specialty trade growing your crew, Siegfried Insurance Group builds commercial programs that match how your business actually operates. No off-the-shelf policies. No gaps you'll only discover at claims time.
Coverage Options
Your first line of defense
General liability is the foundation of every contractor's insurance program. It protects your business when a third party — a property owner, a homeowner, a client — claims your work caused bodily injury or property damage. In Douglas County's active construction market, where projects range from custom home builds to commercial tenant improvements, a single uninsured claim can end a business.
What’s covered
Most GCs and subcontractors in Colorado are required by contract to carry minimum limits of $1M/$2M. Higher-value projects often require higher limits — Jami reviews the contracts you're signing so your limits match what you're actually committing to.
Required by law — and the right thing to do
Colorado requires workers' compensation for virtually every employer with one or more employees. For contractors, it's not just a legal obligation — it's the coverage that steps in when a crew member gets hurt on the job, paying for medical care, rehabilitation, and lost wages while shielding your business from employee lawsuits over work-related injuries.
What’s covered
Misclassifying employees as independent contractors to avoid workers' comp is one of the most audited compliance issues in Colorado contracting. Jami can walk you through your classification exposure before it becomes a penalty.
Your trucks are working assets — protect them that way
Personal auto policies exclude vehicles used for business — and that gap matters the moment a work truck is involved in an accident on the way to a Parker jobsite. Commercial auto covers your fleet for both liability and physical damage, and can extend to hired and non-owned vehicles so you're protected when employees use their own trucks for your business.
What’s covered
Contractors often underinsure their fleet because the focus is on jobsite coverage. A review of your full vehicle schedule — including trailers and equipment haulers — is part of every program Jami builds.
Protect the project while it's still being built
Builders risk covers the physical structure under construction against loss before it's complete — fire, theft, vandalism, severe weather, and more. Coverage is project-specific and typically purchased by the general contractor, though owners and subcontractors can also have an insurable interest. With insurer capacity expanding in 2026–2027, it's a favorable time to review your program limits and deductibles.
What’s covered
Builders risk policies expire at project completion or a defined end date — whichever comes first. If your project runs long, a midterm extension is critical. Jami tracks project schedules to prevent coverage gaps at the worst possible moment.
Parker & Douglas County
Parker and Castle Rock are two of the fastest-growing communities on the Front Range. That growth means contractors are working alongside other trades on tight timelines, managing multiple subcontractor relationships, and signing contracts with requirements that keep getting more demanding — including higher liability limits and additional insured language that can expose gaps in standard policies.
Jami has spent years working with contractors in Douglas County and knows the local market — the GCs, the specialty trades, and the contractors who wear both hats on different jobs. Every program starts with understanding how your business actually works.
When a subcontractor you hired causes damage, your GL policy is often the first one named in the claim. Your program needs to address how you qualify subs and what limits you require from them.
Every GC you work for will demand a certificate of insurance with specific additional insured language. Jami manages your certificate requests so compliance doesn't become a full-time administrative job.
As your revenue grows, so do your contractual requirements and your exposure. An annual coverage review keeps your limits from falling behind what your contracts actually require.
Talk to Jami
Contractor insurance isn't one-size-fits-all. Bring Jami your current policy, your contracts, or just a description of how you work — and she'll identify the gaps and build a program that actually fits.
Talk to Jami About Your Business