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Trusted Insurance Agency
In Denver, Colorado

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insurance agent discussing life insurance with a coupleTrusted Insurance
Agency In
Denver, Colorado
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construction contractors working at a siteContractors InsuranceGet coverage against the high
risks of the contractors industry!
Protect your business and all you've put into it
with our tailored contractors insurance solutions!
Learn MoreContact Us
commercial truck on an open highway roadTrucking InsuranceContractorsWhether you own a small box truck or a fleet
of semi-trucks, ensure you and your goods get
from point A to point B, no matter what, with our
transportation insurance solutions
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screens focusing on cyber insuranceCyber InsuranceDonโ€™t let a data breach or ransomware attack
halt your operations! Secure your business against
cyberattacks and data breaches
with our cyber liability insurance solutions!
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About Riverbend Insurance

Riverbend Insurance is a locally owned and operated, full-service insurance company located in Denver, Colorado, with licensing in other states. As an independent insurance agency, we are able to review your insurance policies annually and evaluate better options from a wide range of top-rated insurance companies. Whether you are a mom-and-pop operation, the largest company in town, or anywhere in between, we help you find the best policy for you, guaranteed.

If you are looking for personal lines of protection, we are ready to help customize a plan specifically designed to meet your most-demanding specifications. We understand that in this day and age, it is rare to find an agency where you are able to talk one-on-one with a specialist.

We Specialize In

Riverbend Insurance provides insurance solutions for a wide range of business types and commercial property categories. Our specialization allows us to understand the unique risks, coverage requirements, and regulatory considerations associated with different industries, helping businesses secure insurance coverage that properly aligns with their operations.

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Apartments

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Restaurant Insurance

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Small Business

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Transportation

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Contractors

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Commercial Real Estate

What Our Clients Are Saying

Why Riverbend Insurance?

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Independent Insurance Agency

Riverbend Insurance logo featuring a stylized river design with text 'Riverbend Insurance' in blue and green colors, representing the companyโ€™s focus on reliable and eco-friendly insurance services. Riverbend insurance

Human-first Service Model

Riverbend Insurance logo featuring a stylized river design with text 'Riverbend Insurance' in blue and green colors, representing the companyโ€™s focus on reliable and eco-friendly insurance services. Riverbend insurance

Local Specialized Expertise

FAQs

What insurances are mandatory in Colorado?

The only mandatory personal insurance in Colorado is auto insurance. All drivers in Colorado, including Denver, must carry minimum auto liability limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage, often summarized as 25/50/15. For businesses in Colorado, any business with one or more employees is required to carry Workers’ Compensation Insurance to cover medical expenses and lost wages for employees injured on the job.

Why is insurance in Colorado more expensive?

Insurance in Colorado is often more expensive than the national average due to a combination of environmental, legal, and economic factors. The state experiences a higher frequency of weather-related losses such as hailstorms, wildfires, and severe wind, which increases claim volume and repair costs. Colorado also has rising construction and labor costs, which directly impact the cost of rebuilding properties and settling claims.

For businesses, these factors make adequate insurance coverage especially important. Higher risk environments increase the financial impact of uninsured or underinsured losses, making properly structured insurance coverage a critical part of protecting business assets, income, and long-term operations.

How often should I review my insurance policy in Colorado?

The most common recommendation is to review your insurance policies at least once a year, ideally right before your policy renewal date. However, due to Colorado’s high risks like hail and wildfire and rising construction/repair costs, it is essential to contact your agent immediately after any major life or property change to ensure you are not dangerously underinsured.

What insurance carriers do you represent?

We are an independent agency which means we can select from a wide range of top-rated insurance companies. We do not like to publicly mention all the carriers. You can contact us to get the list of carriers to choose from.

Do you only provide insurance in Colorado?

No. We are licensed to provide insurance services in other states as well. While we are based in Denver, Colorado, we can service clients and write policies in other states as well, which is particularly beneficial for their commercial clients, such as transportation and contractors.

Do you also assist with the insurance claims process?

Yes. We assist you with the insurance claims process. While the actual payment and final decisions on a claim are handled by the specific insurance carrier that underwrites your policy, we act as your advocate and resource during the claims process.