Owning investment property in Colorado comes with unique opportunities — and specific risks. From changing weather conditions to tenant liability and lender requirements, real estate investor insurance needs to be structured correctly to protect both the property and the long-term investment strategy behind it.

While no two portfolios are the same, most Colorado real estate investors share a common set of insurance needs.

Running a restaurant in Colorado means managing more than day-to-day operations. Between weather exposure, liquor laws, workers’ compensation requirements, and lease obligations, restaurant insurance needs to be set up correctly from the start — and reviewed regularly as the business evolves.

While every restaurant is different, most Colorado restaurants share a common set of insurance needs that help protect the business, employees, and customers.

Contractors are often asked to carry coverage for materials, equipment, and work in progress—but the terms used in contracts aren’t always clear. Two of the most common (and commonly confused) coverages are Builder’s Risk and Installation Floater insurance.

Understanding the difference can help you avoid coverage gaps, delays, and out-of-pocket losses.

One of the most common questions we hear at Brass Tacks Insurance is:

“Why did my insurance premiums go up? I didn’t have any losses.”

It’s a fair question. And the honest answer is this:
insurance pricing isn’t based only on you.

In Colorado especially, premiums are being pushed up by things happening around your business — auto accidents, lawsuits, fires, hailstorms, and rising claim costs across the state.

Let’s break it down in simple terms.