Greenwood Village

About Greenwood Village

Insurance in Greenwood Village, CO

Inszone writes insurance in Greenwood Village, CO from our office at 5990 Greenwood Plaza Blvd, Suite 270. The office is in the Denver Tech Center near Greenwood Plaza Blvd and S Syracuse Way, a few minutes from I-25 and the light rail line that runs through the Tech Center.

This office was The Insurance Loft, an independent agency founded in 2007 that moved to the Denver area in 2011, and it joined Inszone with its address and its 800-409-9790 number unchanged. Policies carried over. Scott Ligouri, Inszone’s VP for Colorado, works from Greenwood Village with John Thomas, Agency Partner, and John Harless, Commercial Sales Team Manager.

Because we are an independent agency, we represent many carriers rather than one, including carriers that specialize in high-value homes and collections and in specialty commercial risks. That matters for larger homes in Greenwood Village and Cherry Hills Village, which may need more than a standard homeowners form offers.

Buy your insurance in Greenwood Village, CO!

Personal & Private Client Insurance in Greenwood Village, CO

For Greenwood Village households we write homeowners, condo, renters and landlord policies, auto, personal umbrella liability, life insurance, flood, and specialty lines including motorcycles, boats and collector cars.

High net worth insurance is written differently from a standard homeowners policy. Private client carriers typically offer extended replacement cost on the home, agreed value for jewelry, art and wine collections, higher liability limits paired with a personal umbrella, and in some cases a cash settlement option if you choose not to rebuild. High value home insurance also tends to include higher limits for other structures, landscaping and water backup, which a standard form often caps. Private client insurance usually brings the home, cars, collections and umbrella onto one account with one renewal date.

Hail is Colorado’s signature property risk. Many Colorado homeowners policies now carry a separate or percentage wind and hail deductible, and many use a roof schedule that pays less as the roof ages or exclude cosmetic damage to the roof. The 2021 Marshall Fire in Superior and Louisville also showed that wildfire can reach suburban neighbourhoods on the plains, so we check each home’s dwelling limit and extended replacement cost against current rebuilding costs. When no admitted carrier will write a home, a residual market for residential property is available.

Drivers comparing car insurance in Greenwood Village should know Colorado requires liability limits of at least $25,000 per person, $50,000 per accident and $15,000 for property damage. Medical payments coverage of $5,000 and uninsured/underinsured motorist coverage are both included by default unless you reject them in writing.

Business Insurance in Greenwood Village, CO

For Tech Center and south metro employers we place general liability, commercial property, business owner’s policies, commercial auto, workers’ compensation, professional liability, cyber, inland marine and surety bonds, for professional firms, contractors, restaurants and specialty businesses.

Cannabis insurance is a Colorado specialty. Because cannabis remains illegal under federal law, many standard carriers do not write licensed cannabis businesses, so dispensaries, cultivators and manufacturers are usually placed with specialty or surplus lines markets. A cannabis program typically brings together general liability, product liability, property for the building and inventory, crop coverage for cultivators, and commercial auto, and it has to meet the insurance terms in the lease and any lender agreement.

Brewery insurance for a craft brewery or taproom has its own mix: property and equipment breakdown for brew systems and cold storage, product liability for what leaves the taproom, liquor liability for on-site sales, and spoilage coverage for product lost when equipment fails. Food and beverage insurance for restaurants, caterers and producers follows a similar pattern, built around property, spoilage, general and liquor liability, and workers’ compensation. Contractor insurance in Colorado is also part of this office’s commercial book, with certificates and additional insured endorsements turned around quickly.

Colorado requires workers’ compensation from the first employee, including part-time workers, and anyone paid for their services is presumed to be an employee. Penalties for going without can run up to $500 a day. Corporate officers and LLC members with at least 10% ownership can reject coverage for themselves.

Inszone Insurance agency near me

Our Greenwood Village insurance office is open Monday to Friday, 8:00am to 5:00pm, with weekends by appointment. Call 800-409-9790, use the quote form on this page, or come by 5990 Greenwood Plaza Blvd, Suite 270.

From the Tech Center we work with households and businesses in Greenwood Village, Cherry Hills Village and across the south Denver metro. Whether you are scheduling a new piece of art on a private client policy, checking how your roof would settle after hail, setting up a cannabis program before a license renewal, or opening a taproom, our insurance agents in Greenwood Village can talk through the options available for your situation.

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FAQs

What is high net worth insurance?

It is personal insurance written by private client carriers for larger homes, valuable collections and higher liability exposure. Policies typically offer extended replacement cost on the home, agreed value for scheduled jewelry, art and collectibles, higher liability limits with an umbrella, and broader terms for water backup and other structures than a standard homeowners form. A specialist can compare how each carrier values and settles a claim.

Why is my wind and hail deductible different from the rest of my policy?

Many Colorado homeowners policies now carry a separate or percentage wind and hail deductible, and many add a roof schedule that pays less as the roof ages or a cosmetic damage exclusion. On a $900,000 dwelling limit, a 2% wind and hail deductible is $18,000 per claim. A specialist can show those numbers in dollars before you choose a policy.

Can a cannabis business in Colorado get insurance?

Yes. Licensed Colorado dispensaries, cultivators and manufacturers are usually placed with specialty or surplus lines carriers, because many standard carriers do not write cannabis while it remains illegal under federal law. Programs typically include general and product liability, property and inventory, crop coverage for cultivators, and commercial auto, matched to the requirements in your lease and lender agreements.

What are the minimum auto insurance requirements in Colorado?

Colorado requires liability limits of at least $25,000 per person, $50,000 per accident, and $15,000 for property damage. Medical payments coverage of $5,000 and uninsured/underinsured motorist coverage are both included by default unless you reject them in writing.

Is this the same office that was The Insurance Loft?

Yes. The Insurance Loft joined Inszone Insurance, and this office continues from 5990 Greenwood Plaza Blvd, Suite 270 with the same phone number, 800-409-9790. Policies carried over.

How do I get a quote from your Greenwood Village insurance office?

Call 800-409-9790 or use the quote form on this page, and come by 5990 Greenwood Plaza Blvd, Suite 270 if you would rather do it in person. For a home or private client account, have your current declarations pages and any appraisals for jewelry or art to hand; for a business, your revenue, payroll by class, licenses and recent loss runs.