Small Business Insurance for Commerce City & the Denver Metro

General liability, business owners policies, and the workers' compensation Colorado requires — built for the small businesses growing alongside Commerce City's newest neighborhoods.

Black check mark inside an outlined circle icon on a white background

17+ Years of Insurance Experience

Black check mark inside a thin black circle on a white background

Independent Insurance Agency

Black checkmark inside a circle icon on a white background

Education First

Black check mark inside a circle on a white background.

No High-Pressure Sales

Built Around Colorado's Requirements — Not Guesswork

Black checkmark inside a black outlined circle on a white background.

Local Knowledge for Colorado Businesses

We understand the challenges and opportunities facing businesses throughout Commerce City and the surrounding Denver metro.

Black check mark inside a circle icon on a white background

Coverage Built Around Your Business

Whether you're a contractor, retailer, or service provider, we'll help you choose coverage that reflects your operations and goals.

Black check mark inside a circle icon on a white background

One Trusted Advisor

From general liability and business owners policies to workers' compensation and commercial auto, you'll have one experienced point of contact.

Black checkmark inside an outlined circle icon on a white background

Responsive, Personalized Service

Need a certificate of insurance, have questions about your policy, or need to make changes? You'll work directly with a local agent who understands your business.

Black checkmark inside a circle icon on a white background

Helping Your Business Grow with Confidence

As your business changes, we'll help review your coverage and make recommendations so your protection keeps pace with your growth.

Business Insurance Coverage, Explained Simply

Family sitting on a couch, smiling and cuddling two young children in a bright living room

Small Business Insurance

General liability, business owners policy, cyber liability, commercial auto, commercial property, and professional liability coverage sized to your operations.

Family unloading children from a van on a sunny roadside, with mountains in the background

Workers' Compensation Insurance

Required coverage for Colorado employers, priced to your actual payroll.

What Business Owners Are Saying

Teresa P.

Shawn C.

Frequently Asked Questions

  • Do I need workers' compensation insurance if I only have one employee in Colorado?

    Yes. Colorado requires workers' compensation coverage for nearly all employers with even one employee, including part-time or family staff.


  • How much does small business insurance cost in Colorado?

    It depends on your industry, payroll, and coverage limits. We review your specific operations before quoting, rather than offering a flat rate.


  • Can you help with a certificate of insurance request?

    Yes. We handle certificate of insurance requests directly for clients, usually the same day.


  • Does my small business need cyber liability insurance?

    Most likely, yes, if you handle customer data, process payments, or keep records online. Cyber liability covers data breach response, ransomware, and related liability costs, and is often required by client contracts regardless of business size.


  • Can I bundle my business and personal insurance?

    Yes. We coordinate both under one relationship, so you're not managing separate agents.


  • Does The Nevarez Agency serve businesses outside Commerce City?

    Yes. We serve small businesses across Commerce City and the Denver metro, including Denver, Thornton, Brighton, Aurora, Westminster, Northglenn, Henderson, and Reunion.

  • Is The Nevarez Agency a local, independent agency?

    Yes. The Nevarez Agency is an independent insurance agency owned and operated by Talea Nevarez, who has lived in and owned a home in the Commerce City area for years and brings 17+ years of insurance experience to every client relationship.


Get Your Business Covered — Without the Guesswork

From workers' comp compliance to general liability, get coverage built around what your business actually does.