Smart, Strategic Protection for Every Part of Your Business
Strategies built to protect your operations, employees, and earnings—tailored for entrepreneurs who demand more.
York Insurance Agency
At York Insurance Agency, we understand the risks you face as a business owner—liability exposures, property losses, fleet operations, employee claims, and more. Whether you’re in Denver, Lakewood, Houston, Dallas, or anywhere in Colorado or Texas, we partner with you to create commercial insurance programs that are as ambitious and resilient as your business.
Why York for Commercial Insurance?
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Entrepreneurial Insight: We know business: the cash flow, the exposures, the risks. We design coverage with those realities in mind.
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Customized Solutions: Policies crafted to your industry, size, and risk profile — not generic packaged plans.
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Wide Carrier Access: Independent brokerage ensures access to multiple insurance carriers, including those who specialize in niche or high-risk business sectors.
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Local Presence, Regional Understanding: Colorado businesses face hail, wildfires, mountain storms — Texas businesses contend with hurricanes, hail, regulatory differences. We match coverage to geography.
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Claims Advocacy & Review: We don’t just sell policies — we support during claims and perform periodic reviews to adjust your program as your business scales or changes.
The York Commercial Process
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Discovery Meeting
We begin by understanding your business operations, exposures, assets, employees, finances, and contracts.
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Risk Assessment & Strategy
We analyze your risk profile, including property exposures, liability in your industry, and regulatory or contract obligations.
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Design & Market
We assemble a custom insurance portfolio, sourcing quotes from carriers, ensuring both cost effectiveness and robust protection.
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Ongoing Management
Regular reviews, policy renewals, risk mitigation advice, and strong claims support so you remain protected as your business evolves.
Our Commercial Coverage Options
Here are the core policy types we tailor for business owners with complex and growing operations:
General Liability. Protects your business against third-party claims for bodily injury, property damage, and legal defense costs. Essential for businesses with clients, visitors, or contractors visiting your premises or job sites.
Commercial Property: Covers your offices, warehouses, tools, equipment, inventory, and other physical assets. Special policies available for high-value property, high-end finishes, and specialty real estate.
Business Interruption / Income Protection: When disaster strikes—fire, weather event, or other catastrophic loss—this coverage helps keep cash flow steady while your business rebuilds.
Commercial Auto & Fleet Insurance: From single vehicles to full fleets, including specialist vehicles, we structure coverage options that balance premium and protection. Includes Hired & Non-Owned Auto Liability where needed.
Workers’ Compensation: Protect your workforce and comply with state laws in Colorado and Texas. We help secure coverage that supports employee health, recovery, and your business’s financial protection.
Professional Liability / Errors & Omissions: For businesses that provide advice, services, or design, this protects against claims of negligence, malpractice, or failings in professional duties.
Umbrella & Excess Liability: When your underlying policy limits aren’t enough, umbrella coverage adds extra layers of protection against severe claims or catastrophic losses.
Specialty & Risk Management Solutions:
- Cyber Liability & Data Breach Response
- Environmental Liability
- Directors & Officers Liability
- Pollution / Contractors Pollution
- Tools & Equipment Floater
- Equipment Breakdown
Get a Free, No-Obligation Quote Today
Protecting your business starts with one call.
Reach out today and let York Insurance Agency build a commercial insurance program that ensures your business continues thriving—even when the unexpected happens.
“York Insurance helped us identify major gaps in our liability and saved us 20% annually when we combined multiple carriers into one handled portfolio.”
Mid-sized Contractor, Denver, CO