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What We Do

Commercial Insurance Services

Our commercial insurance services are tailored to each client and are specifically designed to improve your ability to receive the best coverage and price in any insurance market.



We care about Coloradans. For more than 50 years, it has been our mission to ensure the safety and coverage of our clients at an affordable price. Located in Denver, Colorado Springs, and Grand Junction, Moody Insurance is an earned authority in risk management in our state. Our primary goal is to protect your business, employees, and leadership from getting hit with unexpected losses, and commercial insurance services offer comprehensive coverage for greater peace of mind.

Commercial Insurance


We are here to provide expert guidance, to ensure that your business, employees, and assets are protected. Our commercial insurance services claim team can walk you through any specialized filings or insurance products needed to meet state and federal requirements. We assist in creating a highly effective claims management strategy — tailored to your business.

Our experienced legal team can assist in reviewing and preparing contracts for our clients. We work with subcontractor agreements, lease agreements, oil and gas industry agreements, homeowners/condo owners associations documents, and more.

Our commercial insurance services include a comprehensive review of your company’s current policy and procedures, including crisis management plans, employee hiring practices, and fleet maintenance programs. We offer job site safety audits with photo documentation, Health and Safety Plan reviews for OSHA compliance (with OSHA 300 log support), and best practices consultation based on your business’ needs.

Moody Insurance runs complete insurance audits and comparisons – ensuring you have the right coverage for your business based on your specific needs.

We utilize ModMaster to review your current risk management strategy, cost allocation, and business needs. With these insights, we can increase the accuracy of spending and management decisions.

Using ModMaster, our team can project your Worker’s Compensation Experience Mod for the next policy period. We can address potential concerns, like payroll changes or loss trends, with this data before they become an issue.

Through our audits, we are able to look at your business’ historical loss data and calculate expected losses. Our team is able to provide estimates on future losses and potential trends, so your business can be prepared.

Our experts run a complete exposure analysis and identify risks for your business. This allows us to gain valuable information about your business’ potential risk, and ensure you have the right coverage based on your needs.

Commercial Insurance


General Liability insurance protects your business from common lawsuits. If your company is sued for injury, property damage, professional errors, or other legal issues, General Liability insurance ensures that your business’ assets are safe.

Hired and Non-owned Commercial Vehicle insurance is vital if your employees ever use personal or rented vehicles for company-related business. It ensures that you will be covered if an accident occurs while an employee is on the road for business tasks.

Workers’ compensation insurance covers wage replacement, medical fees, rehabilitation, or death fees in the event that an employee is injured or dies at the workplace.

Property insurance covers your business property in the event of vandalism, theft, and certain weather events or natural disasters. It protects the structure and its contents, including computer equipment and tech.

Inland Marine insurance ensures that your business is covered if equipment or tools are damaged while in transit. Moving equipment can be a risk for many businesses, and this insurance ensures you won’t be at a loss if something is damaged or goes missing.

Umbrella and Excess Liability insurance is a valuable tool for small businesses. It provides broader, more cost-effective coverage over your primary limits. These products fill potential gaps in your policy, so your business is prepared for the unexpected.

Directors and Officers Liability insurance protects heads of corporations who are personally sued for wrongful company management by employees, customers, vendors, or other parties.

Fidelity Insurance covers losses for businesses affected by employee forgery, theft, fraud, or dishonesty. These threats can be extremely detrimental, so it’s important to make sure your business is prepared.

Liquor Liability insurance is for businesses that serve, distribute, or sell alcohol. This insurance covers any legal fees, medical fees, or settlement costs in the event of property damage or bodily injury caused by alcohol consumption.

Pollution Liability insurance covers businesses from unexpected pollution exposures. In the event of injury or property damage due to hazardous waste emissions, this insurance covers third-party claims.

Employment Practices lawsuits are a growing threat to businesses. Common lawsuits include wrongful termination, sexual harassment, discrimination, and retaliation. Employment Practices Liability insurance protects your businesses from attorney fees, court costs, and settlement fees up to policy limits if an employee (or potential employee) takes legal action.

Cybercrime is all too common, and your business may be at risk of losses. Cyberliability insurance provides protection for the potential financial impact of a data breach on your business – a service not covered by many standard insurance policies.

If your business provides professional services or advises clients, you will likely require Professional Liability insurance. It covers legal fees and settlement costs in an event that your business is sued for negligence.



Understanding your risk equips you to protect yourself, your business, and your assets – it’s invaluable when selecting your coverage needs. Our expert insights provide easy-to-understand insurance and risk management education tools so you can make the right decisions for your business.

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What We Do

Industry Experience

Moody Insurance has expansive industry experience, including construction, oil and gas, real estate owners and developers; manufacturing; processing and distribution; architecture; engineering; charter schools; not-for-profit and professional services. With our expertise and industry knowledge, we can provide the best coverage and price in any insurance market.

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Moody Insurance offers a comprehensive portfolio of services and a deep understanding of the unique exposures and risk areas of the business.

Oil & Gas

We offer a full portfolio of services designed to meet the unique needs and compliance requirements of the oil and gas industry.

Real Estate

Our team assesses your specific needs and budget and matches you with best plan through our network of the top carriers in the nation.


Moody Insurance is a valuable resource for educational institutions. We can help you find the best tools for your organization’s needs.

The Moody Difference

Providing peace of mind.

Family-owned, and founded in 1972, Moody Insurance Agency has become a trusted resource for businesses, employees, and families. Our products, and our industry-leading service provides our clients access to the best coverage in a challenging insurance marketplace. We strive to provide more than insurance, but peace of mind.

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Commercial Insurance

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Guidance. Solutions. Expertise.

Let our experts help you find the best insurance solutions for your needs. Request a consultation today to get started.


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Commercial Insurance
Commercial Insurance
Commercial Insurance
Commercial Insurance