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What We Do

Small Business Insurance Plans

Our small business insurance services are designed to meet the unique needs of your company. We provide our small business clients with the best coverage and price in any insurance market.


Moody Insurance builds unique risk management plans and programs tailored to your small business. Services include contractual risk transfer reviews, exposure and control analysis, loss trending, crisis and claims management, and more. Our insurance professionals develop strong relationships with small business owners, providing ongoing guidance and consultation, so your investment remains protected.



Claims Review

We are here to provide expert guidance and ensure that your business, employees, and assets are protected. Our claims 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 small business insurance plans.

Contract Review

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

Contractual Risk Transfer Reviews and Audit

Our small business insurance plans include a comprehensive review of your small business’ 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.

Coverage Audits and Comparisons

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

Experience Mod Review

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.

Experience Mod Projection

Using ModMaster, our team can project your Worker’s Compensation Experience Mod for the next policy period. With this data, we can address potential concerns early, like payroll changes or loss trends.

Loss Pick Calculation and Loss Trending

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.

Exposure Analysis and Risk Identification

Our experts run a complete exposure analysis and identify risk 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.



General Liability

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.

Business Automobile

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.

Worker’s Compensation

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 Including Computer Equipment

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 Including Builders’ Risk and Contractors Equipment

Inland Marine insurance ensures that your small 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

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

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 small 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

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

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 Liability

Employment Practices lawsuits are a growing threat to small 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.

Cyber Liability

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

Professional Liability

If your small 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.



We believe that knowledge is power. The more educated you are about your risk and your insurance options, the better equipped you will be to protect yourself, your business, and your assets. Get useful, easy-to-understand insurance and risk management education, tools, and support so you can make informed decisions for your business.

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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 provide our clients access to the best coverage in a challenging insurance marketplace. We strive to provide more than just small business insurance plans, but peace of mind.

Moody Insurance Solutions

Moody Insurance is a proactive Denver insurance agency that offers coverage for those needing small business insurance plans, commercial insurance services, employee benefits management, personal lines of insurance, and surety bond services. Our diverse range of services is specially designed to provide you or your company with fitting coverage in any insurance market. Get in touch with our team and we will create a custom solution for your needs!

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


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Small Business
Small Business
Small Business
Small Business