Most Agents Can Only Offer You One Carrier. We Offer You 25+.
When you call a captive agent, you get one set of rates from one company, regardless of whether it’s the right fit. Premier Group Insurance is independent. We shop across more than 25 carriers to find the coverage that actually makes sense for your business, at a rate driven by real competition.
Find the Coverage Your Business Needs
Each link below goes to a dedicated page that covers what the policy does, who needs it, and what drives the price. Every quote we run is shopped across our full carrier network.
Workers Compensation Insurance
Covers employee injuries on the job, including medical costs and lost wages. Required by law for any business with employees.
General Liability Insurance
Protects against third-party injury and property damage claims. Required by most general contractors before a subcontractor can start work.
Commercial Auto Insurance
Personal auto does not cover business use. If your employees drive company vehicles, you need commercial auto. We also quote fleet coverage.
Business Owners Policy (BOP)
Bundles general liability and property coverage into one policy. Designed for small to mid-size businesses that want complete protection without managing multiple policies
Contractors & Trades Insurance
Full coverage packages for drywall, HVAC, plumbing, roofing, painting, and siding contractors. GL, workers comp, and commercial auto quoted together.
Commercial Truck & Owner-Operator Insurance
For owner-operators, box trucks, and small fleets. We work with carriers that specialize in clean-record operators and niche trucking programs.
Professional Liability / E&O Insurance
Covers claims arising from your professional advice or services. Essential for consultants, agencies, and any business where a client could claim your work caused financial harm.
Med Spa & Aesthetician Insurance
Specialized coverage for med spas, medical directors, and aestheticians. Few agencies target this niche. We know which carriers are strong in it.
Commercial Umbrella Insurance
Adds a liability layer above your GL, auto, and workers comp limits. For businesses that want extra protection against large claims.
Cyber Liability Insurance
Covers data breaches, ransomware, and cyber incidents. A growing requirement in contracts and professional services agreements.
We Work With Businesses Across Industries
Our commercial clients range from sole proprietors to mid-size operations. What they have in common is they want coverage that actually fits, quoted by a broker who shopped the market rather than defaulted to one carrier.
- Contractors and trades: drywall, HVAC, roofing, painting, siding, electrical
- Owner-operators and commercial truck drivers
- Med spas, aestheticians, and wellness professionals
- Retail shops, restaurants, and service businesses
- Consultants, agencies, and professional services firms
- Real estate investors and landlords
- Sole proprietors and growing small businesses
What It Means to Work With an Independent Broker
A captive agent works for one insurance company. When you call them, they have one set of options, whether or not that carrier is the right fit for your industry, your claims history, or the specific coverage you need.
Premier Group Insurance is independent. We have relationships with more than 25 carriers. When you reach out, we take time to understand how your business actually operates, then run that through our network to find the carriers who specialize in your type of work. You get real options at competitive rates, not whatever one carrier’s underwriter decided you owe.
Our team is based in Lakewood, CO, and licensed across multiple states. We know which carriers perform well for contractors, trucking accounts, and professional services, and we place coverage accordingly.
How It Works
Step 1: Tell Us About Your Business
What you do, how many employees you have, what vehicles you use, and what coverage you currently carry. About 5 minutes to get started.
Step 2: We shop 25+ carriers
We identify the carriers that specialize in your industry and pull the best options at each coverage tier. You do not have to make multiple calls.
Step 3: You Choose
We walk you through the options, explain what each policy actually covers, and help you make the right call. No pressure, no defaults.
People You Can Count On
Our Partners
Navigating insurance can be overwhelming, but it doesn’t have to be. Our straightforward process ensures you find the right coverage tailored to your needs.
Frequently Asked Questions
What Types of Insurance Does my Business Need?
It depends on how you operate. Most businesses with employees need workers compensation. Businesses with customer interaction or job site exposure need general liability. If you use vehicles for business, you need commercial auto. A business owners policy bundles property and GL for businesses that want simplicity. We assess your situation and recommend the right combination, not the maximum we can sell.
How Much Does Commercial Insurance Cost?
Premiums depend on your industry, payroll, revenue, vehicles, coverage limits, and claims history. There is no average that applies to all businesses. A real quote costs nothing and takes about 5 minutes to start.
Can I Bundle Multiple Policies Together?
Sometimes, and it often makes sense to. A business owners policy bundles GL and property. Workers comp and commercial auto are typically separate. We look for bundling opportunities that simplify your renewals and make sure your policies do not have gaps between them.
Can I Get Commercial and Personal Coverage Through the Same Broker?
Yes. Many of our clients carry personal auto, home, or umbrella coverage with us alongside their business policies. One agency for everything means one renewal conversation and one call if something happens.
Get a Quote for Your Business
Tell us what you do and what coverage you are looking for. We will shop across our carrier network and come back with real options.