Commercial Coverage

Your business is your livelihood. With all of the different pieces involved in a business, what happens if something unforeseen occurs?


Auto accidents, product spoilage, theft, defective merchandise and more can lead to big problems and in some cases, an end for your business. Commercial insurance policies are extremely specialized and customized for specific exposures.


Is your business ready for the unexpected? At Focus Insurance we will thoroughly evaluate your business with you to determine your company’s exposure. From there we will customize a plan to protect your company and those that work for it.
Workers Compensation & Employers Liability
This is an insurance policy that provides coverage for an employer's two key exposures arising out of injuries sustained by employees. Part One of the policy covers the employer's statutory liabilities under workers compensation laws, and Part Two of the policy covers liability arising out of employees' work-related injuries that do not fall under the workers compensation statute. In most states, the standard workers compensation and employers liability policy published by the National Council on Compensation Insurance (NCCI) is the required policy form.

Underwriting Factors

Underwriting factors such as credit, driving record, employment, highest level of education and loss history, among other factors, can all have a tremendous impact on rates. If you have questions, call your Focus Insurance Group agent today.

Contact Focus

Focus Insurance Group
1745 Shea Center Drive, Suite 400
Highlands Ranch, CO 80129