Commercial Insurance Solutions Built Around Your Business
Every business faces different risks, contracts, assets, and operational challenges. At Legacy Risk Advisors, LLC, we provide customized commercial insurance solutions designed around the way your business actually operates. From contractors and construction companies to manufacturers, service businesses, property owners, and nonprofits, we help clients identify exposures and build insurance programs that provide the right protection for their business, employees, property, and customers.
By looking at your insurance program as a whole, we can help identify coverage gaps, reduce unnecessary duplication, and build protection that aligns with your business operations and long-term goals.
Our goal is more than simply finding an insurance policy. We help you develop a comprehensive risk management strategy that supports business growth, protects valuable assets, and provides confidence when unexpected claims or losses occur.
Insurance Coverage Designed for Your Industry
The right commercial insurance program depends on what your business does, where you operate, the contracts you maintain, and the risks you face every day. Legacy Risk Advisors takes the time to understand those factors before recommending coverage.
We help businesses evaluate their exposures and coordinate essential policies such as general liability, commercial auto, workers’ compensation, commercial property, equipment coverage, umbrella liability, and specialty insurance.
industries we serve
Contractors & Construction
Construction businesses face a wide range of exposures, from job-site accidents and subcontractor relationships to commercial vehicles, tools, equipment, and contract requirements.We help contractors and construction companies structure commercial insurance programs that may include general liability, commercial auto, workers’ compensation, equipment coverage, inland marine, and umbrella or excess liability.
We also consider the specific nature of your projects, contractual obligations, and day-to-day operations when evaluating your coverage needs.
Service & Trade Businesses
Electricians, plumbers, HVAC contractors, landscapers, mechanics, and other service professionals face risks that can change from one job to the next.Your employees may work at customer locations, your vehicles may carry tools and equipment throughout Northern Colorado, and your business may be responsible for property or work performed at a client’s location.
We help service and trade businesses evaluate those exposures and develop commercial insurance programs that support the way they actually operate.
Manufacturing & Distribution
Manufacturers and distributors often face complex property, product liability, equipment, transportation, and supply-chain exposures.A properly structured commercial insurance program can help address risks associated with your facilities, machinery, inventory, products, employees, vehicles, and distribution activities.
Legacy Risk Advisors works with manufacturers and distributors to evaluate those exposures and coordinate coverage around their production and distribution operations.
Property Owners & Investors
Commercial property owners and real estate investors have insurance needs that extend beyond protecting a building.Coverage may need to account for the property itself, tenant-related exposures, liability, equipment, loss of income, and the unique characteristics of each property or portfolio.
Whether you own a single commercial property or multiple properties, we help evaluate your exposures and structure coverage that supports your investment strategy.
Retail & Wholesale Businesses
Retailers and wholesalers face a combination of customer-facing liability, property, inventory, employee, vehicle, and operational risks.We help business owners evaluate those exposures and develop commercial insurance programs designed to protect the assets and operations that keep their businesses moving.
Nonprofit Organizations
Nonprofits need coverage that protects their mission, staff, volunteers, and community. We help organizations secure the right mix of liability, property, and specialty coverages.Nonprofit organizations have unique responsibilities to their employees, volunteers, board members, donors, clients, and communities.
Insurance needs can vary significantly depending on the organization’s mission, activities, property, and operations. We help nonprofits evaluate those exposures and identify appropriate liability, property, and specialty insurance solutions.
Coverage That Works on the Job
A Thoughtful Approach to Commercial Insurance
Protecting a business requires more than purchasing individual insurance policies. Your coverage should work together to address the risks that could affect your property, employees, vehicles, equipment, income, and reputation.
Legacy Risk Advisors provides a detailed review of your business exposures and helps structure an insurance program around your specific needs. We provide guidance throughout the insurance lifecycle—from policy selection and risk evaluation to claims support and renewals.
Our approach can help you:
coverage we provide
Commercial Insurance Coverage
Commercial insurance provides the foundation for protecting your business against the risks that come with day-to-day operations.Coverage may include general liability, commercial auto, property, workers’ compensation, equipment, umbrella liability, and other specialized policies.
We look at your business as a whole to help coordinate these coverages, identify potential gaps, and build an insurance program that supports your operations and long-term goals.
General Liability Insurance
Protects your business from common third-party claims involving bodily injury, property damage, personal injury, and advertising injury.General liability insurance helps protect your business against common third-party claims involving bodily injury, property damage, personal and advertising injury, and related legal expenses.
We help you evaluate your exposures and determine appropriate coverage and limits for your business.
Business Auto Insurance
Coverage for vehicles used in your operations, including fleets, service trucks, and contractor vehicles.If your business owns, leases, or uses vehicles as part of its operations, commercial auto insurance can be an important component of your overall risk management strategy.
We help businesses evaluate coverage for company vehicles, service trucks, fleets, contractor vehicles, and other vehicles used for business purposes.
Workers' Compensation Insurance
Workers' compensation coverage helps address workplace injuries while supporting an employer's responsibilities to its employees.For businesses with employees in Colorado or multiple states, workers’ compensation can involve important considerations regarding payroll, classifications, operations, and state requirements.
We help businesses evaluate their workers’ compensation programs and coordinate this coverage with their broader commercial insurance strategy.
Key Person Life Insurance
Coverage that protects your business if a key leader or owner becomes unable to work.Certain individuals can play a critical role in the success and continuity of a business. The unexpected loss or absence of a key owner, executive, or employee can create significant financial challenges.
Key person life insurance can be one component of a broader business continuity strategy designed to help protect the organization when an essential individual is no longer able to contribute to the business.
Disability Insurance for Business Owners
Income protection and business continuity planning for owners and executives.Business owners often have significant financial responsibilities tied directly to their ability to work.
Disability insurance can help provide income protection when an illness or injury prevents an owner or executive from working. We help business owners consider how personal protection fits into their overall financial and business continuity planning.
Inland Marine — Equipment & Tools
Coverage for mobile equipment, contractor tools, and property in transit.Many businesses regularly transport tools, equipment, and other property away from their primary location.
Inland marine insurance can help address exposures involving mobile equipment, contractor tools, property in transit, and other business property that may not fit neatly within a traditional commercial property policy.
Umbrella & Excess Liability
Additional layers of protection designed to safeguard your business from high‑severity claims.Some claims can exceed the limits of an underlying liability policy. Umbrella and excess liability coverage can provide additional layers of protection when significant claims create greater financial exposure.
We help determine whether additional liability protection makes sense for your business based on your operations, contracts, assets, and overall risk profile.
Commercial Property & Equipment Coverage
Protection for buildings, tools, equipment, and business‑critical assets.Your buildings, equipment, tools, inventory, and other physical assets can represent a significant investment in your business.
Commercial property and equipment coverage can help protect those assets against covered losses. We evaluate your property exposures and help structure coverage around the value and use of your business assets.
Cyber Liability Insurance
Technology creates new risks for businesses of every size. Data breaches, cyberattacks, ransomware, and other digital incidents can create significant financial, legal, and operational consequences.Protection for Today's Digital Risks
Cyber liability insurance can help address certain expenses and liabilities associated with covered cyber incidents, including data breach response, cyber extortion, business interruption, and liability to others.
Businesses can face cyber exposures through the information they collect, technology they use, vendors they rely on, and systems they operate. We help businesses evaluate these exposures and determine whether cyber coverage is appropriate for their operations.
Aviation Insurance
Protecting an aircraft involves more than covering the value of the plane. Aviation insurance can address the unique risks associated with aircraft ownership and operation, including aircraft damage, passenger injuries, third-party property damage, and liability claims.Specialized Coverage for Aircraft Owners & Operators
Whether you own, lease, or regularly operate an aircraft, aviation insurance can help protect against the significant financial risks associated with aviation accidents and other covered losses. Coverage may include aircraft hull and liability protection, depending on your operation and policy.
We help aircraft owners and operators evaluate their exposures and develop aviation insurance solutions designed around how the aircraft is used.
