Carney Insurance
(719) 284-7294 — Colorado Springs(651) 464-6001 — Forest Lake
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Commercial Lines

Business Insurance

From roofing contractors to real estate investors. We know Colorado and Minnesota business inside and out.

Business Owners Policy (BOP)

The all-in-one policy built for small and mid-sized businesses. Restaurants, retail shops, service businesses, professional offices, and more. A BOP bundles the core coverages most businesses need into a single, cost-effective package.

  • General Liability
  • Business Property
  • Business Interruption
  • Cyber Liability
  • Equipment Breakdown

Contractors Insurance

General liability, tools & equipment, and workers comp for contractors across Colorado and Minnesota.

  • General Liability
  • Tools & Equipment
  • Workers Compensation
  • Commercial Auto

Builder's Risk

Protection for structures under construction. Covering materials, fixtures, and the building itself from the ground up.

  • Structure coverage
  • Materials in transit
  • Equipment breakdown
  • Completed value form

Commercial Auto

Coverage for company vehicles, fleets, and work trucks. We find the right rate from dozens of commercial auto carriers.

  • Liability & collision
  • Hired/non-owned auto
  • Fleet programs
  • Driver safety discounts

General Liability

Protects your business from third-party bodily injury and property damage claims. Essential for any business.

  • Bodily injury coverage
  • Property damage
  • Products & completed ops
  • Personal & advertising injury

Real Estate Investors

Landlord policies, vacant property, and portfolio coverage for investors with single or multiple rental properties.

  • Landlord policies
  • Vacant property
  • Portfolio discounts
  • Loss of rental income

Workers Compensation

Required in most states for businesses with employees. Workers comp covers medical expenses and lost wages when an employee is injured on the job. And protects your business from liability in the process.

  • Medical expense coverage
  • Lost wage replacement
  • Employer liability protection
  • Return-to-work support
  • Multi-state coverage options

Inland Marine

Specialized coverage for tools, equipment, and property that moves from job site to job site.

  • Contractor equipment
  • Fine arts & valuables
  • Installation floater
  • Transit coverage
Our Edge

We Know Your Industry

Carney specializes in commercial insurance across a wide range of industries. From contractors and real estate investors to restaurants, retailers, service businesses, and professional firms. Every industry has its own exposures and pain points, and we take the time to understand yours. That means you're not getting a generic policy. You're getting coverage built around how your business actually operates.