Coloradocontractor insurance & bonding requirements
Updated April 2026 · Source: Municipal AHJ (Denver BEP, Boulder P&DS, etc.)
Minimum requirements
- General liability
- $1,000,000
- Auto liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Coloradocarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Colorado has no state GC license. Bonds vary by municipality ($5K–$25K). Denver requires a separate contractor license.
Common questions
What insurance does a Colorado general contractor need?
A Colorado general contractor needs at minimum $1,000,000 general liability coverage plus $500,000 auto liability. Workers' compensation insurance is required for crews. Per Municipal AHJ (Denver BEP, Boulder P&DS, etc.).
How much is the surety bond for Colorado contractors?
Colorado does not require a state-level surety bond for general contractors. Colorado has no state GC license. Bonds vary by municipality ($5K–$25K). Denver requires a separate contractor license.
Who is the licensing authority in Colorado?
Municipal AHJ (Denver BEP, Boulder P&DS, etc.) is the authority for Colorado contractor oversight. Public license lookup is available at https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Community-Planning-and-Development.
How does AskBaily verify contractors in Colorado?
Municipal AHJ (Denver BEP, Boulder P&DS, etc.) does not expose machine-readable lookup. AskBaily ops manually verifies Colorado applicants within 72 hours of signup using the public portal.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Colorado can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under Municipal AHJ (Denver BEP, Boulder P&DS, etc.). That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Colorado
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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