Tailored Coverage for the Industry You’re In

Every Business Has Its Own Risks

We help you cover the ones that matter most

Whether you’re running a construction crew, managing a retail shop, or operating a salon, your insurance needs aren’t like everyone else’s. That’s why Freedom Insurance offers industry-specific coverage plans built around your risks, equipment, locations, and people. We work with multiple carriers to find the right balance of protection and price for your sector.

Industries We Serve

Focused insurance solutions for Colorado businesses

We currently support clients across a range of industries, including:

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Contractors & Trades

(electricians, HVAC, roofers, etc.)

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Restaurants & Food Service

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Retail Businesses

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Professional Services

(consultants, engineers, designers)

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Pet Services

(groomers, kennels, pet stores)

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Child Care Centers

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Churches & Faith-Based Organizations

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Light Manufacturers & Warehousing

Each of these industries has its own insurance subpage with FAQs, key coverages, and guidance.

Who We Help

From small teams to growing employers

You don’t have to be a large corporation to offer meaningful benefits. We help:

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Small businesses offering benefits for the first time

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Companies adding voluntary or supplemental options

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Teams transitioning off PEO or association coverage

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Seasonal or part-time workforces with unique participation needs

We make the process simple—from carrier comparison to open enrollment to ongoing service.

Independent and Local

Freedom means having options

  • Local Knowledge – Serving Broward, Palm Beach, and the entire state of Florida since 1999.

  • Independent Advantage – We shop multiple carriers to get you the best value.

  • Family-Owned Tradition – A third-generation agency built on trust and service.

  • Comprehensive Coverage – From homes to cars, we protect what matters most.

Employee Benefits in Colorado

What employers need to know

  • Is group health insurance required for small businesses in Colorado?

    Not legally required under state law, but employers with 50+ full-time equivalent employees must offer it under the ACA.

  • Can I offer benefits with fewer than 5 employees?

    Yes, some carriers allow small groups with just 2 enrolled employees. We'll help determine eligibility.

  • What’s the difference between voluntary and employer-paid benefits?

    Voluntary benefits are paid by the employee, while employer-paid options come from the company. We’ll help you blend both.

  • Do I need to offer the same plan to all employees?

    Generally yes, but there are legal ways to structure tiers based on job class or eligibility.

  • How are premiums split between employer and employee?

    You can choose your contribution level. We’ll help you set a structure that works financially and competitively.