COLORADO HULL & COMPANY INSURANCE AGENT
See How We're Different
Call Us: 1-800-409-9790
Hull & Company, founded in 1962, operates as one of the largest wholesale insurance brokers in the country. Their Greenwood Village office serves as a regional hub for Colorado agents seeking coverage options that mainstream carriers won't touch. But here's what most business owners don't realize: you can't call Hull & Company directly to buy a policy. They work exclusively with licensed retail agents who then bring your account to them for placement.
Understanding Hull & Company's Role in the Colorado Insurance Market
By: Brian J. Cook
Founder & Managing Partner of The Insurance Loft
Commercial Property and General Liability
Hull & Company places commercial property coverage through specialty markets that understand Colorado-specific exposures. This includes buildings in wildfire zones, properties at high elevation subject to severe weather, and structures with unique construction types common in mountain communities.
General liability coverage through wholesale channels often comes with higher limits and broader coverage forms than standard market policies. For businesses with complex operations or prior claims history, surplus lines carriers accessed through Hull & Company may offer the only viable path to adequate protection.
| Coverage Type | Standard Market | Surplus Lines (via Hull & Co) |
|---|---|---|
| Property Limits | Up to $5M typical | $10M+ available |
| GL Occurrence | $1M standard | $2M+ options |
| Wildfire Coverage | Often excluded | Available with conditions |
| Prior Claims | May decline | Case-by-case underwriting |
Professional Liability and Errors & Omissions
Professional service firms need protection against claims of negligence, missed deadlines, or faulty advice. Hull & Company accesses E&O markets for architects, engineers, consultants, and other professionals who face significant liability exposure from their work product.
These policies protect against claims that general liability won't cover. When a design flaw causes building damage or consulting advice leads to financial losses, professional liability responds. Colorado's construction boom has increased demand for these coverages, and wholesale brokers often find better terms than retail markets alone.
Excess and Surplus Lines for High-Risk Industries
Some businesses simply can't find coverage in the admitted market. Bars with high liquor sales ratios, contractors with poor loss histories, and businesses in emerging industries often land in surplus lines territory. Hull & Company maintains an A.M. Best Credit Rating of A- (Excellent), reflecting financial stability in their operations.
Surplus lines carriers aren't bound by state rate regulations, giving them flexibility to price and structure coverage for unusual risks. This flexibility cuts both ways: you might pay more, but you'll actually get coverage when standard markets say no.
Specialized Solutions for Local Industry Segments
Construction and Artisan Contractor Programs
Colorado's construction industry runs year-round despite mountain winters, and contractors face exposures from excavation work in unstable soils to roofing installations at elevation. Hull & Company offers programs specifically designed for artisan contractors, general contractors, and construction managers.
These programs typically bundle general liability, tools and equipment coverage, and builders risk into coordinated packages. For contractors working on residential and commercial projects simultaneously, specialty programs provide consistency across job types. The Insurance Loft regularly works with wholesale markets to place contractor accounts that standard carriers have declined or priced out of reach.
Hospitality, Real Estate, and Cannabis Coverage
Colorado's hospitality sector spans ski lodges, downtown hotels, craft breweries, and cannabis dispensaries. Each category presents distinct underwriting challenges that wholesale brokers navigate daily.
Cannabis coverage remains particularly complex. Federal illegality means traditional insurers stay away, leaving specialty markets as the only option. Hull & Company accesses carriers willing to write product liability, property coverage, and crop insurance for licensed cannabis operations. Real estate investors and property managers also benefit from wholesale market access, particularly for portfolios that include older buildings or mixed-use properties.
Evaluating Reputation: Reviews and Market Standing
OBroker Feedback and Financial Strength Ratings
Hull & Company carries a Nsure.com insurance carrier rating of 4 out of 5 stars, reflecting generally positive feedback from the broker community. Retail agents value consistent communication, competitive quotes, and responsive underwriting support.
Risk Management Partners Insurance Agency in Colorado trusts Hull and Company to provide clients with professional service and competitively priced options. This endorsement from a fellow Colorado agency speaks to Hull & Company's regional reputation and market access.
Financial strength matters because wholesale brokers touch the placement process for coverage that needs to pay claims years down the road. Working with financially stable partners reduces the risk of coverage complications when you actually need to file a claim.
Claims Handling Performance and Reliability
Claims handling through wholesale-placed policies involves multiple parties. Your retail agent remains your first contact, but the claims process flows through the surplus lines carrier that Hull & Company placed your coverage with. This adds a layer of complexity compared to direct carrier relationships.
The best retail agents maintain strong communication with their wholesale partners specifically to smooth claims processes. When evaluating coverage options, ask your agent about their claims experience with Hull & Company placements and the specific carriers being proposed.
How to Secure a Quote Through a Hull & Company Partner
The Difference Between Retail Agents and Wholesale Brokers
You cannot call Hull & Company directly to purchase insurance. Their Greenwood Village office can be reached at (303) 217-4855 or toll-free at (877) 409-4855, but these lines serve retail agents, not end consumers. To access Hull & Company's markets, you need a retail agent who works with wholesale brokers.
Independent agencies like The Insurance Loft maintain relationships with multiple wholesalers including Hull & Company. This gives you access to specialty markets while keeping a single point of contact who understands your complete insurance picture. Captive agents working for single carriers typically cannot access wholesale markets at all.
Documentation Needed for a Colorado Policy Quote
Wholesale submissions require more documentation than standard market applications. Expect to provide:
- Three to five years of loss runs from current and prior carriers
- Detailed operations descriptions including revenue breakdowns
- Employee counts and payroll figures by classification
- Property schedules with construction details and valuations
- Certificates of insurance from subcontractors if applicable
- Safety programs and risk management protocols
The more complete your submission, the faster and more accurate your quotes will be. Incomplete applications lead to delays and often result in higher premiums as underwriters assume the worst about missing information.
Frequently Asked Questions
Can I buy insurance directly from Hull & Company? No. Hull & Company works exclusively with licensed retail agents. You'll need to work with an independent agency that has wholesale broker relationships.
How long does it take to get a quote through a wholesale broker? Expect 5-10 business days for most commercial accounts. Complex risks or incomplete submissions take longer.
Are surplus lines policies less reliable than standard market coverage? Not necessarily. Surplus lines carriers often have strong financial ratings. The key difference is they're not backed by state guaranty funds if they fail.
Why would my agent use Hull & Company instead of a direct carrier? When standard carriers decline coverage or price it too high, wholesale brokers access specialty markets that will write the risk.
Does using a wholesale broker cost more?
Sometimes. Surplus lines policies may carry higher premiums, but they provide coverage when no other option exists.
The Long-Term Value of Specialized Colorado Risk Management
Building a relationship with an agent who understands both standard and wholesale markets pays dividends over time. Your business evolves, and coverage needs shift. Having access to the full spectrum of insurance options means you're never stuck without protection when circumstances change.
Hull & Company provides valuable market access for Colorado's complex business environment, but they're one piece of a larger puzzle. The real value comes from working with an independent agency that can evaluate when wholesale markets make sense and when standard carriers offer better terms. The Insurance Loft maintains these relationships specifically to give clients options that captive agents simply cannot provide.
Start by gathering your current policies and loss history. Reach out to an independent agent for a coverage review. You might find that specialty markets offer better protection at competitive prices, or that your current coverage already meets your needs. Either way, you'll make that decision with complete information rather than limited options.
COVERAGE FOR YOUR LIFE
Personal Insurance Plans That Protect What Matters Most
From your home and car to your family and pets — we cover it all.
GET THE ANSWERS YOU NEED
Common Questions About The Insurance Loft
We believe informed clients make better coverage decisions. Here are the questions we hear most often.
What does it mean to be an independent insurance agency?
An independent insurance agency like The Insurance Loft is not tied to a single insurance company. We are licensed to work with multiple carriers — including Nationwide, Travelers, Progressive, Safeco, Chubb, and others — so we can compare options and find the best policy for your needs. When you work with a captive agent, you only see what that one company offers. When you work with us, you see the full market.
This independence also means we represent you, not the carrier. When a claim arises or your coverage needs to change, your advisor advocates for your interests — not the insurance company's bottom line. That is the core of what makes The Insurance Loft different.
Where is The Insurance Loft located and who do you serve?
The Insurance Loft is headquartered in Greenwood Village, Colorado, in the Denver Tech Center area. We serve individuals and families throughout Colorado — from the Denver Metro and Front Range to Colorado Springs, Boulder, Fort Collins, mountain communities, and beyond. Our office is conveniently located at 5990 Greenwood Plaza Blvd, Ste 270, Greenwood Village, CO 80111.
Whether you are a longtime Colorado resident or just moved to the state, The Insurance Loft can help you find the right personal insurance coverage. Our advisors understand Colorado's specific risks and regulations, and they know which carriers offer the best coverage options for your area. Call us at 800-409-9790 or schedule a call online to get started.
What types of insurance does The Insurance Loft offer?
We offer a full range of personal and commercial insurance products. On the personal side, we cover home, auto, renters, life, motorcycle, umbrella, and pet insurance. For businesses, we provide general liability, commercial property, workers compensation, professional liability, business auto, and specialty coverage for industries like construction, food and beverage, brewery, and cannabis operations.
We also offer surety bonds for businesses that require them. Our goal is to be your single resource for every insurance need — personal or commercial — throughout your life and the life of your business. If you are unsure what coverage you need, schedule a call and an advisor will walk you through your options at no cost.
What carriers does The Insurance Loft work with?
The Insurance Loft partners with more than 19 trusted insurance carriers to give clients access to a wide range of options. Our featured carrier partners include Nationwide, Travelers, Progressive, Safeco Insurance, Chubb, and Hagerty Insurance for collector vehicles. Each carrier brings different strengths, pricing structures, and coverage specialties, which is why having access to multiple companies matters.
Because we work with a diverse group of carriers, we are not pressured to place policies with any single company. Your advisor reviews your situation, identifies which carriers best match your needs, and presents your options clearly. This process consistently delivers better coverage at competitive prices compared to going directly to a single insurance company.
How does The Insurance Loft handle the claims process ?
When you need to file a claim, your dedicated Insurance Loft advisor is your first call. We provide claims support through our Member Services team and guide you through the process with your carrier. You will not be left to figure it out alone. Our advisors help you understand what your policy covers, what documentation is needed, and what to expect from the timeline.
You can also access claims support directly through our Member Services portal at theinsuranceloft.com. Our goal is to make the claims process as clear and stress-free as possible so you can focus on recovery. For urgent claims assistance, contact our Customer Care team at 800-409-9790 during business hours, Monday through Friday, 9 AM to 6 PM.
Why should I review my insurance coverage every year?
Your life changes constantly — and your insurance should change with it. A new home, a new vehicle, a renovation, a new employee, a business expansion, or a change in your income can all affect how much coverage you need. Reviewing your policy annually helps make sure you are not paying for coverage you no longer need, and that you are not underinsured in areas where your exposure has grown.
The Insurance Loft advisors proactively reach out at renewal time to review your current policies and flag anything that needs attention. Major life events like buying a home, starting a business, getting married, or having children are all good reasons to schedule an earlier review. Contact your advisor or call 800-409-9790 to set up a coverage review at any time.
INSURANCE KNOWLEDGE, MADE SIMPLE
Learn From Our Resource Center
Practical answers to real insurance questions — written by the advisors who help clients every day.
CONTACT US
Phone Number: 1-800-409-9790