How much does Real Estate Agent insurance cost in Denver, Colorado?

The estimated annual cost for a Real Estate Agent in Denver with one employee is between $748 and $1100. The state base rate is $950.

What insurance is required for a Real Estate Agent in Colorado?

In Colorado, businesses are subject to a 2.9% insurance tax. Real Estate Agents typically need General Liability due to a risk factor of 0.9.

Real Estate Agent Insurance Cost in Denver, Colorado (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$748-$1100

Estimated Annual Premium

Monthly Average Breakdown

$73 / mo

Includes General Liability

Industry Risk Profile

Real estate agents need coverage primarily for client slip-and-falls at open houses and professional errors and omissions.

Risk Factor0.9x

Location Factors

State Base Rate$950
Denver Multiplier1x
State Tax Rate2.9%

Local Compliance FAQ

Is General Liability required in Denver?

While Colorado law may not mandate it for all businesses, Real Estate Agents often need proof of insurance to bid on local commercial projects in Denver.

Why is the rate different here?

Your premium reflects Colorado's specific base rate of $950 and a local city multiplier of 1x.

Compare Real Estate Agent Insurance in Other Colorado Cities

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How much does Real Estate Agent Insurance cost in Denver?