Business Insurance

Avoid pitfalls that could cut into your bottom line.

Insurance Products

Business Insurance

Success in your business is determined by your the right decisions to protect your business. We will help you make the correct decision to avoid pitfalls that could hurt your bottom line. 

Our business insurance policies can provide:

Colorado Homeowners Insurance

Property Coverage

What your business owns, what rights it holds and what your company is entitled to is important. That’s why we offer coverage options to protect:


    1. Buildings, permanently installed equipment and outdoor fixtures
    2. Computer systems, electronic media, including valuables
    3. Outdoor property, including signs and debris removal
    4. Property in transit or temporarily off premises
    5. Accounts receivable
    6. Employee dishonesty, forgery or alterations
    7. Money and securities, on or off premises

Liability Insurance

Mitigate the impact of damages, lawsuits, medical expenses and anything else you’re held responsible for, on or off the premises.


    1. Helps with costs to defend and settle claims against your business, including property damage and bodily injury.
    2. Fire legal liability/damage to premises rented by you
    3. Medical expenses
    4. Hired and non-owned auto
    5. Primary and noncontributory coverage

Workers Compensation

A business is only as good as its employees. Make sure yours know they’re valued with an insurance plan that helps replace lost wages and pays for medical treatment should they suffer a work-related injury.


Pension Plan

When it comes to putting together a pension package that is best for your business, we make it simple. You supply the information – we’ll take care of the rest.

Pension plans can include:


  1. 412(e)(3) Plans
  2. 401(k) Plans
  3. Cross-Tested Profit-Sharing Plans
  4. Cash Balance Plans
  5. Innovative design
  6. Complete Plan Administration

Commercial Auto Insurance

Your vehicles are an extensions of your business. Proper coverage allows you to rest easy knowing your business is well covered, wherever it goes.

You can’t be everywhere at once — that’s where we come in:

    1. Drive Responsibly
          Accidents happen, but we can limit your exposure once they
          do with liability coverage for bodily injury physical damage
          and property damage
    2. Additional Help
           If vehicles are damaged outside of an accident,
           there are options to help keep you covered.
    3. Personal Injury Protection
           We can help with medical payments for those who
           suffer injuries out on the road — from medical
           expenses to lost wages in the event of an accident.


Other Coverage Choices

Loss of income

Following an accident, we can help bridge the gap for extra expenses you incur or potential profits you miss out on.


Protect against costs to fix damaged data and systems after a cyber attack.

Commercial Umbrella

An umbrella insurance policy provides a low-cost means for obtaining coverage that picks up where your other policy limits end.

Employer Stop Loss

A self-insure health insurance plan puts small business owners at risk of significant losses resulting from catastrophic claims. We can help limit exposure.

Let’s work together for your insurance and financial needs. 

What Our Clients Are Saying

I highly recommend American National insurance and Andrew Guttersen as an agent. He worked with me to understand all my options with no pressure and honest recommendations. He has answered all my calls and questions and shows appreciation for my business. I am very satisfied and Highly recommend.

Joseph Anderle

My agent Andrew Gutterson has always been a great help. He’s very knowledgeable and has the ability to simplify insurance concepts in ways the layman can understand. Anytime I’ve used the American National Insurance app to file a claim or change information, he has contacted me within 24 hours to offer his guidance and help with the process. I switched to him from Gieco about a year ago and I’ve had a great experience with customer service, and have been pleased with the better rates they’ve got me at with home and auto. Overall great experience, Andrew has my trust.
Marshall Carr

It’s been a positive experience working with Andrew. He’s is very knowledgeable at what he dose. Highly recommended him for your insurance needs

Ryan Geisler

Get in touch with us

and we will provide the best products that fit your needs.