Commercial Insurance Support and Services

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Did you know workers’ compensation is required in every state except Texas?

If you have employees, it’s not optional—and it’s one of the few lines of insurance where you can actually influence your costs.

That’s why it’s our favorite.

With the right strategy, a proactive safety culture, and a broker who knows what they’re doing (hi there), you can control key pricing factors and reduce your total cost of risk.

We help clients:

Understand and manage their Experience Modification Factor (EMOD)—a small swing can mean big dollars. 

Navigate the Colorado Cost Containment Certification program, which promotes a safer workplace and earns you a nice premium discount. 

Participate in our Cost Containment Concierge Program for hands-on support. 

Secondary Dividends = Real Dollars Back

Got low claims and strong performance? You could qualify for secondary dividend programs that pay you back—literally. We’ll help you get money back into your business where it belongs.

What will you do with your check?

We Also Provide Support With:

• Safety Program Development 
• Return-to-Work Assistance 
• Nurse Triage & Claims Strategy 
• Human Resources Tools 
• Our Safety Platform (Ask us!) 

Ready to Take Action?

Whether you want to benchmark your current program, explore competing quotes, or get a complimentary review for missed savings or dividend opportunities—we’re here for YOU.

We bring:

• Vast carrier access 
• Proven cost-reduction strategies 
• Real-world examples 
• Data and analytics to back it all up 

Schedule a no-pressure consultation or fill out our quick intake form—we’ll take it from there.

Are you a commercial real estate investor looking for the best protection on your properties?

Or a CRE broker who wants to ensure your clients are in the capable hands of an insurance professional who actually understands commercial real estate?

Before founding Ascent, our owner worked in commercial real estate capital—so yes, we get it. (And no, please don’t do the math on how long ago 2011 was.)

At Ascent Insurance Solutions, we have access to markets for most types of commercial property—including many that are considered “hard to place.”

We’re big on:

• Clear, transparent communication
   
• Straightforward guidance on coverages, limits, replacement costs, and deductibles
   
• Competitive pricing without compromising protection
   

We support property owners with:

• Retail buildings 
• Apartment complexes
• Warehouses
• Mixed-use developments
• Restaurants
• And just about any other type of commercial real estate
   

If you're a business owner expanding into your own space—or leasing out part of it to new tenants—we’re also happy to help with tenant insurance needs to keep everyone covered and confident.

Does your organization have adequate protection for all of its exposures?

When was the last time your coverage limits and exclusions were actually reviewed?

At Ascent, we have access to a wide range of customizable business insurance packages—built to fit the needs of businesses of all sizes, not just a one-size-fits-all template.

Let’s talk about often-overlooked coverages like:

• Employment Practices Liability (EPLI) 
• Cyber Liability 
• Professional Liability 
• Employee Benefits Liability 
• And other key protections that are frequently missing or underwritten
   

We frequently see basic business policies that were:

• Purchased online without guidance 
• Written by personal lines agents with limited commercial experience 
• Set up through call centers with no long-term support
   

Even when clients like their current carrier, they often need a dedicated commercial agent to fill gaps, improve protection, or just be available when it counts.

In those cases, we can take over management of the existing policy with ease—working with many major carriers you likely already know and trust.

But let’s not get ahead of ourselves—first, we’ll set up a quick “getting to know you” meeting.

If you already have coverage in place, we’ll start with a policy review to evaluate coverage adequacy and identify any areas for improvement.

Does your organization own a fleet of commercial vehicles—even a small one?

Do your owners, officers, or employees use personal vehicles for business purposes?

Do you rent vehicles while traveling for work?

If you answered yes to any of the above, it’s time to take a closer look at your commercial auto coverage.

From passenger cars to heavy trucks—and everything in between—Ascent Insurance Solutions has access to a wide range of carriers that specialize in transportation and fleet risks. Whether you need a standalone commercial auto policy or want it bundled as part of a full package, we’ve got you covered.

And here’s where we’re different:

We offer in-house safety support through our dedicated division, Ascent Safety Solutions.

Our department head? A 30+ year veteran of over-the-road (OTR) driving, with 3.8 million accident-free miles under his CDL—and a passion for fleet safety that rivals our obsession with insurance.

Are you a contractor who's struggled to get certificates of insurance (COIs) fast enough to get on a jobsite—or even get paid?

Did you buy insurance online and now wonder if you’re actually covered for what you do, especially if a client isn’t happy with your work?

If you're a small business owner who likes to shop online or handle things yourself, we respect that—and we even have those options.

But when it comes to liability coverage, well... the devil’s in the details.

We can help you build a policy that fits what you really do, covering:

• General Liability 
• Contractors Professional Liability 
• Tools & Equipment 
• Pollution Liability 
• Commercial Auto Exposures
   

And don’t forget: if you have employees, you’ll need workers’ compensation too—we can take care of that as part of the package.

Did you know that supporting public entities like schools, municipalities, and fire districts is our founder’s original specialty?

Before launching Ascent, she spent almost a decade as a senior underwriter in Colorado’s governmental risk pools (CSDSIP and CIRSA), working directly with public sector organizations to manage complex and high-stakes risks.

After a stint in the private sector with a high-volume brokerage that prioritized “the close” over client care, she knew there had to be a better way. 

In 2021, Ascent Insurance Solutions was born—merging the heart of risk pooling with the flexibility and savings of the open market.

Since then, we’ve steadily grown by helping public entities and mission-driven organizations protect what matters most.

Want to explore how we support schools, municipalities, and other specialty risks?