Colorado is known for its magical holiday displays, from sparkling lights in Denver to festive decorations in charming mountain towns like Breckenridge and Aspen. If you’re a professional Christmas installer, you’re at the heart of making this holiday magic happen. But with all the joy you bring, there are also risks—slippery rooftops, electrical work, and handling valuable decorations. That’s where the right insurance can help keep your business safe, your team protected, and your clients happy.

In Colorado, the combination of snowy weather and diverse properties can make holiday installation work more challenging. Snow, ice, and high winds increase the risk of accidents, while the mix of urban and rural clients requires you to navigate different types of risks. Some of the challenges Christmas installers in Colorado face include:

• Rooftop work in extreme weather: Snow and ice can make working at heights even more dangerous.
• Electrical risks: Installing lights and décor could lead to power surges, outages, or fires if something goes wrong.
• High-value homes and properties: Upscale neighborhoods like Cherry Hills Village often require higher liability protection to cover expensive landscaping, custom architecture, and décor.
• Client contracts: Many businesses and homeowners ask for proof of insurance before hiring installers.

If you’re a Christmas installer, having the right insurance can give you peace of mind while you focus on spreading holiday cheer. At Castle Rock Insurance, we’re here to help. Here’s a breakdown of the types of insurance that can protect your business:

• General Liability Insurance: Covers accidental damage or injuries caused during installation. For example, if a decoration falls and breaks a window, this coverage can take care of the repair costs and legal fees.
• Workers’ Compensation Insurance: Protects your employees by covering medical bills and lost wages if someone gets injured on the job. With rooftop and ladder work, this coverage is a must.
• Commercial Auto Insurance: Keeps your business vehicles covered on Colorado’s icy roads, whether you’re driving to job sites or transporting tools and decorations.
• Inland Marine Insurance: Protects your equipment and holiday décor from theft or damage while on the move or at a client’s property.
• Professional Liability Insurance: Also known as errors and omissions insurance, this protects you from claims if a mistake in your work causes property damage or safety issues.
• Property Insurance: Covers your office, storage space, and equipment from risks like fire, theft, or vandalism.
• Umbrella Insurance: Adds extra protection if a claim goes over the limits of your other policies.

Colorado’s unique environment also means there are a few extra things to keep in mind. For example, extreme weather conditions—like heavy snow and ice—make inland marine insurance especially valuable to protect your tools and decorations during transport. Seasonal work is also common for Christmas installers, so policies can often be adjusted to fit your busiest months, helping you save money. For high-value homes, you may need higher liability limits to cover the costs of working on luxury properties. Castle Rock Insurance also ensures your coverage meets all state and local requirements, so you don’t have to worry about compliance.

When it comes to costs, insurance for Christmas installation businesses can vary depending on the size of your team, the services you provide, and where you’re located. Here’s a general idea of what you might pay:

• General Liability Insurance: $450–$1,500 per year
• Workers’ Compensation Insurance: $600–$2,500 per year (depending on your payroll)
• Commercial Auto Insurance: $800–$2,700 per year
• Inland Marine Insurance: $350–$900 per year
• Umbrella Insurance: $500–$1,700 per year

If you’re working in remote ski towns like Telluride, premiums might be higher due to increased risks like heavy snow or travel conditions. Meanwhile, urban installations in Denver may need additional coverage for high-value properties.

At Castle Rock Insurance, we know how much work goes into creating stunning holiday displays, and we’re here to make sure your business stays protected. With access to over 50 commercial insurance carriers, we can help you find affordable options that fit your needs. Let us take the stress out of insurance so you can focus on making Colorado shine this holiday season.

Contact us today to get a free quote and ensure your business is covered!