A Better Way to Manage Risk. The Power of Data.

Offering tailored insurance and risk management solutions for your business.

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As an independent agency, we are here to help you find the right coverage.

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Specialized Insurance and Risk Management Services

All businesses face risks, but each business is unique and has different needs. Our consultative data-driven analysis of your business will help determine what threats your business faces and how to best defend against them.

Cannabis Insurance

In a relatively new industry like cannabis, it’s often confusing to know what type of coverage you need. From general liability to product storage, we’ll help you sort out the risks and design a policy that helps your business as it grows.

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How We Can Help

Beyond insurance, a major focus of our agency is consulting and risk management. See how we can help defend your business against the potential threats it faces.

HR Compliance and Consulting
Site Security Inspection and Recommendations
OSHA Compliance
Safety and Ergonomic Consulting
Vendor Insurance Compliance Management
Vendor Contract Review and Development
Supply Chain Risk Analysis and Recommendations
Cultivation Facility Back-Up Systems Planning
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Start Managing Your Total Cost of Risk

If you are only focusing on the premium cost of your risk management program you could be losing 100% to 300% more in financial leakage. See how we can help you protect your biggest asset!

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About Our Agency

Stock Insurance Group

Stock Insurance Group is an independent insurance broker and risk management firm that provides business solutions to clients of Colorado and nationwide. Our focus is on utilizing the power of data to help businesses develop the insight needed to manage their risk and insurance programs effectively.

While we offer many niche business insurance solutions, we focus heavily on cannabis insurance, captive management insurance, and contractor insurance. With our independent advantage, we represent a wide variety of insurance companies to provide our clients with the best coverage for their unique business. Read more about us!

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Exclusively endorsed broker for Colorado by NCRMA.

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Proud member of the National Cannabis Industry Association.

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Why Choose Stock Insurance Group

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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National Reach

We offer protective business solutions to clients of Colorado and throughout the United States.

Area of Focus

We offer business insurance with specialty solutions in cannabis, construction, and captive.

Evaluate the Threats

Our consultative, data-driven analysis of your business will help determine what threats your business faces and how to defend against them.

Advisors Not Salespeople

We are not in the business of just getting you a cheaper quote, we are here to protect your business, and we take this very seriously.

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How can Stock Insurance Group help?

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Policy Review

Compare your coverage with your current needs.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Farm

ATV / Utility Vehicles

Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure

Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage

Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season

Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution

Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella

Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control

Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity

Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops

Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property

Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage

Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm Insurance 101

Make sure you cover the unique risks you face on your cannabis farm.

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  • Discover your risks.
  • Get the right coverage.
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Coverage Area

We provide insurance solutions to businesses in Colorado and across the United States. Contact us to see how we can protect your business today!

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