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3R Insurance Agency

3R Insurance Agency Right Coverage / Right Value / Right Agent We offer insurance products to Small Businesses ranging from freelance workers, general contractors, landscaping, artisan contractors, habitational, some manufacturing, and most office classifications.


3994 Youngfield Street
Wheat Ridge, Colorado 80033

Office Hours

  • Monday 09:00 AM - 05:00 PM
  • Tuesday 09:00 AM - 05:00 PM
  • Wednesday 09:00 AM - 05:00 PM
  • Thursday 09:00 AM - 05:00 PM
  • Friday 09:00 AM - 04:00 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“Ryan is a Rock star!!! I needed documents for my mortgage refinance and Ryan had everything back within minutes. I would recommend 3R to anyone. Thank you!!!”
“Ryan is amazing. I am a fix and flip lender and he has provided outstanding service to me and our clients. He recently came through for a client whose existing agent was not able to perform. Within a matter of an hour, Ryan has professionally and expediently handled the request. Five star service!”
“I called Ryan with a last-minute request to get an insurance certificate for my new truck.... this while I was standing at the County Clerk and Recorder's office! We had some connectivity challenges in their office so Ryan actually spoke to the agent in charge and got us taken care of. And he did it cheerfully! Thanks again Ryan!”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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