Multiple perspectives. Custom solutions. Clear results...Gallagher.

Formerly Insurance Associates

At Arthur J. Gallagher & Co., formerly Insurance Associates, we’re a global provider with a hometown feel.

We offer extensive insurance coverage for all businesses. Additionally, our office can write business insurance for those risks that require industry-specific coverage. Our friendly and professional staff of specialists will assist you in establishing insurance protection designed to protect your business. We also offer special coverage programs for dude ranches, emergency services organizations, farms, campgrounds and RV parks, resorts, nonprofit schools, youth camps, outfitters, bed and breakfasts, water/sanitation operations and municipalities.

Most important, we pride ourselves on excellent customer service and innovation. We see solutions where others see problems.

There’s no simple answer when dealing with the complex challenges you face every day. Economic issues, operational complexity, workforce impacts – every business requires solutions that help minimize their risk exposure while providing protection against unanticipated situations. Our Commercial Insurance and Risk Management Solutions include:

Your organization is unique. Your benefits, compensation and human resources programs should be, too. Our Consulting and Industry Practice teams will help you craft a tailored solution that balances your unique priorities, goals and financial realities. Together, we’ll design a program encompassing your benefits, compensation, retirement and wellness plans—so they all work together to deliver positive, sustainable impact and measurable results for your employees and organization alike.

Our solutions include:

Dude Ranches

  • We’ve been insuring dude ranches since horses were invented…longer than anyone. Does your ranch offer zip lines, branding, snowmobiles or even provide an airport for guests? As the leader in dude ranch insurance, we have your answers. Call our specialists for an analysis of your operation.

Campground and RV Park Insurance

  • We offer a range of options for campgrounds and RV Parks — everything from facility swimming pools to playgrounds. 


  • When was the last time you saw your agent? Research tells us that five years is common. With today’s technology and your changing operations, we stay close to our clients. Few agencies in the U.S. have earned the designation of being Master Farm Certified, and we are one of those agencies. Our resources include a large number of A+ rated carriers. Talk to us about your coverage concerns.

Water and Sanitation Operations

  • For more than 30 years we have been focusing on water-related operations: districts, private water companies, irrigation and ditch companies. Treated water operations require unique pollution coverage. Public entities need an agency with torte limitation law knowledge. We specialize in all things water.


  • Most town managers and clerks are surprised at how competitive our commercial insurance premiums are compared to their pools. More importantly, the broader coverage and stronger financial position of true insurance companies is reassuring in these tough economic times. It's just good business to obtain a second opinion on your insurance coverage.

Your Emergency Service and Public Entity Specialist

F&W Insurance was established specifically to meet the unique insurance and risk management needs of Colorado’s Emergency Service Organizations and Public Entities. On our journey to become the premier Emergency Service and Public Entity/Water Related insurance provider, we recruited and staffed ourselves with industry specialists and partnered with two of the country’s recognized leaders in these classes: VFIS and Glatfelter Public Practice (GPP).

F&W Insurance is the VFIS Regional Director and serves as their exclusive sales, marketing and distribution provider for the entire state of Colorado. VFIS is the country’s largest provider of insurance, education and consultation services to fire departments, ambulance, rescue squads and 911 centers. In addition, F&W Insurance is the exclusive wholesale broker in the state for Glatfelter Public Practice Water program. GPP is one of the largest programs in the United States for entities that treat, distribute or store water.

When it comes to the protection of your Emergency Service Organization or Public Entity, don’t depend on generalists when you can access “The Specialists”, F&W Insurance!  For more information, visit the F&W Insurance website.

If you have employees, you need workers comp insurance! Get your workers’ comp insurance through the Boulder Chamber Safety Group and be eligible to receive a 4% discount on your premium, plus qualify for an annual dividend.

Program Benefits:

  • 4% discount on premium
  • Competitive workers comp rates
  • Participate in safety seminars, education to improve work place safety
  • Receive a dividend back over 90% of the time. Last year, over $550,000 went back to members.

Learn more about the Boulder Chamber Safety Group.

We have deep, established knowledge across a wide range of industries.   This experience is what allows us to understand your business and craft a solution for you.  We’d be happy to share any number of case studies demonstrating our ability to meet your unique needs.

We are located at 363 East Elkhorn Avenue Suite 201, Estes Park, Colorado. For your convenience, we have provided a link below the map on the right for online directions to our office.

If you’d prefer to call, one of our professionals is available to help you at +1 970.586.4407. We look forward to working with you.