One Team – One Purpose – One Way

It is more than a statement. It is our purpose.

Our purpose is to build solid long-lasting relationships with our clients, employees and the communities we serve.

Products & Solutions

Construction Insurance Colorado



Protecting your business is our business

Our consultative approach to business insurance sets us apart in our industry. We have a vested interest in making sure you have the proper amount of coverage for your business. We work with a variety of carriers to give you access to competitive rates with the most appropriate coverage while reducing your cost or risk.
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Why consider a Captive?

It’s simple: control. As a member of a group captive, you’re no longer susceptible to the ever-increasing and unpredictable costs imposed by conventional insurance providers year after year. As a member of a group captive, your business will benefit from lower costs, improved risk control, enhanced profit potential, and long-term control of its insurance destiny.
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Colorado Homeowners & Auto Insurance



Insuring what’s personal to you

Your personal assets are as unique as you are, and your personal insurance policy should be too. We have a dedicated team who specializes in finding the most appropriate products, at the most affordable price, with the highest level of service.
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Employee Benefits in Colorado



Focused on your needs

We take a fresh approach to the management of employee benefits. The traditional approach focuses exclusively on cost. We have created a new process designed to balance all perspectives of the program: employer, cost and employee.
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APEX: A Risk Management Platform


PFS is here to make your business the best it can be, and we’ll go above and beyond to help you achieve success. We use a risk management platform called APEX. This includes providing a comprehensive risk analysis of your firm—an assessment of your current and emerging exposures to risk, your ability to control them, and the level of risk you can tolerate. By taking this customized approach, we can create a unique risk management plan—one that is aligned with your current and future objectives and evolves with the needs of your business. Learn More >>

Customer Testimonials

“CGRS, Inc. is a longtime, loyal customer of PFS Insurance Group because they are able to meet our need for a diverse and continuously changing business and they adjust risk management solutions as quickly as we request them. PFS is tremendously responsive and takes the time to educate our staff as new claims or insurance requirements arise. At renewal time, they always shop to get us the best coverage and the best price, and they’re always patient when we ask questions.”


“The level of service and professionalism we have received from PFS Insurance Group over the last decade is unparalleled. We purchase all of our Property, Casualty and Employee Benefit Plans through PFS and we will continue to be extremely confident in using them for all of our future insurance needs.

The PFS team truly care about their clients!”

Joe, Acme Distribution and Howard Logistics

“Because of an oversight with our previous insurance agent, we got hit with unexpected bills at the end of the year. Sean Penny worked with our provider and got the information corrected. PFS Insurance has been amazing to work with and they really care about their clients!”

Jordan, Biochar Now