At Discern Insurance LLC, we specialize in protecting what matters most. Whether you’re running a business, stewarding a ranch, or safeguarding your church, we offer tailored coverage for your unique needs.
Who We Serve
Homeowners, Property Owners, Professionals, and Small Business Owners
If you:
- Own a home
- Own a ranch or farm
- Own a business
- Run a nonprofit
- Live in a cabin at the end of a dirt road
- Need coverage for your barn, tack, livestock or trailers
You’re in the right place. Discern Insurance is based out of Colorado, but licensed to transact insurance in various States including Texas, Washington, and Missouri (please contact agency for up-to-date list or inquiry about your State).
Ranch & Farm Insurance
Coverage designed for working ranches, large farms, and hobby farms. Some ranchers are stuck on a regular homeowners policy, or haven’t fully optimized their ranch package. Farm and Ranch insurance is my specialty. Let’s set up an appointment this week or next to discuss your situation and make a plan.
Small Business & Non Profit
Protection for entrepreneurs, tradespeople, and changemakers. General Liability, Professional Liability, Errors & Omissions, Cyber Liability, Directors & Officers, and more policies structured to your business or organization’s needs
🏔️ Colorado Mountain Property & Wildfire Risk Coverage
Wildfires are pushing big insurers out. Independent agents step in where others won’t.
Coverage available for homes in Colorado wildfire-prone counties, including:
- Huerfano, Pueblo, Las Animas, Teller, Fremont, Park, Chaffee, Costilla, Lake, Gunnison, Archuleta, Conejos, Rio Grande, Saguache, Mineral, Dolores, and San Juan
🌾 Farm & Ranch Insurance
Custom coverage for:
- Row crops & produce
- Livestock & dairy farms
- Hobby farms & custom farming
- Equine operations
Protect your land, animals, and livelihood. Ask about wealth and estate transfer options.
Sign up for 24/7 legal defense memberships with access to attorneys, expert witnesses, and a critical response team on your side in the event of a self defense event.
⛪ Church Coverage
Specialized insurance for churches & ministries:
- Property & liability coverage
- Professional/Pastoral Liability: for Ministers
- Event, volunteer, & outreach protection
- Directors & Officers: Protection for decision-makers
- Cyber Liability: Data protection— especially important if your organization accepts donations online)
Schedule an in-person or online video conference to include board members and decision makers
Defense plans (not insurance, but a membership) available for Religious Organizations through CCW Safe
🌄 Colorado Farm & Ranch Directory
We’re building a searchable directory of local farms, ranches, and service providers across Colorado.
We also feature these businesses in regular spotlights to help connect communities and support local operations.
Join the community and add your Farm, Ranch, or other related service.
Did you know life insurance can come with living benefits? That’s money you can access while you’re still alive! And it’s always more affordable than people think. Call me at 719-203-4025 to discuss the details
📬 Quote & Contact Options
Get started online:
Get a Quote
Livestock on the road?
I help ranchers understand their coverage and liability concerns from an insurance standpoint. Schedule a free consultation with me directly.
Colorado Farm & Ranch Directory
We are supporting local producers by creating a free directory to spotlight Colorado Farms, Ranches, and other Ag-related Business. Add your service and join the community
Defense-Minded Protection
While liability coverage is essential- I’m a protector and advocate for responsible gun-ownership and protecting your rights with a legal defense protection plan (covered by a membership not insurance)
Firearm & Self-Defense Membership
Peace of mind for responsible gun owners and concealed carriers. It’s legal protection for the worst-case scenario—if you ever have to defend yourself or your family, this membership makes sure you’re not alone.
