At Discern Insurance LLC, we specialize in protecting what matters most to Colorado’s mountain and rural communities. Whether you’re running a business, stewarding a ranch, or safeguarding your church, we offer tailored coverage for your unique needs.
Who We Serve
Rural Homeowners, Farm & Ranch Owners, and Backcountry Professionals, and Small Business Owners
If you:
- Own a ranch or farm
- Own a business
- Live in a cabin at the end of a dirt road
- Train horses or teach riding lessons
- Need coverage for your barn, tack, or trailers
You’re in the right place.
Discern Insurance is run by a Colorado agent who lives the rural lifestyle—packing in on horseback, managing livestock, and navigating wildfire risk firsthand.
Protect your cabin, mountain home, or rural property from wildfire, weather, and liability risks.
Get coverage for your home, personal property, and outbuildings.
Coverage in high wildfire risk areas
Replacement cost vs. actual cash value options
Coverage designed for working ranches, hobby farms, and horse properties.
– Horse trainers, cow/calf operations, and boarding facilities
Livestock and equine liability
Barns, fencing, equipment, and livestock coverage options
Smart protection for Colorado’s entrepreneurs and tradespeople.
Custom packages for contractors, retail, and service providers, and specialty risks like hunting guides
General liability and property
Workers’ comp and commercial auto
🏔️ Mountain Property & Wildfire Risk Coverage
Wildfires are pushing big insurers out of Colorado. We step in where others won’t.
Coverage available for homes in 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 (boarding, breeding, training, therapeutic riding)
We understand Colorado’s “fence-out” laws and help you protect your land, animals, and livelihood.
🐎 Livestock Liability & Property Coverage
Tailored protection for:
- Boarding facilities
- Breeding programs
- Training operations
- Riding centers
Includes coverage for:
- Horses & Livestock
- Tack & trailers
- Barns & riding arenas
Ask about 24/7 legal defense memberships with access to attorneys, expert witnesses, and critical response teams.
⛪ Church Coverage
Specialized insurance for churches & ministries:
- Property & liability coverage
- Event, volunteer, & outreach protection
- Legal defense plans for critical incidents
In-person visits available to discuss defense planning and risk management.
🌄 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.
📬 Quote & Contact Options
Online Quote Forms
Get started online:
Visit: discerninsurance.com/quote
Visit: discerninsurance.com/businessquote
In-Person Visits
Available upon request for:
- Churches
- Ranches
- Small businesses
Your message has been sent
Livestock on the road?
I help ranchers understand their coverage and liability concerns from an insurance standpoint in the State of Colorado. 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.
