There is one fact about an insurance office that matters more than any other, and almost no directory tells you what it is. An independent agency holds appointments with several insurers and can move your policy between them. A captive agent represents exactly one company and cannot. Both are licensed, both are paid a commission by the insurer, and neither model is inherently better. The National Association of Insurance Commissioners puts the distinction plainly: an independent agent may sell policies from many different companies, while a captive agent sells insurance for only one. Knowing which kind of office is answering the phone before you call is the single most useful piece of information on this page, so every listing below states it in the first line.
The second problem is geography, and in Westminster it is unusually severe. The city covers roughly 34 square miles split between Adams County and Jefferson County, and its postal geography interleaves with Broomfield, Northglenn, Arvada, Thornton and Federal Heights. The county line is often described as running along Sheridan Boulevard, and through the middle of the city that is roughly right, but it is not a rule you can apply from an address alone: 11480 Sheridan Boulevard, at the northern end of the city, sits in Adams County despite being on Sheridan itself. Postal codes are no more reliable. One of the strongest independent agencies marketing itself to Westminster searchers is at 11001 W 120th Avenue in a 80021 ZIP, a Westminster postal code, but the address is Broomfield and it is not on this page for that reason.
So we did not screen by ZIP code, and we did not screen by what an agency's landing page claims. Every address below was resolved through the U.S. Census Bureau's public geocoder, which returns the incorporated place and the county a coordinate actually falls in. An address either came back as Westminster city or it was dropped, regardless of what the mailing address said. The candidate pool was built the same way, from primary records rather than search results: the Colorado Secretary of State's business register lists 47 entities in Good Standing whose name contains the word insurance and whose principal address is in Westminster, and State Farm's own agent directory lists 20 offices in the city. After removing the agencies that appear on both lists, 58 distinct offices were screened for this page.
The local risk picture is what gives the independent-versus-captive question its edge here. The Insurance Information Institute ranked Colorado sixth in the country for hail events in 2025, with 244 of them, and Westminster sits inside the Front Range corridor that absorbs most of them. The Colorado Division of Insurance is blunt about what follows: no law prevents an insurer from non-renewing a homeowners policy after repeated losses, hail included, and no law requires a company to match undamaged siding to the sections it does replace. When a carrier decides it no longer wants your roof, an independent agency can take the policy to another appointed insurer. A captive office cannot, and will tell you so. That is not a reason to avoid captive agents, several of whom hold the deepest credentials in this city. It is a reason to know which one you are hiring.
How We Evaluated Westminster Insurance Agencies
The Top 6 Insurance Agencies in Westminster
2026 Rankings · Westminster, Adams and Jefferson Counties
Conexus Insurance Partners
Conexus is an independent agency, and it is the only office on this page that carries a documented lineage back to the 1960s. The Colorado Secretary of State records RSS Insurance Services, Inc. as a corporation in Good Standing formed on 11 August 1967, with its principal address at 11080 Circle Point Rd, Ste 150, Westminster. That is the exact suite Conexus publishes as its own address today. The current entity, Conexus Insurance Partners, Inc., was formed on 1 January 2022 and is also in Good Standing, at Ste 100 in the same building. A third registration in that building, Day Larsen Pedersen Insurance, Inc., formed in 2007, belongs to the third managing partner's earlier agency. The registry, in other words, corroborates the story the agency tells about itself: two established books merged, not a new shopfront with an old date printed on it.
The people are named and their tenure is checkable. Aaron Hoffman spent 19 years as a producer and manager at RSS before buying the agency in 2015, and states he is licensed in 16 states across property, casualty, health, life and surplus lines. Sara Hoffman joined the same agency, then still trading as RSS, in 1997. Alex Pedersen began in the industry with a life licence in 2000. Surplus lines authority is worth noting for a Front Range buyer: it is the licence class that lets an agency place risks the standard admitted market has declined, which is the situation a homeowner tends to find themselves in after two hail claims.
It is also the only office here with a genuine employee-benefits practice alongside personal and commercial lines, which makes it the natural first call for a Westminster business with staff to cover rather than only a building and a van. Conexus does not publish its carrier list, which is the one thing keeping it from being an unambiguous first choice for a personal-lines shopper; the agency below does publish one. Service in Spanish is offered.
Aloha Insurance
Aloha does the thing almost no agency does: it publishes the actual list of insurers it can place business with. Fifteen are named on its own site — Allstate, American Modern, Branch, Bristol West, Foremost, Geico, Hippo, Homesite, Liberty Mutual, National General, Obie, Orion180, Progressive, Steadily and Travelers. That single page is worth more to somebody shopping than any amount of language about choice, because it lets you establish before you dial whether this office can even reach the carrier you have in mind.
Read the list closely and it tells you what the agency is actually good at. Steadily and Obie are landlord and rental-property specialists. Orion180, Branch and Hippo are the newer property carriers that have been actively writing Front Range homes while several long-established insurers tightened up. Bristol West, Foremost and National General are the non-standard auto and specialty-dwelling markets an agency reaches for when a driver has a gap in coverage or a house has an older roof. This is a book built for the buyers the standard market keeps declining, which in a hail corridor is a large share of them.
The registration is clean and matches precisely. The Colorado Secretary of State records Aloha Insurance LLC in Good Standing, formed 10 January 2007, with its principal address at 8753 Yates Dr Ste 200, Westminster — the same suite on the agency's contact page. The office states over 20 years of leadership experience in the industry and describes its service as bilingual; Lorena De La Cruz is listed as bilingual client relations specialist, alongside Damian Dominguez as general manager and Miguel Ayala as insurance broker and office supervisor. Personal and commercial lines both run deep, from classic car, snowmobile and watercraft through to workers' compensation and commercial fleet.
Jack Jewell — State Farm
This is a captive office. Jack Jewell writes State Farm and only State Farm, and if State Farm declines your risk or non-renews it, he cannot take the policy anywhere else. Say that first, because it is the trade-off, and then look at what sits on the other side of it: the deepest set of published credentials of any insurance office in Westminster.
State Farm's own agent directory lists him with three designations — CPCU, CLU and ChFC — and publishes his Colorado producer licence as CO-104082. The CPCU, the Chartered Property Casualty Underwriter, is the senior technical designation in property and casualty insurance and is the rarest of the three; across the whole of State Farm's 20-office Westminster directory only three agents carry it. Because these appear on the carrier's corporate site rather than in the agent's own marketing, they are the carrier attesting to them, which is a materially harder credential to overstate. His page states he has been a State Farm agent since 1993 and affiliated with State Farm since 1980. Dacia Gonzalez is named as office manager with her own licence, number 571494.
The registration corroborates the office: the Colorado Secretary of State records Jack Jewell Insurance Agency, Inc. in Good Standing, formed 1 January 2000, principal address 11480 Sheridan Blvd Ste 400, Westminster, matching the address State Farm publishes. Worth knowing about that address: it geocodes to Adams County, not Jefferson, despite sitting on Sheridan Boulevard, which is the clearest illustration on this page of why the Sheridan county-line shorthand should not be trusted at the city's northern end. If you have already decided you want State Farm, this is the most credentialed way to buy it in Westminster.
3T Insurance, LLC
3T states its position without hedging: it is an independent agency, and it says so on its front page. What sets it apart from the other independents here is the sheer breadth of what it publishes as placeable. The commercial side is specific rather than generic — auto body shops, auto dealers, apartment building owners, churches, contractors, restaurants, self-storage, trucking, non-profits, condominium associations, cyber liability, directors and officers, employment practices liability, errors and omissions, inland marine and workers' compensation. A list that particular usually reflects real underwriting relationships behind it rather than a catch-all page built from a template.
The personal book is equally wide and includes several things most offices will not quote: earthquake, wedding insurance, jewellery floaters, manufactured and mobile home, SR-22 filings, and family legacy planning alongside the ordinary auto, home, condo, renters and umbrella. Medicare supplements and individual health are handled in the same office, which matters if you would rather not split your business across three agents.
The Colorado Secretary of State records 3T Insurance LLC in Good Standing, formed 1 November 2011, principal address 2701 W 84th Ave Ste 106, Westminster — an exact match for the address on its contact page. The agency states it is licensed in Colorado, Arizona, Idaho, New Mexico, Pennsylvania and Texas, which is a practical advantage for a household that keeps a second property or a business vehicle out of state. Like Conexus, it does not name its carriers publicly, and that is the reason it sits below Aloha rather than above it.
Ken Kearney — State Farm
Another captive office, and the same trade-off applies: State Farm only, with no second carrier to move to. What Kearney has instead is the longest unbroken record of anyone selling insurance in this city. His agent page states he has been a State Farm agent since 1980 — 46 years in the same line of work — and his published Colorado producer licence, CO-80895, is the lowest number of the 20 State Farm agents listed in Westminster. Licence numbers are issued sequentially, so that figure is not a marketing claim; it is an artefact of when he was first licensed, and it is the closest thing to an objective tenure measure available in this category.
The corporate record runs alongside it. The Colorado Secretary of State lists Kenneth L. Kearney Insurance Agency Inc. in Good Standing, formed 30 January 1998, with its principal address at 8791 Wolff Court, Ste 220, Westminster — the same suite State Farm publishes, meaning the office has been registered at one address for 28 years. He is a University of Arizona graduate and a chamber of commerce member. Office hours are published as 9 a.m. to 5 p.m. Monday to Friday, with other times by appointment.
He carries no published professional designations, which is why he sits below Jack Jewell despite the longer tenure. For a buyer who values a settled, long-established relationship with one office over technical credentials, that ordering could reasonably be reversed.
Angelo Chavez — State Farm
The third captive office on this list, included for a reason none of the others cover: it is the only insurance office we found in Westminster that publishes its entire site in Spanish as well as English, rather than offering Spanish on request. For a household that would rather read a declarations page in Spanish before signing it, that is a concrete service difference and not a marketing line.
State Farm publishes his Colorado producer licence as CO-249727. The agent states an M.B.A. from the University of Denver and a B.A. in Spanish from the University of Colorado at Boulder, and the office states it serves the 80031 and 80030 ZIP codes and the north Denver metro. The Colorado Secretary of State lists Angelo C Chavez Insurance Agency Inc in Good Standing, formed 16 March 2011, principal address 8601 Turnpike Dr Unit 101, Westminster — matching the suite State Farm publishes, so the office has been at one address for 15 years.
The book is the standard State Farm range: auto, motorcycle, homeowners, renters, personal articles, recreational vehicle, business, life, health including Medicare supplement, and annuities. The captive constraint is the same as for the two offices above. If State Farm will not write your roof, this office cannot shop it, and one of the three independents higher up the page is the call to make instead.
Frequently Asked Questions
What is the difference between an independent insurance agent and a captive agent?
The National Association of Insurance Commissioners draws the line simply: an independent agent may sell policies from many different companies, while a captive agent sells insurance for only one company. A broker is a third category again, representing you rather than an insurer as it searches the market on your behalf. All are licensed producers and all are normally paid a commission by the insurer, so the difference is not usually about cost. It shows up at renewal. If your carrier raises the premium sharply, or decides after a hail claim that it no longer wants your roof, an independent agency can move the policy to another insurer it is appointed with, without you starting the search from scratch. A captive office cannot, because it has only one insurer to offer. Neither model is better in the abstract. Three of the six offices on this page are independent and three are captive, and the captive offices hold the deepest published credentials in the city.
How do I check that a Westminster insurance agent is licensed in Colorado?
Insurance producers in Colorado are licensed by the Division of Insurance, which sits inside the Department of Regulatory Agencies, and not by the Division of Professions and Occupations that licenses trades and health professions. The two use entirely different lookup systems, which is why searching the state's open professional-licence dataset for an insurance agent returns nothing at all. Producer licences are searchable through the NAIC's State Based Systems licensee lookup, which returns the licence number, National Producer Number, status, expiry date and lines of authority; the National Insurance Producer Registry explains how to retrieve a producer's NPN. Both refuse automated requests, so use a browser rather than a script. Ask the office for the licensed entity name and the licence number before you search, because agencies frequently trade under a name that differs from the corporation on the licence. State Farm publishes its agents' Colorado licence numbers directly on each agent page, which is why the three captive listings here carry one.
How do I find out whether an insurance agency has been disciplined?
The Colorado Division of Insurance publishes its enforcement actions against insurance producers and agencies on its own site, under Consumer Protection. The register lists cease and desist orders, stipulated agreements with final agency orders, and final agency orders, and is searchable by name. Actions taken against insurance companies rather than producers are published separately, under financial examinations and market conduct examinations. Our editorial rule is that an office whose principal appears in that register is excluded from this page regardless of any other merit, and no office listed above was found in it. Because the register is published as an embedded dashboard rather than a downloadable file, it cannot be checked in bulk, so search it by the licensed entity name yourself before you sign anything. The NAIC also runs a Consumer Information Source that collects complaint data across states.
What auto insurance is legally required in Colorado, and what is optional?
The Colorado Division of Insurance sets out the minimum liability limits as $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for damage to another person's property. Liability is the part the law requires, and it pays other people rather than you. Uninsured and underinsured motorist coverage, which pays your own bodily injury losses when the at-fault driver has no insurance or not enough of it, is optional in Colorado, but the Division notes it will be included in your policy unless you reject it in writing. It estimates that 15 to 20 per cent of Colorado drivers are uninsured, which is worth weighing before signing that rejection. Collision and comprehensive are also optional unless a lender requires them, though insurers must offer you collision deductibles of $100 or $250 as well as any higher figure you choose. Comprehensive is the coverage that pays for hail damage to a vehicle.
How does Colorado hail affect homeowners insurance in Westminster?
Substantially, and it is the main reason the independent-versus-captive question matters more here than in most of the country. The Insurance Information Institute recorded 244 hail events in Colorado in 2025, the sixth highest of any state. The Colorado Division of Insurance is direct about the consequences for homeowners. No law prevents an insurer from non-renewing a policy after multiple losses, hail included, so a second or third claim can end the relationship. No law requires an insurer to match undamaged siding or paint to the sections it does replace; it is only obliged to repair or replace the actual damage caused by the covered event. On the vehicle side, Colorado's motor vehicle statute specifically exempts a total loss caused by hail from the salvage-title definition, and if a second storm hits before the first repair is done, the comprehensive deductible applies to both losses. The Division also warns about out-of-state contractors arriving after major storms.
Is a Westminster address the same as Broomfield, Arvada or Northglenn?
No, and neither the ZIP code nor the county gives you a reliable answer. Westminster's 34 square miles straddle Adams and Jefferson counties, and its postal geography interleaves with Broomfield, Northglenn, Arvada, Thornton and Federal Heights. One of the strongest independent agencies advertising into Westminster searches sits at a 80021 address, which is a Westminster postal code, but the office itself is in Broomfield. The county-line shorthand is equally unsafe: Sheridan Boulevard divides Adams from Jefferson through the middle of the city, but 11480 Sheridan Boulevard at the north end falls in Adams County. Every address on this page was resolved through the U.S. Census Bureau's geocoder, which returns the incorporated place and county a coordinate actually falls in, and anything that did not come back as Westminster city was dropped. If a local office matters to you, check the street address rather than the ZIP, or simply ask whether the office you would visit is the one answering the phone.
Sources & References
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National Association of Insurance Commissioners (NAIC)
Consumer Insight: How to Choose an Insurance Agent
Backs the independent, captive and broker definitions used throughout this page, and the guidance on verifying a licence and checking complaints.
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Colorado DORA — Division of Insurance
Auto Insurance — required and optional coverages
Backs the 25/50/15 minimum liability limits, the optional-but-included-unless-rejected status of uninsured and underinsured motorist coverage, the 15 to 20 per cent uninsured-driver estimate, and the $100/$250 collision deductible offer requirement.
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Colorado DORA — Division of Insurance
After a Hail Storm — Insurance FAQs
Backs the statements that no law prevents non-renewal after multiple hail losses, that no law requires siding or paint matching, that hail total losses are exempt from the salvage-title definition, and that a second storm's comprehensive deductible applies again.
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Insurance Information Institute
Facts + Statistics: Hail
Backs the figure of 244 hail events in Colorado in 2025, the sixth highest of any state.
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Colorado DORA — Division of Insurance
Agent (Producer) and Agency Disciplinary Actions
The register of cease and desist orders, stipulated agreements and final agency orders against producers and agencies. Published as an embedded dashboard, so it cannot be queried in bulk; search it by licensed entity name in a browser.
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Colorado Information Marketplace / Colorado Secretary of State
Business Entities in Colorado — Secretary of State registration records
The open dataset used to build the candidate pool and to verify every entity name, Good Standing status, formation date and Westminster principal address cited on this page.
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U.S. Census Bureau
Census Geocoder — address to incorporated place and county
Used to confirm every listed address falls inside the Westminster city limits, and to record whether it sits in Adams or Jefferson County.
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National Association of Insurance Commissioners (NAIC)
State Based Systems — Licensee Lookup
The public producer licence lookup Colorado uses, returning licence number, National Producer Number, status, expiry and lines of authority. Refuses automated requests; use a browser.
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National Insurance Producer Registry (NIPR)
Look Up Your NPN — National Producer Number
Backs the statement that a producer's National Producer Number is publicly retrievable, this being the identifier that follows a producer across states.
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State Farm
State Farm Insurance Agents in Westminster, Colorado
The carrier's own directory, which publishes each Westminster agent's Colorado producer licence number and professional designations. Source for the licence numbers, the CPCU, CLU and ChFC designations, and the count of 20 State Farm offices in the city.
Our Recommendation
If you want to know what you are actually being shopped across, start with Aloha Insurance. It is the only office in Westminster we found that publishes its full carrier list, which turns a claim about choice into something you can check before you dial, and the composition of that list — landlord specialists, newer property carriers, non-standard auto markets — makes it the strongest option for the homes and drivers the standard market keeps declining. For a business with employees rather than only a building, Conexus Insurance Partners is the natural first call: it is the one agency here with a genuine benefits practice, its lineage in the state register runs back to 1967, and its lead partner states surplus lines authority, which is the licence class that matters once the admitted market has said no. 3T Insurance publishes the widest set of lines in the city and is licensed in six states, which suits a household with property or vehicles outside Colorado.
The three State Farm offices are captive, and none of them can move your policy to a second insurer. Read that as a constraint rather than a criticism, because they also hold the best-documented credentials on this page. Jack Jewell carries CPCU, CLU and ChFC, published by the carrier rather than by himself, and has been an agent since 1993. Ken Kearney has been a State Farm agent since 1980 and holds the lowest producer licence number of the twenty State Farm agents in the city. Angelo Chavez publishes his entire site in Spanish. If you have already decided you want State Farm, these are three good ways to buy it.
Whichever way you go, ask three questions before you sign. Ask for the licensed entity name and the Colorado producer licence number, and check them yourself in the NAIC licensee lookup and against the Division of Insurance disciplinary register. Ask which carriers the office is actually appointed with, not how many it claims access to. And ask what happens at renewal if the carrier non-renews you after a hail claim. The answer to that last question is the entire difference between the two business models on this page.
Denver Dean's List maintains editorial independence. We do not accept payment for rankings and do not accept advertising from the companies we evaluate. This page is journalism, not insurance advice: it does not recommend coverage, quote premiums, or estimate savings. Licence status, carrier appointments, registrations and coverage terms change — verify them directly with the agency, with the Colorado Division of Insurance, and with the Colorado Secretary of State before making a decision.