Insurance designed around you.
We believe insurance should be personal, approachable, and dependable. Fern & Co. exists to help individuals, families, and businesses make informed coverage decisions through trusted guidance, personalized service, and protection designed for real life.
As an independent agency, we compare coverage from multiple carriers to help you find the right protection for your needs.
Independent Advice. Personalized Protection.
Burns & Wilcox
Travelers
The Hartford
and MORE
Trusted by 30+ major carriers like
Travelers
Burns & Wilcox
The Hartford
and MORE
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Questions about your coverage? Looking for a second opinion?
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Business lines of insurance
Protecting the Businesses that keep our Communities running.

General Liability
General liability insurance protects your business against third-party claims of bodily injury and property damage. It covers the associated medical costs, legal defense fees, and settlements or judgments if you are sued.

Workers' Compensation
In Colorado, all businesses with one or more employees are legally required to carry workers' compensation insurance.
Commercial Auto Insurance.
Commercial auto insurance is required if you or your employees use vehicles for work-related tasks other than standard commuting. It protects your business assets from liability, lawsuits, and damages in the event of an accident, which standard personal auto policies generally do not cover.
Life Insurance


Commerical Property
Protects your physical assets—such as buildings, equipment, inventory, and furniture—from fire, vandalism, or theft.
Cyber Liability
Protects your company against the devastating costs of a data breach, including customer notification, legal fees, and extortion.
Professional Liability
Essential for service-based companies, it covers defense costs and monetary losses if a client claims your advice or services caused financial harm.

Life Insurance

Protect What Matters Most
Personal Lines of Insurance
Protecting what matters most-from your home to your weekend adventures.
Home Owners
Your home is more than a structure- it's where life happens. It is a package policy that typically covers the physical structure of your home, personal belongings, and liability for accidents on your property, plus much more.

Motorcycle Insurance
Motorcycle insurance is a financial policy designed to protect you and your bike. It covers damages, theft, and legal or medical expenses if you are involved in an accident.

Renters
Renters insurance is a property insurance policy that protects tenants from financial losses in a rented apartment, condo, or house. It covers your personal belongings against damage or theft, and protects you from liability if someone is injured in your space. Crucially, your landlord's insurance only covers the physical building and structure—it does not protect your personal belongings.
Auto
Auto insurance is a contract between you and an insurance company. You pay a periodic fee (premium), and in exchange, the insurer agrees to cover financial losses from car accidents, theft, or damage, up to the limits defined in your policy. Reviewing these limits is critical.
Pet Insurance
Coverage For Accidents, Routine Check-Ups, Surgeries & More.

Flood Insurance
Property insurance that covers a dwelling for losses sustained by water damage, specifically due to flooding.
Dwelling Fire
(DP-3 policies) Provides structural coverage and liability protection for properties you don't live in.

Individually tailored policies
Not seeing what you need? WE HAVE IT. Insurance should be specifically tailored to your needs. Give us a call; we would love to get to know you.

Protect What Matters
Why Choose Fern & Co?

Independent agency
We compare multiple insurance carriers to find the right one for you and your specific needs.
Coverage Education
We focus on protecting you and helping you understand and feel comfortable with your insurance coverage.
Local Service
Anyone can sell you a policy. What we do is make sure it's the right policy — and we are here when you actually need to use it.

Contact Us Today
Contact Us
We will get back to you as soon as possible.
Please try again later.
Industries we love working with

We'll help you find peace of mind
Insurance designed around you.
1. Review - We review your current coverage
2. Shop - We compare multiple insurance companies
3. Customize - We build coverage around your needs
4. Support - We're here before, during, and after your time of coverage.
Meet Our Team
Jacee Nicks
Owner
"The insurance market can be overwhelming to navigate on your own — that's where I come in. You deserve to know exactly what you're covered for. That's my job: knowledge is power, and I put it in your hands."

Lacey Singleton
Insurance Agent
From your health to your home, your business, and everything in between, I’m here to be your trusted resource. My goal is to simplify the insurance process, help you understand your options, and advocate for the coverage that best fits your needs.
Team Member
Team Member

