A TrustedChoice.com recommended local independent insurance agency, with elite-level expertise, is here to assist you with your insurance needs. Your protection is their priority. Recommended Local Agency
Apex Insurance
  • Business
  • Home
  • Auto
  • Life

Apex Insurance

Independent Insurance Agent in Highlands Ranch, CO

Highlands Ranch, CO
Founded in 2008

About us



Saving money is crucial, especially now. Finding the best insurance rate is easier than ever, thanks to online options. However, many people choose the lowest rate without understanding their coverage needs, which can lead to issues when filing a claim.

Working with an independent agency is still the best way to get the right coverage at an affordable price. APEX specialize in servicing both your personal and commercial insurance needs, including:

  • Auto Insurance - There are hundreds of companies that offer auto insurance in Colorado. Let us find the best one for you.
  • Homeowner Insurance, Rentals, Properties, HOA'S - This can be very complex. Not to mention Colorado is a very tough market for property insurance. Don't make the mistake of underinsuring one of , if not your largest investment! No worries, we got you covered.
  • Business Insurance - If your business is looking for insurance, look no further! APEX INSURANCE is Colorado's choice for business owners!

General Liability, Professional Liability, Workers Comp, Commercial Auto, Garage, Property, Office, Pollution, and much more.


KNOWLEDGABLE, FAST, EASY AND DOWN TO EARTH​



What to Expect
  1. We will touch base via phone, email, meeting, or text (your preference) to confirm desired coverage(s).
  2. We run quotes from several (A Rated or better) carriers to see who has the best rate for the coverage(s) you need.
  3. We let you know our findings. If we find a good fit - AWESOME, we would love to work with you. If not, we appreciate the opportunity!




Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Apex Insurance

States we serve

  • Colorado
  • Nevada
  • Wyoming

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Accident & Health
  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuities coverage

  • Annuities
  • Disability Income
  • Life
  • Long Term Care

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

Allstate, AmTrust Financial, AmWINS Group, American Builders Insurance Company, American Modern, Appalachian Underwriters, Applied Underwriters, Atlantic Cas Insurance Company, Attune, Auto-Owners Insurance Company, BLINK by Chubb, Berkshire Hathaway Automotive Insurance Company, Berkshire Hathaway GUARD Insurance Company, Berkshire Hathaway Insurance Company, Bristol West Insurance Company, Builders Insurance Group, Burns & Wilcox, CNA, CRC Group, Chubb, Cincinnati Insurance Company, Contractors Bonding and Insurance Company (RLI), Coterie Insurance, Crump Life Insurance Services, Dairyland Insurance Company, Employers Compensation Insurance Company, Encompass, Foresters, Guard Insurance Group, Hagerty, Hiscox Ins Co Inc., Kemper Independence, Kinsale Insurance, Lexington Insurance Co, Lloyd's, Markel Specialty, Mesa Underwriters Specialty Insurance Company (MUSIC), MetLife Auto & Home, National Flood Insurance Program (NFIP), Next Insurance, OHIC Insurance Company, Ohio Indemnity Company, Pie Insurance, RPS, Security National Insurance, TAPCO, THREE Insurance, The General, The Hartford, Thrivent, US Assure, Vacant Express, biBERK

Apex Insurance Team

Ronnie Starika
Ronnie Starika
(303) 842-7968
Marylou Berg - Sales Executive
Marylou Berg
Sales Executive
Danielle Carochi - Insurance Professional
Danielle Carochi
Insurance Professional
Leticia Orozco - Insurance Professional
Leticia Orozco
Insurance Professional

Apex Insurance Reviews

Average based on 7 reviews Leave a review

Customer Reviews

January 14, 2025

Very nice. Worked hard for best results. Would recommend Danielle to anyone.

January 3, 2025

I had a good experience with my car insurance agent. Leticia was always available to answer my questions and found me the best coverage for my needs. She also worked tirelessly to make the transition really easy, which was my biggest concern.

January 3, 2025

I had a fantastic experience with my car insurance agent. They were incredibly knowledgeable, always available to answer my questions, and found me the best coverage at an affordable price. Their professionalism and dedication made the entire process smooth and stress-free. Highly recommend!

January 2, 2025

Leti was awesome in helping me find insurance for our new build home.

November 5, 2024

Ronnie is professional and knowledgeable. He got us the insurance we needed at the lowest price.

November 4, 2024

First rate! I have home, auto and business policies with them. They always take the time for explanations and handle everything quickly and efficiently.

November 4, 2024

Ronnie is very responsive and works to get us the best rates

Our Commitment to Transparent and Trustworthy Reviews

We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.

RECOMMENDED INSURANCE COMPANY PARTNERS

Apex Insurance

Request Quote