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Who We Are. What We Do.

Adco General is an independent, family owned, regional wholesale insurance broker with national capabilities.

Adco General is the largest independent wholesale insurance broker based in Colorado.  We do not work with the general public, but with insurance agents.  When an agent can’t place a risk with their in house standard markets, they come to us in order to have access to over 60 specialty excess & surplus lines markets from around the world(including Lloyds of London).

Richard Thomas CPCU

Owner & President

Dick has been in the insurance business since 1968.  His first insurance job was with Liberty Mutual in San Francisco from 1968-1970.   He started at Adco in 1970.  He became a CPCU in 1974. Dick co- founded the Surplus Lines Association of Colorado in 1982 and was president of the Colorado SLA from 1987-96.  He was on the NAPSLO Board of Directors from 1987-89.  He was on the Board of Directors for Guaranty National Corp from 1990 to 1998. 

Need a Quote?

First, you need to be a contracted Adco General producer. If you are not, talk to Alex Thomas. If you are already a contracted Adco producer, you can get a quote from us in the following ways:

  1. If you aren’t sure whether we have a market for a risk or if you want to discuss market strategy, give us a call or send us an email before you send the submission in.
  2. When you’re ready to send the submission in, just email or fax it to us and your broker or underwriter will acknowledge your submission the same day. 
  • About ADCO General

    About ADCO General

  • ADCO Management

    ADCO Management

  • How to Get a Quote

    How to Get a Quote

How Adco is Set Up


Our Account Executives have access to over 100 excess and surplus lines insurance markets; all rated at least A- by AM Best.  The two main differences between the insurance carriers we represent is the fact that some give us in house binding authority while others operate only a brokerage basis.  Some of our companies write binding authority and brokerage business.  


Our binding authority companies generally write lower hazard business and more “main street” type accounts.  Adco’s Account Executives have the ability to quote and bind submissions that fit the guidelines provided by the insurance company.  Classes written by our binding authority markets include general liability, lower limit property, package, commercial auto, garage liability, inland marine, and liquor liability. 


If a risk falls outside of our binding authority then your Account Executive will to submit the account to our brokerage markets.  Brokerage companies do not give us binding authority so we must negotiate with the carrier to secure a quote.  The more unique and one of kind accounts are quoted by our brokerage markets. Typical lines of business written by our brokerage companies include general liability, professional liability, directors and officers liability, employment practices liability, excess and umbrella liability, environmental liability, and high value property.

Send your submission to any of our Account Executives and we will get it where it needs to go.  If you have any questions about working with Adco General please contact our VP of Business Development, Alex Thomas at 303-605-2083 or This email address is being protected from spambots. You need JavaScript enabled to view it.



Thank you for your business!

Mission and Values

ADCO Mission Statement:

Adco General is dedicated to continued growth as a leader in the specialty insurance business through the principles of professional performance, integrity, creativity,  education, and outstanding value added service to our markets, producers, and the community.