With offices in Johnstown, Greenwood Village, Sterling, and Yuma, CO, PFS offers a full line of risk management services, employee benefits solutions, wellness strategies, loss control services and a wide array of insurance solutions for both businesses and individuals. PFS is committed to delivering exceptional long-term results by understanding its client's business and designing personalized risk management and benefits programs that assist them meet their desired objectives.




PFS Insurance's team builds genuine relationships with business leaders who are making bold moves every day. The risk advisors at PFS realize that every client has distinct risks. They are here to make sure the client is protected every step of the way.

PFS specializes in the following areas:

The PFS consultative approach to business insurance sets us apart in the insurance industry. PFS has a vested interest in making sure you have the proper amount of coverage for your business. PFS works with a variety of carriers to give you access to competitive rates with the most appropriate coverage while reducing your cost of risk. Learn More >>

PFS Insurance works with small to large employers. PFS has realationships with a large variety of insurance carriers to provide your company a tailor-made health care package that fits your budget and coverage needs. Learn More >>

Your personal assets are as unique as your are, and your personal insurance policy should be too. PFS has a dedicated team that specializes in finding the most appropriate products, at an affordable price, with the highest level of service. Learn More >>

Our Values


We listen to and learn from each other. We support and celebrate differences. We encourage openness, honesty and give each other the benefit of the doubt. We treat our clients, colleagues and communities with fairness, decency and good citizenship. Respect is earned.


We are accountable to every entity and individual that we interact with - including each other. We are all equally responsible for the organization's successes and failures. We hold one another accountable for our behavior and measurable results.


We constantly strive for continuous improvement and excellence within our industry and our communities. We invest in tools and resources that allow for continual development of our expertise and acumen. Every colleague takes responsibility to develop themselves as a professional. We stay at the forefront of our industry by encouraging collaboration and innovation. We never sacrifice value and quality.


We understand that Honesty is appreciated, trust is gained, and loyalty is returned.

Our Goal

Our goal is to achieve a long-term relationship focused on bringing value to you and your business. We are committed to utilizing our collective talent to support your risk management and benefits needs. We promise to learn all we can about you and your business so we can provide you with value added professional services and solutions to protect all your assets.

Customer Testimonials

CGRS, Inc. is a longtime, loyal customer of PFS Insurance Group because they are able to meet our need for a diverse and continuously changing business and they adjust risk management solutions as quickly as we request them. PFS is tremendously responsive and takes the time to educate our staff as new claims or insurance requirements arise. At renewal time, they always shop to get us the best coverage and the best price, and they're always patient when we ask questions.



The level of service and professionalism we have received from PFS Insurance Group over the last decade is unparalleled. We purchase all of our Property, Casualty and Employee Benefit Plans through PFS and we will continue to be extremely confident in using them for all of our future insurance needs.

The PFS team truly care about their clients!


Acme Distribution and Howard Logistics

Because of an oversight with our previous insurance agent, we got hit with unexpected bills at the end of the year. Sean Penny worked with our provider and got the information corrected. PFS Insurance has been amazing to work with and they really care about their clients!


Biochar Now

Community Involvement

Book Trust

Book Trust is an organization committed to inspiring children's passion for reading. The Book Trust program wants to ensure all students have the books they need to fall in love with reading. This gives them the opportunity to read and own the books that they want to. The goal is to make sure they have a library of books in their home to foster a life-long love of reading. PFS Insurance Group is very excited to sponsor and participate as board members to this wonderful organization.

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Fort Collins Peach Festival

On August 17th the Rotary Club is presenting the 9th annual Fort Collins Peach Festival. The festival will commence in Old Town Fort Collins. The event will offer Peaches from Palisade!, 5K Run/Walk, Children's Activities, Great Entertainment, Peach Pies, Live Music, Delicious Food & Beverages, Business Booths, and PEACH themed events all day long. PFS are proud members of the Fort Collins Rotary Club and are excited to participate as volunteers and sponsors.

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Pregnancy Resource Center

Sometimes you need a place to process everything, to think through all your options and feel safe to share what's on your mind.If you have any questions about pregnancy, STD tests/testing, abortion, adoption or parenting, and pregnancy resources... we'd welcome your visit at our Greeley or Windsor locations. All of our services and materials are FREE of charge, so you can rest assured that we do not benefit financially in any way from your visit. Many of our advisors have walked in your shoes! We'll share our experience and give you the facts you need to make an informed decision. PFS is proud to have members on the board.

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