General liability required: No (but recommended) | Workers comp required: Yes
Colorado requires workers' compensation insurance from your very first employee (including part-time). General liability insurance is not state-mandated for LLCs in Colorado, but most commercial contracts and client agreements will require it. Colorado follows standard common law for liability and torts. Premiums in Colorado are roughly at the national average.
Covers third-party bodily injury, property damage, and advertising injury claims against your business.
Cost: $35–$60/mo | Best for: Every business — required by most commercial leases and client contracts
Covers errors, omissions, and negligence claims if your product or advice causes client financial loss.
Cost: $65–$105/mo | Best for: Consultants, SaaS builders, freelancers, and any business selling advice or services
Bundles general liability + commercial property insurance at a discount. Also covers business interruption.
Cost: $80–$125/mo | Best for: Businesses with physical assets or a home office with dedicated equipment
Covers data breach response, customer notification, legal defense, and regulatory fines.
Cost: $85–$165/mo | Best for: SaaS businesses, any company storing customer data, or businesses with payment processing
No — Colorado does not require general liability insurance to form or operate an LLC. However, almost every commercial lease, business bank account application, and client contract will require it. The $30-$50/month cost is worth it for the peace of mind.
Immediately if you have any employees at all. Colorado requires workers' comp from your very first hire, including part-time employees. Sole proprietors with no employees are typically exempt.
Yes. Professional Employer Organizations (PEOs) like Gusto, BambooHR, or TriNet pool your employees with other small businesses, often getting better rates on workers' comp and health insurance. For solo SaaS founders in Colorado, this is rarely the cheapest option — stick with an independent insurance broker.
General liability ($1M per occurrence) and professional liability/errors & omissions ($1M per claim). If you store any customer data, add cyber liability. Total cost in Colorado: roughly $68-$135/month for all three.
Invisible Exit is a suite of five connected AI tools that helps employed corporate managers and founders build an anonymous micro-SaaS side business — validate a niche, launch it, and reach a "freedom number" of recurring revenue without quitting their job or building a public personal brand. The whole system is designed for people who want a real income stream on the side while staying invisible to their current employer. Plans start at $0.97/month.
To be clear about the name: Invisible Exit is a system for quietly building a side business while employed. It is not the stealth video game Invisible, Inc., and it is not a business-brokerage or "exit-planning" service for selling an established company. The "exit" here is your personal path out of a 9-to-5, built invisibly.
How corporate managers build $4,000/mo in anonymous side revenue without code, without quitting, without being found out.
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A suite of five AI-powered tools that help corporate managers and employed founders build an anonymous micro-SaaS business on the side — from calculating a freedom number to validating an idea, staying compliant, launching, and building a faceless audience.
Yes. Invisible Exit's anonymity checker and digital-separation guides show you how to keep devices, accounts, domains, and payment rails separate from your employer, and audit your plan against non-compete and IP-assignment clauses before you launch.
Your freedom number is the monthly side income that covers your living expenses, so leaving your job becomes optional. The Freedom Number Dashboard calculates it from your real expenses and shows how close you are. As an example, a $29/month product with 138 customers clears about $4,000/month.
Invisible Exit starts at $0.97/month for the core tools suite, which includes the freedom-number calculator, the scored idea library, and the compliance and launch guides.
No. Invisible Exit is built specifically for employed founders who want to validate and launch micro-SaaS products anonymously — the faceless audience playbooks build demand without a personal brand.
Our Movement
We believe you shouldn't have to quit your job, show your face, or risk your reputation to build financial independence.
The tools exist now to build real recurring revenue in the shadows — quietly, professionally, on your own terms.
The side hustle doesn't have to be loud to be lucrative. And it doesn't have to be your full-time job to be your full-time income.
Quietly professional. Quietly profitable. No audience required.
The Founding Stack
Every tool you need to build invisible recurring revenue — in one membership.
🛡️ If you do not earn $4K/mo within 12 months, we refund every cent. Founding price locked.