What insurance does a small business actually need? Much of a business's success depends on how well it can overcome obstacles. Our agency is here to help guide you through the perils that you likely don't anticipate. Let's take a look at some examples of these perils through Acme Inc. The company had been investing resources to fuel growth, and this made cash flow a little tight. To save money, they decided to temporarily cut back on some of their insurance, and as luck w

Car insurance and our new gig or sharing economy is a complex system of interactive pieces. Most car insurance policies specifically limit or exclude coverage for what we call Public or livery use of the vehicle, which is essentially delivering stuff for a fee or delivering people for a fee. Unfortunately, the various organizations that do this are not really good at notifying their drivers that they may have huge gaps in coverage. There are ways to address this, which coul

Do I need to buy the rental car company's insurance when renting a car on vacation? I often get asked the question about renting a car and whether or not I should take the insurance when I'm on vacation. The safest answer is to take the rental car company's insurance and disclose all drivers. There are a variety of reasons. A few examples will be this. Number one: your deductible. If you, if damage happens to the car while you are renting it, you will be immediately respo

We see 5 main reasons why people suffer financial devastation when mayhem strikes. We made this video to make sure this doesn't happen to you. Number 5, they don't know that flood is not covered in a home policy. Number 4, they don't realize how often the liability limits of auto and home policies are often exceeded. Number 3, they don't understand the importance of a personal umbrella policy. Number 2, they don't prepare for the worst and understand how inexpensive life

Property insurance has been a real challenge in Colorado. Can you tell me about the new government-run program called the Colorado Fair Plan? The Colorado Fair Plan was established in Colorado back in 2023 as a result of the challenges in the insurance marketplace in the state of Colorado. Many homeowners had been unable to procure coverage due to the increased risk of wildfire in our state. Other homeowners may not have been able to obtain insurance due to past claims hist

Meet The Mackeys! James and Sue both work hard to provide a happy home for their family. After years of saving, they were able to move into a nice neighborhood with good schools. Then, on one horrible day, James was involved in a fatal car accident as he was driving home from work. Incredibly, things got even worse, for the poor family found that the life insurance benefit provided in James's medical plan wasn't enough to cover all of the funeral costs, and they had virtual

Have you ever gotten a craving for ice cream, loaded up the family and driven to the vanilla store? Of course not, because why would you go to a shop that just has one flavor when you can go to one that has 31? Believe it or not, this is the case with insurance agencies today. Most of the agencies you see only represent one single insurance carrier, which is fine if you're looking for one flavor fits all insurance coverage, but most people need options, options in pricing a

Finding the best service providers in town can be frustrating. That's why we want to share our concierge program with you. We're your local field guide to businesses that provide top quality service looking for reliable assistance with your real estate needs. New restaurant, auto mechanic, chiropractor. Our concierge program is your one stop resource. It's free to use and we don't charge businesses to be listed either, but they can only be added if a customer or our team reco

At our agency, we believe you deserve top quality service period. That's why we're committed to giving you the best of us. We'll make sure you have the right coverage, the right discounts and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back as agents of change in our community. Our agency will rally around a new community cause together we can positively impact the lives of others around us. So for every friend, you

As a homeowner, you are likely to file a claim eventually. Before disaster hits, be prepared with a comprehensive understanding of the...

Yep, that’s right, and believe it or not, working from home can make you vulnerable to risk or loss. As much of the world transitions to...

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Did you know only seven insurance agencies in Colorado support restaurant owners? Lucky for you, you’re in the right spot because...

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Basic Features of Life Insurance: The Death Benefit: how much the insurance company will pay once the insured person dies The...

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Going Independent With Your Insurance Gives You Freedom ALWAYS! Get an agency that’s looking out for you From “Like a good neighbor,...

It’s July in Colorado and you know what that means… Hail is upon us! Here are some ideas to keep your house proof. Start with an at-home...