October 8, 2018
AgencyIs Your Drone Insured?
The answer is probably not, unless you buy a policy specifically for your drone. Insurance companies are notorious for not keeping up with the rapid pace of technology. When drones first became available several years ago, most home and commercial policies did not address the liability that comes from operating a drone, nor replacing the […]
August 28, 2018
AgencyColorado Severe Hail Storms Causing Insurance Policy Restriction of Coverage
Wind and Hail insurance claims continue to increase across the country and particularly Colorado where we rank in the Top 10. The May 8, 2017 that centered in the Lakewood/Golden area cost insurance carriers over $2.3 Billion dollars just from that hail storm alone! It is also noted that hail stones are getting larger and […]
June 29, 2018
AgencyWhy is Your New Business Failing?
Why is Your New Business Failing? According to the Small Business Administration, 20% of new business don’t survive the first year. That’s a lot of money and effort down the drain on behalf of America’s entrepreneurs! There are many reasons why this happens, but many business’ that fail make similar mistakes. Below are just a […]
April 17, 2018
AgencyWhat is an Insurance Deductible and How Does it Work
A deductible is the portion of the cost you are responsible to pay after you file a claim. Deductibles can be found on almost all insurance policies. Once you file a claim and it has been deemed a covered loss, you will be paid for the repairs of that loss minus the deductible you have […]
March 26, 2018
AgencyWhat Type of Insurance Policy does a Small Business Owner Need?
Most small business’ start out insuring their business with a Business Owners Policy, commonly referred to as a BOP policy in insurance lingo. A BOP policy is designed specifically for a small business by packaging important coverages together; general liability, loss of business income and coverage for their business property which is sometimes called contents […]
March 7, 2018
AgencyWhy Consultants Should Always Buy Professional Liability Insurance, Errors & Ommissions Insurance
Consultants are hired to improve their clients’ businesses in one way or another. This means the expectations are high and an oversight or mistake on the consultant’s behalf could damage the potential growth or reputation of that company. This can lead to costly lawsuits. Professional Liability Insurance, also known as Errors and Omissions (E & […]
February 15, 2018
AgencyWhat to Do If Your Small Business Suffers a Data Breach
A data breach is a serious and expensive problem for any small business. Colorado State Law defines a breach as: When there is an unauthorized acquisition of unencrypted computerized data that compromises the security, confidentiality or integrity of personal information of a Colorado resident maintained by an individual or commercial entity. Colorado State […]
March 17, 2017
Agency10 Steps to Starting a Business in Colorado
1. Create a Business Plan A business plan is imperative not only when asking for capitol from a bank or investor but as a tool for holding themselves accountable, tracking progress and controlling the business’s fate. Still don’t see the importance of having a business plan? Read why a business plan is your most powerful tool. […]
January 20, 2017
Agency5 Tips for a More Secure Workplace
Protecting your business in Denver used to mean locking the doors at the end of the day. That’s still important, of course, but now a security breach can extend beyond your physical assets to include software, systems and sensitive data. And, if customer information is compromised, you may lose the most important asset you have […]
November 10, 2016
AgencyProtecting your business from Weather Related Disasters in Denver Colorado
Whether a weather disaster comes as flood, hail, high winds, lightning or something else, the result for about one in four of small businesses affected is the same — they never reopen. That’s according to the Insurance Institute for Business and Home Safety (IIBHS), a Tampa-based industry organization that researches ways to manage disaster […]