Mike

About Mike Schmisek

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So far Mike Schmisek has created 52 blog entries.

Bicyclist Insurance? Something to Consider

Do you need bicyclist insurance? It’s not as far-fetched as it might seem.  Most people don't equate owning a bicycle to insurance needs, however bicyclists might need proper insurance even more so than the general population. If you have car insurance and opted for uninsured motorist bodily injury coverage, your pain and suffering, medical bills [...]

By | June 21st, 2018|Blog|Comments Off on Bicyclist Insurance? Something to Consider

Vacant Commercial Buildings Can Be Hard to Insure, But We Can Help

What comes to mind when I mention a vacant commercial building? A derelict, abandoned structure in a decaying urban neighborhood? A commercial building for sale. Or a building standing empty between tenants or while being remodeled. Regardless of why it’s unoccupied, it’s often difficult to find insurance for a vacant commercial building. We can help. [...]

By | May 28th, 2018|Blog, Commercial Insurance|Comments Off on Vacant Commercial Buildings Can Be Hard to Insure, But We Can Help

Workers’ Compensation Insurance: Protection for Both Employers and Employees

If you own a business and have employees, even if it’s only one person, you need Workers’ Compensation insurance. Every employer, regardless of how many employees you have, is required by Colorado law to carry Workers’ Compensation insurance. And the penalty for not having Workers’ Compensation  coverage is steep. The Colorado Division of Workers Compensation [...]

By | May 21st, 2018|Blog, Commercial Insurance|Comments Off on Workers’ Compensation Insurance: Protection for Both Employers and Employees

Motorcycle Insurance: We Offer Choices Designed to Every Budget and Situation

The warmer weather we’ve been having means spring is here, summer is on its way -- and there are more motorcycles on the road. And it’s a good time for a reminder to be even more vigilant while driving. Accidents involving motorcycles often happen because automobile drivers simply fail to see them, particularly when changing [...]

By | April 23rd, 2018|Blog, Toy Insurance|0 Comments

Spring Means It’s Time to Review Your Travel Trailer & Motor Home Insurance

Spring is here, which means summer is on its way -- peak season for motor homes and travel trailers. Time to make sure your motor home or travel trailer is ready for the road. And time to review your insurance to make sure it provides the coverage you need, with RV, travel trailer or motor [...]

By | March 26th, 2018|Blog, Toy Insurance|0 Comments

Uninsured Motorist Insurance: Do You Have Enough?

While driving with your family, you’re rear-ended by an uninsured motorist -- seriously damaging your car, putting you and your family in the hospital and leaving you unable to work. It was the fault of the driver who hit you, but s/he doesn’t have insurance. That means you’ll probably have to pay your own medical [...]

By | March 19th, 2018|Auto Insurance, Blog|0 Comments

Think You Don’t Need Life Insurance? Think Again.

Think you don’t need life insurance because you’re not married with children? You may want to reconsider. Most of us understand that life insurance makes sense if someone will suffer financially when you die. So, the most obvious example of someone who needs life insurance is the primary earner in a family with children. But [...]

By | February 26th, 2018|Life Insurance|0 Comments

Insure Your Love: Why Stay-At-Home Parents Need Life Insurance

It’s easy to understand why life insurance for the family’s main wage earner is important., but what about stay-at-home parents who don’t add an income to the family’s resources? Stay-at-home parents contribute greatly to a family, including the family’s financial wellbeing. In fact, some experts say stay-at-home parents perform the duties of “workers” with at [...]

By | February 12th, 2018|Blog, Life Insurance|0 Comments

Term Life Insurance: Protect Your Family If You’re Gone

Would someone important to you struggle financially if you were no longer around to help support them? If you’re married, have children, expect to get married someday, have relatives or friends who are dependent on you, or have a mortgage that couldn’t be paid if you are gone, then you need life insurance. The most [...]

By | January 26th, 2018|Blog, Life Insurance|0 Comments

Snowmobile Season!

If you own a motorcycle, you probably have it insured – even if you use it strictly for recreation. For insurance purposes, I think of snowmobiles as being a lot like motorcycles on skis. You’re insuring the same kind of risks for both, at least if your motorcycle usage is off road and strictly recreational. [...]

By | January 10th, 2018|Blog|0 Comments