Mike

About Mike Schmisek

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So far Mike Schmisek has created 62 blog entries.

Rental Tool Insurance

Do you use rental tools in your business? If so, we can offer you a wide range of tool-rental insurance. And, if you use rental insurance provided by the company providing the tools you rent, we almost certainly can save you money as well. Tool rentals can be a significant expense. Many contractors, for example, [...]

By | October 30th, 2018|Blog|Comments Off on Rental Tool Insurance

Insuring Your Employees’ Tools Can Protect Your Business

Did you know you can insure the tools of your employees? When I first suggest this to many business owners, they often laugh and wonder why would they want to insure their employees tools?  The answer is quite simple. For contractors and their employees, tool theft can be a problem -- on the job or [...]

By | October 25th, 2018|Blog, Commercial Insurance|Comments Off on Insuring Your Employees’ Tools Can Protect Your Business

Mysterious Disappearance Can Mean Loss of Insurance Coverage

Many of us enjoy a good mystery -- unless it involves our insurance. If you lose a valuable piece of property, your insurance reimbursement -- or lack of it -- may depend on whether your policy includes a Mysterious Disappearance Clause. A Mysterious Disappearance Clause is just what the name says. If your property, renter’s [...]

By | September 24th, 2018|Blog, Home Insurance|Comments Off on Mysterious Disappearance Can Mean Loss of Insurance Coverage

La agencia de Mike Schmisek Insurance

La agencia de Mike Schmisek Insurance a estado desde el año 2008. Estamos localizados en el área del suroeste de Denver. Nuestro equipo se especializa en darle el mejor servicio que usted merece. La oficina de Mike cuenta con una representante en español con mas de cinco años de experiencia en seguros. El objetivo de [...]

By | September 24th, 2018|Blog, Helpful Tools|0 Comments

Automobile Insurance: Split Limits versus Combined Single Limit

Does your car insurance have split limits or a combined single limit? You probably have split limits. It’s the most common type of automobile insurance coverage. You probably didn’t know that. Or what it means. Let me explain: The state minimum insurance is represented as split limits: $25,000/$50,000/$15,000. The first number represents the most an [...]

By | September 13th, 2018|Auto Insurance, Blog|Comments Off on Automobile Insurance: Split Limits versus Combined Single Limit

Six Ways to Lower Your Car Insurance Rates

Want to lower your car insurance rates? Get married. And raise your credit score. What do marriage and credit scores have to do with car insurance? Except in Massachusetts, Hawaii and California, states allow insurance companies to use credit scores to determine car insurance rates. And insurance companies use credit scores to determine rates because [...]

By | August 21st, 2018|Auto Insurance, Blog|Comments Off on Six Ways to Lower Your Car Insurance Rates

Motel & Hotel Insurance – Colorado

We’re able to offer many types of specialized insurance to meet the needs of clients with unique needs. Motel and Hotel insurance, including coverage for homeowners who rent out their homes as part of an Airbnb or VRBO arrangement, is an example. Hotel/motel insurance can be complex and difficult to navigate on your own. For [...]

By | August 14th, 2018|Blog|Comments Off on Motel & Hotel Insurance – Colorado

Occupational Discounts on Car and Home Insurance for Educators and Others

In my last post, I mentioned that we offer special discounts on car and home insurance to first responders. But we also offer discounts for professionals in many other occupations as well. One major group -- educators. This discount applies to full-time, licensed K-12 teachers and full-time college or university professors and instructors. We also [...]

By | July 19th, 2018|Blog|Comments Off on Occupational Discounts on Car and Home Insurance for Educators and Others

Special Discounts on Car and Home Insurance for First Responders

What do car insurance, home insurance and first responders have in common? One of the things I like best about my job is that I’m able to offer special discounts on car and home insurance to first responders -- those people who often are running toward danger while the rest of us are running from [...]

By | July 17th, 2018|Auto Insurance, Blog|Comments Off on Special Discounts on Car and Home Insurance for First Responders

Own or Buying a New Camper? Make Sure It’s Properly Insured

Camping is popular in Colorado. And pop-ups and other campers are popular among Coloradans who like to spend time in the great outdoors. If you own or plan to buy a camper, including a pop-up that fits into the bed of your pickup, it’s a good idea to make sure it’s properly insured. We can [...]

By | June 27th, 2018|Blog, Toy Insurance|Comments Off on Own or Buying a New Camper? Make Sure It’s Properly Insured