Mike

About Mike Schmisek

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So far Mike Schmisek has created 58 blog entries.

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

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