Commercial Insurance

Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

Whether your business has significant assets, or just a one office show, you should understand how your co insurance clause works because it can mean big losses at the time of a claim.  If you are under insuring your property, Co-insurance can result in costly penalties if you aren’t paying attention. What is co-insurance? It’s [...]

By | November 19th, 2018|Commercial Insurance|Comments Off on Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

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

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

Workers Compensation Insurance Required for All Colorado Employers

If you operate a company in Colorado (and many other states) and you have employees, you’re required to have Workers Compensation insurance to cover your employees in case on of on-job injuries or illnesses. Your rates are determined by a number of factors, including, the number of employees you have, the amount of payroll you [...]

By | September 27th, 2017|Blog, Commercial Insurance|0 Comments

Colorado Brew Pub Insurance

In 1977, there were fewer than 100 breweries in the United States. Today, there are more than 5,300. Brew pubs and microbreweries account for most of that growth over the past 40 years -- with no sign of slowing down. Brew pubs and microbreweries have notched double-digit growth in eight out of the past 10 [...]

By | May 1st, 2017|Blog, Commercial Insurance|0 Comments