Doorbell Video Surveillance & Their App’s

Recently my parents installed a doorbell with video surveillance and it comes with an app you download on your smart phone. When it comes to an insurance agent’s point of view, we love these types of gadgets. There are many handy settings on these doorbells. These gadgets are very user friendly and easy to install. When someone rings your doorbell, you’re are immediately notified on your smart phone. By having this type of device, it allows you to feel more safe and secure in your home.

They can also help prevent theft losses to your house. With their 180 degree camera angle, they keep an eye out in front of your home. Some other features you can add now include swapping out those old spot lights with new LED lights that include a video camera and motion detector that all work in sync with each other.

Overall these handy gadgets can prevent your house from getting burglarized. Most of all it can prevent you from having to file an insurance claim. Filing a theft loss with your insurance company is always going to guarantee a rate increase for the next policy period. These increases can be as much as 25% and higher. If you become ineligible for a standard policy, then you might have to be placed in a non-standard market.

Most of these doorbells start as low and $100 at your local electronic store. They are also very easy to install. The low cost of these devices can give you piece of mind and help deter crime occurring on your property.


Roofing Scams During Hail Season

Barbara Vanhagen lost more than $23,000 in the Lifetime Roofing scam and hopes her story is cautionary to other homeowners according to Rocky Mountain Insurance Information Association.   Trust your gut, check contractor references, ask specific questions about experience, work timelines and make sure it’s in the contract.  And, don’t feel pressured and absolutely don’t give full insurance payments upfront”.

Unfortunately, the hail season means roofing scams are abundant.  These storms can bring out the worst in people and employ fraudulent contractors who are scam artists.  These fraudsters will often make false promises, insist on the full payment up front, and create damage where none should have occurred.

So you don’t think it will happen to you?  Well it does happen, that is what 18 disaster fraud victims in Jefferson County thought before their contractor stole nearly $70,000 in upfront insurance money without replacing their roofs.  Jefferson county prosecutors worked with the National Insurance Crime Bureau to convict Jonathan McMillan, owner of Lifetime Roofing.

This roofer hired sales people to go door-to-door soliciting roofing business from homeowners, some of them at risk, elderly adults, and others with homes damaged from hailstorms.  These great salespeople were told to have people sign contracts and to collect as much insurance money as possible, UP FRONT.  After receiving payment from homeowners or their insurance companies, he never returned to do the work.

According to Rocky Mountain Insurance Information Association, catching these shady contractors is not easy since they usually move on and start something else before people realize they have been taken.  Storm victims have to be the first to defend themselves by knowing who they are dealing with and taking every precaution before paying their insurance claim to a contractor.

Insurance News: 1 Year Later, Colorado’s Most Costly Catastrophe

An updated damage estimate throughout Colorado is $2.3 billion dollars in insurance costs according to a recent article by RMIIA in their Media Advisory.  Looking back at the hailstorms in Colorado, as of May 8, 2017, they have skyrocketed from the initial estimate of $1.4 billion to $2.3 billion being credited with Colorado most expensive insurance claim era ever.

The Rocky Mountain Insurance Information Association is estimating the updated insurance losses for the hailstorm is based on approximately 167,000 auto insurance claims and 100,600 homeowners insurance claims.  As a result of this, initial costs for repairs rises from the initial quoted amounts, especially in an event this size.

According to the article in RMIIA, “The one-year anniversary of Colorado’s most damaging hailstorm demonstrates the magnitude of the damage that can result from a single storm,” says Carole Walker, Executive Director of the Rocky Mountain Insurance Information Association”.

This all serves as a WAKE-UP CALL for all us to consistently review our insurance coverage’s, policies, and to be financially prepared in case of a catastrophe.  With the increased number of people moving to Colorado coupled with the rising costs of living in this state, we constantly need to monitor our insurance needs.

Top Ways To Keep Auto Insurance Cost Down

As an Insurance agent, I am always asked “how do I keep my auto insurance cost down”? In this article, I am going to share some ways and tips on how to do this. Some of them are obvious as not get speeding tickets, while others such as your credit score, not so much.


-Avoid getting moving violations

This is probably the most obvious one. Don’t speed, don’t run stop signs and drive safe. This not only affects your pocket book, but also your personal safety. Over 30,000 people die each year in car accidents. Also, I have seen 2 point defective vehicle tickets drive insurance cost up. Insurance companies look back anywhere from 3 to 5 years on your driving record. I’ll also warn you that DUI’s and other serious violations turn you life upside down and you will double your auto insurance rate.

-Maintain a healthy credit Score

Studies have proven that people with good or high credit scores are less of a risk for insurance companies. They file less claims, are at less risk to get into accidents and pay their bills on time. Overall, a better credit score equals better premiums.

-Take advantage of ALL the insurance companies discounts

Auto insurance companies offer all kinds of discounts. Multi-car, Multi-driver, Multi-policy, good student, owning a home, accident free, college degree, electronic payment, paperless and many more. Make sure you talk to you agent and that you take advantage of all the discounts offered.

-Carry higher deductibles

If you have a brand new, 50,000 vehicle you just drove off the lot, you might want to consider carrying a higher deductible for your Comp and Collision. On a vehicle with that much value, I would personally carry no lower then a 1000 dollar deductible. Over a 2 year period, you could save hundreds of dollars if not more.

-Avoid filing claims

Claims drive up insurance costs. This comes down to safe driving. Drive smart, don’t run red lights, stop at stop signs and quit tail gate-ting the driver ahead of you.

Also, if you have a $500 deductible and back up into a pole and acquire 700 dollars of damage to your car, it might be best to pay that extra $200 out of pocket. The cost of your insurance going to after the claim, may be more costly then the $200. In the case where a lot of damage occurs, file a claim.

-Decrease you liability limits & Reject Uninsured/Under insured Motorist.

Only in extreme cases would I recommend this. Overall, I don’t recommend this at all. If get into an accident, these are the most important coverage’s on your policy. You can live with a higher deductible, but you can’t live with either yourself or someone else’s 100,000 dollar hospital bill. By the way, if you run into an agent or company that recommends this, you should ask yourself if you should be doing business with them in the first place.

-Do you need Med Pay?

If you have a good health insurance plan, you most likely don’t need this coverage. Though the cost to carry med pay is not very much. I have very few clients who reject this coverage due to cost.

Overall, I have provided a basic plan on how to keep your auto insurance cost down. My final point is to shop around on your insurance. If you have a broker or agent you really like, ask them to do an insurance review.

How 10,000 People a Month Is Affecting Insurance Prices

According to an article published by the Denver Post, about 8000 to 10,000 people are moving to metro Denver each month. People have discovered our hidden secret of a great city, our beautiful mountains and our great people and culture. There are unintended consequences to this, such as more traffic, soaring housing and rent prices and property and casualty rising insurance prices.

A lot of people have been opening up there renewals lately and have noticed that there insurance has gone up. Some have noticed up to a 25 percent increase in their auto insurance and a substantial increase on their home insurance. Now the question is why?

There is a very simple answer to this. The more people in one area, the more traffic and more car accidents. In insurance terms, this means more losses for the insurance companies. Especially the Casualty side of it. (Auto and commercial insurance).Like I mentioned earlier, some have seen a 25 percent increase..

The big factor in why home insurance has gone up, is due to property values shooting through the roof. This has not only been for regular homeowners, but for condo associations, apartment complex’s and some commercial properties. A home that was $150,000 in 2010 is now selling for 225,000. Its going to cost more to insure.

Overall, I hope I have given you a better understanding of how a growth in population will affect you auto, home and commercial insurance prices. At the end of the day, the insurance company passes its cost down to the consumer.

Request A Certificate Of Insurance

This form is used for existing clients to request a certificate of insurance. You or your contractor will need to already have purchased an insurance policy through our agency in order to get a certificate of insurance.

Please Note: We will try to issue the certificate with in one business day of receiving this.

Disclaimer: Filling out this form does NOT make you a certificate holder. You are also NOT purchasing or binding insurance.

Other Products Quote

Please fill out the form as best as you can.

By sending this, I hereby affirm all information to be true and accurate. Please note, you are NOT binding or purchasing any products. If you don’t hear from us soon, feel free to contact us.

Why Do Insurance Companies Need So Much Information & Ask So Many Questions?

Insurance companies are at risk when they insure you.  Therefore, they have to be very thorough in the information they capture in order to make the right decisions and to take on the risk.  Questions such as who will be driving the car, where  the vehicle will be garaged, what is the Vin# of the vehicle, how many people are in the household, and is there a fireplace in your home are just a few examples of what insurance companies need to know.  Many times people can’t understand why the question is asked….is there a trampoline on the property or a swimming pool?  Think about it, these are liabilities.  What if a child ran away from his parents and wondered onto a property with a swimming pool, fell in, and drowned, what position does this put the insurance company in?  And a trampoline just invites trouble, somebody comes over, gets on the trampoline, starts jumping, gets caught and really hurts himself, what kind of position does this put the insurance company in…..and what if the insurance company doesn’t even know there is a trampoline or a swimming pool on the premises…then there really is a problem. 

Insurance companies have to have the information and COMPLETE information.  Without it, they have a false statement of what the risk really is.   They also have an application that is misrepresented, in this case, they can reject a claim.  Make sure you give your insurance agent complete details on your request, and don’t be afraid to ask questions.  That is why you have an insurance agent.




Contractors And Artisan Insurance | Get A Free Business Insurance Quote

Contractors & Artisan Insurance Program

We offer a wide variety of insurance packages for contractors. Whether you’re the neighborhood plumber or a 15 man crew operation, we can cover a lot of needs. Work with us to get a free competitive quote. You will work with a licensed experienced Insurance Agent, who will put together a policy that is best for the business.

Our Business Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverages we offer.

  • General Liability
  • Business Property Or Inland Marine Tool Coverage
  • Special Equipment Coverage
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • And more!
Type Of Contractors We Insure
91111 Air Conditioning – Air Conditioning Systems or Equipment, installation, service or repair including dealers. If heating work also use 95647.
91150 Appliance Installation – Commercial – No residential, apartment work ok.
91155 Appliance Installation – Household (residential) – Installation, service and repair of household appliances & accessories. NO commercial appliances.
91342 Carpentry – Commercial – Includes commercial tenants improvements & betterment, repair & replacement. NO exterior work on buildings exceeding 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91344 Carpentry – Handyman – Service and repair work only. Maximum $2,500 per job if licensed and $500 per job if not licensed.
91341 Carpentry – Interior – Finish carpentry, includes woodwork, trim, countertop (no tile), wooden doors, cabinet installation and shelving. NO General Contracting or interior room remodel (use 91340). NO exterior framing work as a subcontractor.
91340 Carpentry – Residential – Includes structural and non-structural remodeling and repair. Examples: Kitchen & bathroom remodeling & decking. Work also may include adding square footage such as a second story or room additions. Exterior framing work as a subcontractor not allowed. NO exterior work over 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91405 Carpet-Upholstery Cleaning – Work on customer premises only, NO shop exposure. Only 100% Service/Repair and/or Commercial risks permitted in this class.
91436 Ceiling/Wall Installation – Metal – Ceiling or Wall Installation – Metal or Acoustic.
91551 Communication Equipment Installation – Wiring, cables & circuits for telephone and communications equipment operating at <50 volts. NO telephone line construction, burglar, fire alarm/emergency systems work
91560 Concrete Construction – Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways. Room addition foundations are acceptable as a sub-contractor or the General Contractor. Commercial foundations are acceptable. NO residential foundation work on New Homes. NO exterior work on buildings exceeding 3 stories in height. NO pool construction. NO public street, road or highway work.
91577 Conduit Construction – Cable/Wire – Installation of communication or electrical encasements. Max. depth 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
91629 Debris Removal – Construction Site – This classification applies to those risks solely engaged in the removal of debris in connection with construction or erection. NO roof tear-off or soft demo. NO janitorial work.NO salvage operations. NO Asbestos Removal.
91746 Door/Millwork Installation – Metal – Door/Millwork Installation – Garage door work OK. NO window work.
92102 Drilling – Water – Private water drilling with limited agricultural exposure.NO water quality testing or municipal work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
92215 Driveway/Sidewalk Paving – Includes asphalt or paver installation, parking lots, private roads & commercial or residential driveways or sidewalks. No Public street, road or highway work. NO grading or excavation other than incidental to paving (use those specific classes if not incidental).
92338 Drywall – Residential service, repair or remodeling only. NO New Residential work. New commercial OK. NO insulation work.
92478 Electrical – Within Buildings – Includes incidental outside work. NO power line construction or pole work. NO burglar or fire alarm system, generator, electrical machinery or auxiliary apparatus work. NO work over 480 volts.
94007 Excavation – Max. depth 12 ft. NO Public street, road, highway, agricultural or building demolition other than outbuildings. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
94276 Fence Erection – Applies to risks that install or erect fences – metal or wood. Includes wooden or metal mailbox installation and real estate sign installation. NO sound barrier fencing. NO child-safety fences or electrically charged fencing. Automated gates acceptable.
94569 Floor Covering – No Tile – No dealers. Installation of carpeting, laminate and hardwood flooring. — Ceramic tile, stone, marble or terrazzo work should be separately classified as Tile.
95410 Grading – No Public street, road or highway work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
95647 Heat/AC no LPG – Sales, installation, service or repair of heating or combined heating and air conditioning systems or equipment. Incidental LPG equipment sales or work allowed, up to 5% of receipts.
96053 House Furnishing Installation – Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. NO furniture repair or moving services. For residential appliance installation see 91155.
96816 Janitorial – Commercial – COMMERCIAL OFFICES ONLY – NO residential exposures, model homes, retail work or sales of chemicals or cleaning supplies. NO work in banks, medical or dental offices. Only 100% Service/Repair and/or Commercial risks permitted in this class.
97047 Landscaping Gardening – Landscape Maintenance & Gardening – Basic landscape/lawn care service – mowing, mulching, planting &/or installation. Over-the-counter fertilizer/weed control ok. Lawn sprinkler installation ok. Tree trimming from ground level allowed if incidental to other landscaping operations.
97447 Masonry – Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls over 6 feet not allowed BUT perimeter wall over 6 feet ok. NO street, road or highway walls or work. NO exterior work on buildings exceeding 3 stories or cast-in-place concrete work. NO fireplace or chimney work allowed.
97650 Metal Erection – Decorative – Decorative – Interior work only, non-structural, office partitions or work stations. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98304 Paint Exterior (3 stories & Under) – Buildings & appurtenant structures only, including walkways/fences, surface preparation and faux/texture painting. NO waterproofing of foundations or exterior of buildings. No exterior work on buildings exceeding 3 stories or roof painting. NO work on tanks, street and road or bridges.
98305 Paint Interior – Painting Interior. NO exterior work. NO waterproofing of foundations or exterior of buildings. (Bathtub refinish ok).
98344 Paperhanging – Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings.
98449 Plaster/Stucco – COMMERCIAL WORK ONLY. NO residential. Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98482 Plumbing Commercial – No fire sprinklers or steam boiler work. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98483 Plumbing Residential – NO New Residential work allowed. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98502 Prefabricated Building Erection – Intended for light, non-habitational service or outbuildings. NO commercial retail usage. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98636 Refrigeration Equipment Installation/Service – Installation, service and repair of commercial refrigeration systems. NO wholesale cold storage, manufacturing or food processing plants. Incidental LPG work ok (up to 15% of annual receipts).
99650 Satellite Dish Installation – Service or repair – NO work on buildings exceeding 3 stories in height.
98805 Septic Tank Cleaning – No RV work. NO work below 12 feet. Cleaning of restaurant grease traps ok. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98806 Septic Tank Installation – No RV, blasting or work below 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98820 Sewer Mains Construction – No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98967 Siding and Gutter Installation – Installation includes soffit/fascia and decorative shutters. NO new residential work. NO spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. NOEIFS Work. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99004 Sign Painting – No sign erection or work over 2 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99746 Tile/Stone Installation – Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of these materials to floors, walls or counter-tops.NO swimming pool work or roofing operations.
99946 Water Mains Construction – No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.

We Can Write Contractors Insurance In The Following States

Available in: AR, AZ, CA, CO, ID, NM, NV, OK, OR, TX, UT, & WA

We Do Not Write The Following

  • Risks with less than two years experience in the applicants trade.
  • Risks with operations not specifically listed on program classification & rate schedule.
  • Contractors acting in the capacity of a general contractor on new construction, as a builder, project manager or developer.
  • Risks which engage in Maritime operations. . Risks which sponsor sporting or social events.
  • Risks engaging in the renting or leasing of equipment to others.
  • Risks engaging in the selling or manufacturing of products sold under the applicant’s name.
  • New residential construction of condominiums; townhouses; or “tract housing developments” in which more than 10 houses or dwelling units have been built or are in any stage of development, planning, or construction.
  • Construction management for a fee.
  • Exterior work exceeding three (3) stories in height.
  • Public street, road or highway work.
  • Power line construction, burglar or fire alarm system, electrical machinery or auxiliary apparatus work. (Residential alarm pre-wiring ok with no hook up or monitoring)
  • Liquefied petroleum gas (LPG) equipment sales or work. (incidental work ok).
  • Painting of tanks.
  • Fire sprinkler installation or service.
  • No sign erection. No sign painting over 2 stories.
  • Swimming pool installation, service or repair.
  • Removal of any asbestos.
  • Roofers
  • Risks with OCP (subcontractor) costs greater than $200,000 or more than 50% of annual gross receipts.
  • Risks with (in the last 4 years) more than $20,000 incurred losses (including expenses) or more than 2 claims. Construction defect claims please refer to Underwriter.
  • Risks involved in water damage, fire damage, or mold damage repair or remediation as the General Contractor.
Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Life Insurance & Financial Services | Get Free Quotes & Advice

Life Insurance & Financial Services

At Denvers Insurance & The Ahbe Group, we offer the most superior Life Insurance & Financial Service Products in the Nation. You will work one on one with a licensed experienced representative, who will find the best product for your future. We believe building a trusted relationship with our clients, and providing great service is what makes us the best.

Planning for your future can be complicated. We want to help our clients understand and find what is compatible. We do this through multiple means. This can be anywhere from our great products, all the way to our expertise advice. We believe through great products and our experts, we can allow anyone to achieve their goals and dreams.

We Offer A Full Selection Of Life Insurance Products

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • And More! Please call for market related products.

We Offer A Full Selection Of Financial Services

Long Term Care

  • Long Term Coverage Available


  • Variable Annuities
  • Fixed Annuities
  • Guaranteed Life Income Annuities
  • Future Life Income Annuities

Personal Financial Planning

  • IRA’s
  • ROTH’s
  • 401k reviews
  • 529’s
  • Mutual Funds
  • Full Financial Reviews Available
  • and more!

Business Planning

  • Key Man Insurance
  • Business Succession Planning
  • Simple
  • Sep
  • 412I’s
  • 401k’s
  • Excutive Benefits
  • Full Business Financial Reviews Available
  • and more!

Get A Free Life Insurance Quote & Get Free Financial Advice

To get advice or a quote on any of the above products, please use our quick form.