Hospice Insurance | Get A Free Business Insurance Quote

Hospice Insurance Program

Hospice operations involve providing care for the seriously ill or terminally ill patients. These symptoms can be physical, emotional, or psychosocial. Hospice care focuses on bringing comfort, self respect and tranqulilty for peoples last years or months of life.  Patients’ symptoms and pain are controlled and managed. Goals of care are discussed and emotional needs are supported. The idea behind a Hospice is that the end of life is not a medical experience. Its a human experience that benefits from expert medical and holistic support.

Our Business Owners 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 coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Workman’s Compensation
  • Products Liability
  • Abuse & Molestation Coverage available
  • Excess Liability Limits Available
  • Special causes of loss on building, contents, loss of income, and extra expense.

For more details on our Business Owners Policies, Please Click Here.

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.

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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.

The General PGAC Indepedent Insurance Agent In Denver, Colorado

Looking for a Local PGAC agent? Look no further because we are exactly that. We are appointed agents. Click HERE to see our local listing on PGAC’s website.

Call us for a free quote @ 303-219-4985

About PGAC

They Insure most cars and drivers
Permanent General specializes in “non-standard” or “specialty” auto insurance, which is auto insurance for people who are quote “high risk”. This includes relatively drivers that are new to the auto insurance market, or who have been dropped by their former insurance carrier because of their driving records. PGAC also offers Sr22 filing.

They Offer Low down payments, convenient monthly payments
They offer low down payment options to every policyholder coupled with convenient monthly payments plans if you so choose. In most cases they combine their budget-sensitive plans with electronic verification of driver information and vehicle information when the customer is buying the policy so there are no surprises in the future. They also offer payment by credit card or check online.

Quality Claims Handling and Customer Service
Policy holders receive top notch service. PGAC claims department are focused on serving the customer to complete the client to satisfaction. Many questions and needs can now also be resolved online.

Financially Stable
A.M. Best recognizes PGAC financial strength and stability with a A – “Excellent” rating

Negligent Fire Works On 4th July Fires Up Millions In Property Damage And Bodily Injury Each Year

Independence Day is one of my most favorite days of the year. We celebrate our great Country. We get together with friends and family, enjoy that out doors and bar-b-que. We enjoy the All Star GAme on TV, and sit back relax and drink beer. But there is one thing we all forget. The fact that millions of dollars of property damage and bodily injury occurs each year due to fire works.

According Rocky Mountain Insurance Information , In 2009, fireworks started an estimated 18,000 reported fires, including 1,300 structure fires, 400 car fires, and 16,300 outside and other fires. These fires resulted in one death, 30 injuries and $38 million in property damage (National Fire Protection Association latest data).

On the 4th of July, there are more reported fires then any other day. This makes it difficult for fire and police departments, to respond to emergencies.

Our advice at Denvers Insurance Agency and The Ahbe Group is to leave it up to the professional’s. Keep in mind that the most commonly injured person from fire works, are young children, usually from a sparkler. Sparklers can burn up to 1200 degrees.

Our advice for the fourth of July is to be safe, and leave the fireworks to the pros. Here is a list in Colorado of upcoming fire work displays for 2011, courtesy, The Denver Channel.

 

Why Buying Insurance Online is A Bad Idea

It seems like very day, we see tons of TV ads for auto insurance companies. This either can involve a cartoon, a little lizard, or even a perky little brunette. All of them advertise how you can buy a policy online. They advertise how you can get discounts for buying online. They advertise it like gold and glitter. In this blog, I am gonna go past all the excitement about buying a policy online, and actually tell you why its a bad idea.

  • The information they ask can be very hard to understand. Most of the time consumers enter in information incorrectly, which will give you an inaccurate quote.
  • Most companies, shows the lowest price. This usually means the lowest coverages.
  • Most quotes you get off the internet, are the bare minimum liability coverages. This is bad, because if you get in a bad enough accident, you personal assets could be at stake.
  • Most companies don’t include coverages such as uninsured motorists property damage, and also uninsured or under insured motorists coverage. With a lot of drivers uninsured or under insured, this coverage is a must.
  • If you have a newer car and has a lien or lease on it and its needs comp and collision coverage, a computer can’t understand this.
  • An online quoting system might not know if towing and rental car reimbursement is something you should or shouldn’t have on your policy.
  • Most consumers don’t understand what some coverages mean and what it does. When a consumer doesn’t understand a coverage, they don’t buy it. This could be costly, because a consumer might need it.

I could continue on with many points, but in conclusion, a computer can’t think, and counsel you into the right policy. Only a human can. When it comes to insurance, every person is different in needs. Only an experienced  broker like us, can give you advice and steer you in the right direction. A computer can’t give you advice on how much coverage you should buy, if its ideal to carry a 1000 dollar deductible or a 500 dollar deductible. It can”t answer questions such as, what if I drive my friends car, will my policy follow me to that policy?

Please feel free to leave a comment. We can write insurance in 45 states.

Understanding An Indirect Loss On An Insurance Policy

When a loss occurs, and a claim is filed, the is more underneath the problem than first understood. That loss could be a pipe breaking in your house, a fire in the kitchen or any other type of occurrence. During this time all that is on the policyholders mind, is the loss at hand. But there is another loss creeping up on them, most of the time realizing it at the last second.  This is known as an indirect loss.

What is an indirect loss?

An indirect loss is a loss that occurs because of another loss.  It is an underlying loss that takes place because of a larger loss.   On a homeowners, loss of use of a home would be an indirect loss.    An example of this is, Johnny’s house catches on fire, because of the smoke, Johnny cannot stay in the house.  Johnny has to rent a hotel room because of the smoke in his home.  This is an indirect loss.

An example on an auto insurance policy is when Judy crashes her car and has to have it repaired.  She rents an auto to use while her car is being repaired because she doesn’t have a car to drive back and forth to work.   The expense of the rental car is an indirect loss.

An example of an indirect loss for a business is lack of business income.  Because of a loss, the business can no longer gain income and therefore profits are hurt.

In conclusion, an indirect loss comes from a bigger loss.

 

Thrift Retail Store Insurance | Get A Free Business Insurance Quote

 Today with the economy being what it is, more and more people are turning to thrift stores to buy clothing and goods for their families.  Thrift stores are finding themselves to be very busy with walk-ins daily averaging much more than two years ago.  That is why having an excellent insurance policy is a must.

At our National Independent Insurance Agency, we will take the time, to work with a business to accommodate its needs. Our agents are fully licensed and knowledgeable to create a comprehensive policy that is best for the client.

Our Business Owners Policy

Our policies are superior in industry standard. We believe cutting corners on an insurance policy, could potentially hurt a business owner if a claim were to occur. We provide superior coverage, all at a competitive rate. Here is a basic break down of coverages we offer.

  • General Liability
  • Building
  • Business Property and Inventory
  • Crime Coverage
  • Employee Dishonesty
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Equipment Break Down
  • Outdoor Signs
  • Accounts Receivable
  • Newly Acquired Building
  • and more!

For more details on our Business Owners Policies, Please Click Here.

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-one-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 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.

Why State Minimum Limits For Auto Insurance, Is Not A Good Idea…

In my previous blog, I discussed what is required by law in Colorado, for car insurance limits. In this blog, I am going to explain why the state minimum limits are not a good idea to carry. Not only does this information pertain to Colorado consumers, it applies to all consumers in the United States.

The reason why State Minimum limits are a bad idea, is because the policy seriously lacks coverage. In Colorado those limits are 25/50/15. This means your insurance has to pay out a maximum to a potential 3rd party of, $25,000 per person bodily injury, $50,000 total accident bodily injury, and $15,000 dollar property damage.

To put this short, if you got into a bad enough at fault accident, your limits most likely won’t be enough. Chances are the other person is going to have more than 25,000 dollars in hospital bills, and if there was more than one person in the vehicle, chances are $50,000 isn’t going to be enough. On top of that, most cars cost more than $15,000 dollars. If  this was you in the at fault accident, chances are after you policy limits are exhausted, the 3rd party will personally come after you.

The reason that the state laws makes the limits so low, is to make sure car insurance costs stay low enough, so people can afford it. Having something is always better than nothing, especially is this situation.

How you can protect yourself from an under insured motorists, is by making sure you have sufficient limits on you auto insurance policy under insured motorists coverage.

Please contact us with any questions, we can write in 45 states.

 

What Type Of Insurance Policy Do I Need For A Rental Property?

Rental property’s can provide great residual incomes, and right now with the rental market in demand, a lot of people are putting their house’s up for rent or buying investment properties. Before you do this, your insurance policy must be written correctly, or else you could have some major gaps in coverage.

First of all lest highlight some of the most common types of properties.

  • Apartment Building
  • Condo
  • Dwelling

Apartment Building Insurance

This policy is designed for a building that houses multiple units, usually more than 3.  The policy includes building coverage, a general liability, business personal property coverage, loss of use, crime coverage and more.  This policy is strictly designed for apartments.

We usually write these policies through Travelers, Philadelphia or Middle Oak.

Landlord Condo Insurance

This policy is built for someone who owns a condominium and rents it out. It includes interior dwelling coverage, loss of rent, medical payments, and landlord liability. You can add things such as extended liability coverage, and loss assessment. This policy is usually written under Dwelling Fire Policy Form 8.

Landlord Dwelling Insurance

Investment houses are either written under a DP-1 or a DP-3. Or known as a dwelling fire policy. Most policies are written under a dp-3, because it gives you replacement cost coverage on the dwelling, which is better than the dp-1 actual cash value coverage on a dwelling. Always make sure you have the following coverages on your dwelling rental property.

  • replacement cost on dwelling(dp-3)
  • extended dwelling coverage, at least 120 percent
  • landlord business property(stove top, dishwasher, fridge, washer dryer, etc)
  • other structure coverage
  • loss of use, for at least 12 months
  • landlord liability
  • sewer back up
  • Ordinance & Code Coverage

If you have any questions or want a quote contact us.

Colorado Law Auto Insurance Requirements

We all know that by law in Colorado and most states, that we are required to carry auto insurance by law. Or known as financial responsibility, which in other words if you can’t self insure yourself, you must by car insurance. So what exactly is required by law. Since were an at fault state, the insurance required to buy, is to put it shortly, not very much.

Colorado Vehicle Insurance Requirements

All that is required in Colorado is to carry compulsory auto insurance liability of 25/50/15. Liability only covers the 3rd potential party. So for example, you are considered at fault in a car accident. You are the first party, the insurance company is the second party, and the person you were at fault for in the accident with, is the 3rd party.

What Does 25/50/15 mean?

25/50/15 or 25-50-15 means liability policy limits are as the following, in which an insurance company is responsible in costs, judgements, lost wages and pain and suffering in an at fault accident, representing and defending you.

  • 25,000 dollars per person in bodily injury
  • 50,000 dollars per total of accident in bodily injury
  • 15,000 dollars property damage.

Is there anything else required or optional?

Nothing else is required to be carried.  Optional coverages include:

  • Higher Liability Limits of 50/100/25, 100/300/50, 250/500/100 and 500 csl.
  • Medical Payments
  • Uninsured or under insured motorists.
  • Uninsured motorists property damage.
  • Physical damage, which includes comprehensive and collision.
  • Rental Car Reimbursement
  • Towing

What We recommend

Everyone is always a case by case scenario. That’s why I never recommend buying a policy through the internet. We always take time with our clients, to find out what is best for them. We first of all would recommend higher liability limits. The limits required by law are very low. You are usually cutting yourself by buying these limits. My saying is cheap rates get you cheap coverage. We also make sure that every policy has uninsured or under insured motorists. If you don’t have health insurance, medical payment coverage is very important. If you have any questions, we can write in 45 states, and most of all, our home State and City, Denver, Colorado.