Apartment Complex, HOA, Condo Insurance | Get A Free Business Insurance Quote

Apartment Building, HOA, Condominium Insurance Program

We have some of the most competitive rates in the country! Our policies come with comprehensive coverage, that beats the standard in the industry. Our agency has experienced licensed insurance agents, to help you find the policy that is best for your property. We insure all operations and sizes. This includes large HOA’s and apartment complex’s, all the way to a small duplex.

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 a break down of coverages we offer.

Coverages Available

  • Building (structure)
  • Business Personal Property
  • General Liability
  • Loss Of Use & Rent
  • Sewer Back Up
  • Employee Dishonesty
  • Employee Practices Liability
  • Equipment Break Down Coverage
  • Workman’s Comp
  • Commercial Auto Insurance
  • Directors & Officers Insurance
  • Errors & Omissions
  • Excess/Umbrella Liability
  • 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 Free Insurance Quote!

We offer up to 4 commercial lines companies. To get a free insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Halloween Parties And Your Home Insurance

Halloween is one of the most favorite times of year.  All kinds of events happen on this day, including Halloween Parties.  You will have your friend John dressing up like a giant banana and Suzie dressing up like Little Red Riding Hood.  Some people are going to have Halloween Parties this year.  Here are some things to think about before you host your Halloween Party at your home.

  • Make sure before hosting a party that you have a clear path from the street to your door.  Make sure there are no potential tripping hazards or delinquencies that could cause a slip and fall.  If you have snow on Halloween shovel your driveways, walkways and lay down salt in order to melt ice.
  • Make sure to confine your pets not only because people can trip and fall over them but you don’t want your pet to run away or get hurt.
  • Make sure all areas where people are going to be walking including dining room, living rooms, sidewalks, bathrooms and dens are well lit so people have a clear view of where they are walking.
  • Do not use open flames.  Even though this is a party killer, do not light candles because people have the tendency to knock them over and start a fire.  Use the electrical lights for your candles and your jack-o-lanterns.
  • If you are serving food, make sure that perishables don’t sit out too long.  You do not want your guests to get sick from food you serve.
  • If you are planning to serve alcohol, make sure you don’t serve your guests too much, and make sure they have a way home.  This can be a Taxi Cab or assign a designated driver.
  • Test all safety devices including fire alarms if applicable, test smoke detectors, and make sure your fire extinguisher is up to date.

In conclusion, a renter, a homeowner and a landlord can be potentially held liable for any incidents or accidents that occur on a property.  Make sure your homeowners, renters or landlord policy has enough medical payments liability coverage and premises liability coverage.  We recommend at least $5,000 Medical Payments and $300,000 liability coverage on homeowners. Also make sure that you homeowners doesn’t have an exclusion for liquor being served.  If you have any questions or would like a quote, please feel free to contact us.

The Liability Of Halloween Trick Or Treaters On Your Property

Halloween can be a great and fun time of the year. Those little pumpkins come to the door and say “Trick or Treat” and you give them all kinds of candy. Many Moms and Dads walk along with their children in gathering those little treats, and even sometimes grandmas and grandpas. As We all know they come on your property, ring your door bell and you give out goodies. The unforeseen threat is when the “trick or treaters” come  on your property, you could potentially be held liable for anything that could happen. This is if someone slips o falls, or any other type of “accident”. This could be if you are  a renter, homeowner or landlord. There are a couple of ways to prevent and protect yourself and we are going to explain what to do.

What To Do To Your Property To Prepare For Trick Or Treaters

  • Make sure there is a clear path from the street to your door. Make sure there is enough space for people to walk.
  • Have the area’s well-lit with light. This is so people can see clearly where they are walking on your property.
  • If its snows, shovel your driveway and walkways, and lay down salt. This is to prevent slip and falls.
  • Don’t have any hazards in the way or attractive nuisance’s.  This could be a hole you are digging in your lawn, or a pile of lumber or rocks in your yard.

Check Your Home Insurance Policy

Make sure your homeowners or renters policy has enough liability and medical coverage. We at least recommend having $5,000 in Medical Payments Coverage and having at least a $300,000 liability. Increasing these coverages will at most cost you an extra $50 dollars per year.  If someone sues you or there is a monetary judgement held against you due to an incident, your home insurance policy protects you.

If you take these basic steps it will assure a lot safer Halloween for you as a homeowner, and for your trick or treaters. Happy Halloween. If you have any questions or would like a quote, please contact us. Thanks for reading!

We Are Your Local Travelers Insurance Agents

Looking for a Travelers Insurance Agent? You are at the right place. We are appointed and represent Travelers Insurance and their products. Our agent code is 06×753. We are a full service National insurance agency. Here is a line up of products that we write-through Travelers.

  • Auto/Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renter’s Insurance
  • Landlord Dwelling Insurance
  • Landlord Condo Insurance
  • Personal Umbrella Insurance
  • Commercial & Business Insurance
  • And More!

We service the following area’s in Colorado:

Aurora, Arvada, Colorado Springs, Commerce City, Castle Rock, Denver, , Centennial, Englewood, Greenwood Village, Littleton, Northglenn, Thornton, Westminster, Wheatridge and more. Please visit this link for our map.

If you would like a quote, please contact us during normal business hours, or shoot us an email. Thanks for visiting our site!

We Are Your Local Safeco Insurance Agents

Looking for a Safeco Insurance Agent? You are at the right place. We are appointed and represent Safeco Insurance and their products. Our agent code is 05-3429. We are a full service National insurance agency. Here is a line up of products that we write-through Safeco.                Click here to see our Agent listing on the Official Safeco Insurance Website.

  • Auto/Car Insurance
  • Collector Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renter’s Insurance
  • Landlord Dwelling Insurance
  • Landlord Condo Insurance
  • Personal Umbrella Insurance
  • Commercial & Business Insurance
  • And More!

We service the following area’s in Colorado:

Aurora, Arvada, Colorado Springs, Commerce City, Castle Rock, Denver, , Centennial, Englewood, Greenwood Village, Littleton, Northglenn, Thornton, Westminster, Wheatridge and more. Please visit this link for our map.

If you would like a quote, please contact us during normal business hours, or shoot us an email. Thanks for visiting our site!

Will The Insurance Company Inspect My Home?

When purchasing home insurance, there are some steps involved. One of them being inspecting your home after purchase of  the policy. When you buy a homeowners policy, the insurance company has the right for inspection. This can be at the beginning, or in the middle of the term. There are a couple of reasons why insurance companies does this.

  1. The insurance companies checks the assessor report, square footage, build and other factors to make sure that the home is insured to 100 percent of its value. This is to assure that property’s don’t go under insured.
  2. The inspector looks for pride of ownership. In other woods is the home being taken care and maintained. From there the inspector will note in his/her report their findings. This could be that the house is in good shape, or needs work.
  3. Liabilities are noted and sent back to the under writer. This could be a pool, trampoline, or any other liability.
  4. There are other steps that the inspector might through, such as an interior inspection, but for the most part, the first 3 steps, are the main steps.

After the inspection is done, the inspector will send his report back to the insurance company. From here, it will go through under writing, and if there are no flags, the policy gets issued. The insurance company may also require further steps, such as fixing a condition in the house. They could also completely deny issuance of a policy, but this only happens a small percentage of the time, usually due to a serious factor. (An Example is telling an insurance company that you own a Golden Retriever, but they find out you have a Pit bull).

Why A Trampoline In Your Backyard Is A Bad Idea

Trampolines are fun and good for exercise. They are also sometimes considered and attractive nuisance and are excluded on most home insurance policies.  By attractive nuisance, you as the homeowner are one hundred percent liable for any potential incidents or lawsuits. So for example, if little Johnny next door, sneaks over and injures himself on your trampoline, you are fully responsible. Even if you weren’t home and didn’t give him permission to be on your property.

According to a CBS News article, 98,000 people were treated in emergency rooms in 2009, due to a trampoline injury. The injuries have also doubled over the past decade, compared to the previous.

These injuries are not going to pay for themselves, and since your home owners insurance most likely has a trampoline exclusion, the homeowner is going to have to pay out-of-pocket.  Insurance companies use to cover trampolines on their policies. After injuries started staggering up, and personal injury lawyers started suing anyone and anybody, insurance companies got out of the business of insuring trampolines.

Our advice is DO NOT OWN ONE. Were not trying bash the Trampoline Industry, were trying to protect the home owner. Trying to protect him or her from frivolous law suits.  All it takes is for a trail attorney lawyer to represent little Johnny’s injury, and for you to pay out-of-pocket over 50,000 dollars. Even if you some how have an insurance policy that covers it, get rid of it. It’s a headache to completely avoid.

Are You Prepared For A Loss?

So much of the time we are more concerned about how much our monthly premium is than what we have to pay in a deductible should we have a loss.  We margin our deductible at a level in order to make our insurance premium comfortable, thus, in the time of a loss, we are not prepared to make the deductible payment.

For example, Susie has a business that is a high-end clothing store.  She has taken out business insurance to cover her investment but has set her deductible at a high level because she wants to keep her premium low.  When the time comes when Susie does suffer a loss, she is not prepared to pay the $10,000 deductible that she has requested on her insurance policy.

We need to prepare ourselves by saving money each week so we are can make the deductible payment should we experience a loss.  Isn’t that what insurance is really about, taking care of the loss when we actually have one?  So, put the money aside, and take care of yourself,  your business, your home and family by always having enough money to cover your deductibles on your insurance policy.

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.

 

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.