2013 Wildfires Are Going To Hit Your Pocket Book…. Again…

Colorado is being hit hard again with wildfires. Unfortunately not only are the people who are directly affected going to be hurt by these fires, so are the rest of Colorado property owners. Millions if not billions of insurance losses has occurred this year..

These wildfires are going to drive up Colorado property insurance rates. In 2013, home insurance rates have gone up due to all the wildfires from 2012. The same thing will happen again to renewals 2014.

Lets start praying and possibly start doing some rain dances. Colorado needs rain and snow. BADLY.. Lets also hope we don’t get too much wind and hail. Even though hail does bring the BADLY needed moisture, the problem is that it destroys roofs.

Colorado the past decade is starting to show a state where property insurance has become a complex thing. Wildfires, wind and hail have caused this. Hopefully no more incidents will be passed on to the consumer’s pocket book in Colorado….

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From An Agents Prospective 5/22/2013

This year seems to gone by without any incident so far in 2013. No major hail, no crazy wild fires, well at least not yet. Last year in Colorado, we had a ton of hail and wild fires. Property Insurance companies lost Billions of dollars, homes were destroyed, and people were displaced.

As an indirect consequence, a lot of consumers opened up their home insurance renewals this year, only to see insurance has gone up. For some people, it went WAY up. Especially for people who live in Colorado Springs. Some homeowners saw their premiums double. This is due to the inevitable fact, that the cost of these claims eventually gets passed onto the consumer.

I am hoping we can dodge a couple of bullets this year. The Colorado Property Insurance  market has become incredibly hard for insurance companies to figure out. This is not only due to losses in the Calendar year of 2012, but also previous years.

Lets pray that we get no more wind, hail and wild fires this year. In the long run this will be good for consumers. This is so they don’t keep seeing their pocket-book hit each year, with extra cost in Homeowners insurance.

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Auto Insurance | Get A Free Car Insurance Quote | Denver, Colorado

Auto & Car Insurance Program

If you are looking for auto insurance, look no further. We offer free car insurance quotes to all of our clients. We offer insurance from our top 15 companies, and offer some of the most competitive rates in Denver & Colorado. Our agents put together comprehensive auto insurance policies with superior coverage.

We Insure All Drivers

We insure anyone and everyone. This includes any where from a young driver, to drivers who have a DUI(s) needing sr22 insurance, to preferred drivers who have good credit and a clean driving record.

Coverages We Offer:

  • We can write-up to a half million dollar combined single liability limit.
  • We Offer up to $25,000 in medical payments coverage.
  • Under insured or uninsured motorists is available on all policies.
  • Comprehensive and collision coverage is available, with deductibles as low as 250 dollars.
  • Roadside assistance and rental car reimbursement available.
  • Lien/Lease Gap Coverage Available.
  • Uninsured Motorists Property Damage Available for “Liability Only” Policies

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”.

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We offer up to 10 personal lines companies for auto insurance. To get a free Denver car 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.

Ski & Golf Store Insurance | Get A Free Business Insurance Quote

Ski & Golf Store Insurance ProgramIMG_2713

Ski and Golf stores deliver sporting goods to consumers on a retail and online basis.  Operations will most likely but not always include both ski and golf products to accommodate both the wither and summer seasons. Sales & Rental of sporting goods will include, Ski’s, Snowboards, Golf Clubs, clothes, shoes, accessories and other items. Operations can vary in sizes to small, medium, large and can sometimes have multiple locations.

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
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Special Events Coverage
  • Abuse & Molestation

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 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.

Book Store Insurance | Get A Free Business Insurance Quote

Booksellers Insurance Programbook-store-insurance

A Book Store, also know as “booksellers”, are engaged in the business of selling and distributing end of the publishing process. Operations vary in size, small, medium and large or even multiple locations. Some bookselling operations may have an online presence and sales. Some book shops may have a cafe, with the sales of drinks, food and etc. Some booksellers may offer late hours of operations.

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
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Special Events Coverage
  • Abuse & Molestation

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 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.

Auto Parts Store Insurance | Get A Free Business Insurance Quote

Auto Parts Store Insurance Programauto-parts-store-insurance

An Auto Parts Store can sell a variety of parts for cars, pick up’s, big rigs, trucks, SUV’s, motorcycles, scooters and etc. Operations usually include more than fifty percent of the inventory being parts, and more than fifty percent of total sales being retail. Some operations may include delivery directly to consumers, and also to commercial operations such as dealerships. Sometimes Auto Part Stores may have late hours of operations.

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
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Special Events Coverage
  • Abuse & Molestation

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 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.

CNA Insurance | Business & Commercial Insurance

CNA is a great company, and is also known for paying its claims very well. Any time weCNA-Insurance get a prospect looking for business insurance, we try to put them with CNA Insurance. They are a standard company, but they will write high risk things, such as liquor stores and restaurants that serve alcohol. Here is a full list of what they offer.

  • Business services
  • Construction
  •  Financial
  •  Health care
  •  Manufacturing
  •  Professional services
  •  Real estate
  •  Retail
  •  Technology
  •  Wholesale
  • and a lot more.

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.