Martial Arts Studio Insurance | Get A Free Business Insurance Quote

Martial Arts Studio Insurance Program

Martial arts studios hold classes in different mixed martial arts(MMA). This can be anywhere from karate, Aikido, Cardio Kickboxing, Kendo, Tai Chi and Tae Kwon Do. Other Styles we can insure include: Brazilian Jujitsu, Grappling, Mixed Martial Arts and Submission Fighting. Classes may be taught to all ages.

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 coverages we offer.

  • General Liability
  • Building
  • Business Property
  • EPLI- Employment Practices Liability
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance

Other Optional Coverage:

  • Higher Limits Available
  • Zero Deductible for General Liability
  • Coverage extends to employees and well as independent contractors
  • Business Income / Extra Expense limit of $100,000 included as part of our Elite Property Form
  • Child care coverage available

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.

Authorized Foremost Insurance Agency | Get A Free Insurance Quote

Looking for a Foremost Insurance Agency in the Metro Denver area or Colorado? You are at the right place. We are appointed and represent their products. Our agent code is 0501699. We are a full service National insurance agency. Here is a line up of what we do.

  • Auto/Car Insurance
  • SR22 Insurance
  • Specialty Home Insurance
  • Landlord Dwelling Insurance
  • Mobile & Manufactured Home Insurance
  • Motorcycle Insurance
  • High Claims Experience
  • High Risk Properties
  • And 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-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

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.

Temporary Staffing Agencies Insurance | Get A Free Business Insurance Quote

Temporary Staffing Agency Insurance

Having a temp staffing agency involves a lot of things happening all at once. You are trying to meet the needs of employers, and trying to find top people to fill positions. It takes a lot of time to screen people and to prepare for requests as they come up.  This involves testing, qualifying and referring people who are reliable, have an excellent work ethic and are educated in the sector for which they are employed. With all these things going on, the last thing you want to worry about is you insurance policy. Let our agency help you create a worry free policy.

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 coverages we offer.

  • General Liability
  • Building
  • Business Property
  • EPLI- Employment Practices Liability
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • 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-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.

Limousine And Party Bus Insurance (Transportation For Hire Insurance) Limo Insurance

Limo & Party Bus Insurance

Looking for limousine or party bus insurance? Look no further. We are a full service National insurance agency. As independent insurance agents based in Denver, Colorado, we are fully licensed to handle all of your transportation for hire insurance needs.  This includes limo’s of all kinds, party buses, sedan’s, and all other types of vehicles. Have a big fleet? No Problem we have markets that will insure your business.

Transportation For Hire Insurance Highlights:

Liability: Get up to 1 Million dollars in commercial auto insurance liability or more. Excess insurance is available.

Under insured or Uninsured Motorists coverage: Protect your clients and employees from drivers who don’t carry auto insurance.

Medical Payments Coverage:  Provides protection for driver and passengers in at fault accidents.

Physical Damage coverage

  • Collision: Covers damage done to a vehicle from at fault accidents, not at fault accidents and uninsured motorists. A 1000 dollar deductible is the most standard option.
  • Comprehensive: Covers damage done to a vehicle from wind, hail, vandalism, theft, riots and hitting an animal.

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.

How To Know If Your Dealing With A Licensed Insurance Agent Or Company

Today is this world, it seems like some one is always out to scam or cheat someone else. We all know its very important to protect your identity and other financial information. We all need to be skeptical, and must protect ourselves as best as we can. So how do you know if your dealing with a legitimate agent or company when shopping for insurance? You have to give out a lot of information when shopping for insurance. It’s always good to double-check if that person or company is licensed before you do so.

How Do I check If a Company or Person Is Licensed?

It’s very easy to check if an agent is licensed or if a company has a certificate of authority. You can simply do this by contacting the department of insurance in your state. For example in Colorado, its DORA- Division of insurance.  From here you can see if they’re licensed and what lines they authorized to transact business in. It also shows the dates of inception and expiration of their license or Certificate Of Authority.

The division of insurance also requires agents to pass a mandatory test, and also pass a credit and background check. They require insurance companies to get a Certificate Of Authority, and to prove solvency and stability  in order to write insurance in their state.  Some companies are Surplus and Excess and do not have to got thorough the process of getting a Certificate Of Authority. These companies  write unusual risks or hard to place, and are considered non-standard markets. In most states, the commissioner has a list of Surplus and Excess companies they find the most trust worthy.

Other Ways to Verify Acknowledgement and Recognition

  • Most agents must go through the process of being appointed by an insurance company. This includes license check with the state, background check, and credit check.
  • Check the financial score of an insurance company by visiting AM Best.
  • Check with the BBB.
  • See how long a company or agent has been in business. A new or small company or agent is not necessarily negative.
  • Meeting an agent or company rep in person is always a good idea.
  • See if the agent and/or company has any past or current complaints with the division of insurance.

Most of all if its to good to be true, or you feel uncomfortable, don’t give out your personal information! Check with the State Department of Insurance first. As always if you have more questions please call us during normal business hours.

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.

Did You Hire An Employee Or An Independent Contractor

Before you go out and hire an independent contractor, or give the next 10-99 to your contractor, there are some things you need to know. Because that person might be an employee not an independent contractor. In this blog I am going to explain what the difference is. This is very important, because the last thing you need is government agency bullying you, and fining you.

What is an employee?

An employee is one who is scheduled specific hours by the employer and is required to work those hours.    This person  is eligible under certain requirements to benefits as designated by the employer.  An employee is eligible for sick leave, medical insurance, dental insurance, and 401Ks etc. through the employer.  An employee is also eligible for Workman’s Compensation if such need should arise.  The employer will pay the employee’s income taxes such as social security and state taxes.  Usually an employee is paid a salary or by the hour.

What is an independent contractor?

An independent contractor is one who works for an individual or company but is not scheduled or required to work certain hours.  An independent contractor is totally independent as to his or her work schedule and does not receive any form of benefits from the employer.  There is no Workman’s Compensation, no medical insurance, no dental or 401K eligibility.  An independent contractor is responsible for paying his or her own taxes such as social security and state taxes.  The most common form of compensation for the independent contractor is being paid by the job.

 

Loss Of Business Income Insurance Coverage

In the event of a large loss, it is most likely a business will not be able to do daily operations. Sometimes a business is shut down due to a claim. This can be a couple of days, of even sometimes up to a year. Sometimes a loss can result from another loss. This is called an indirect loss. Such indirect loss could be losing business income from a big loss.  Since your business can no longer operate, it is only natural for this to happen.

What is business income loss insurance?

This coverage supplements your business income from an indirect loss, when a direct loss occurs and effects your revenue. This coverage is usually good for up to 12 months of lost income. Business income can be considered any type of revenue from daily operations. The insurance company has to indemnify all losses, but no profit can be gained from the insurance company. This unless it is apart of daily operations income.

Why is this so important to have on my insurance policy?

Incidents that result in business losses, can be unforeseen. If your operations are stopped due to an insurance loss, it is a must you  protect the businesses income. This simply can be done, by buying a business owners policy, that has loss of business income, included in it. Always make sure that this coverage is good for 1 full year.

Renting A Car? Things You Need To Know About Insurance Before You Do

I get a lot of questions in my agency, when it comes to renting a car. In this blog I am going to cover what you need to know about insurance, before renting a car. I am going to use a Q & A format, to clear up questions.

  • Will my insurance, follow me to the rental car?

Yes it will, if you already have insurance, you don’t need to buy the rental car insurance. There are coverages you need to make sure you have before doing this. If you have just liability, you need to make a temporary endorsement, and add physical damage coverage. If you don’t have insurance and don’t have a regular car, it is probably best to buy their insurance.

  • What coverages do I need for the rental car.

All rental car rental places will require you to have, state required auto liability insurance, and also physical damage coverage. Most rental car outlets, will require you to carry no higher than a 1000 dollar deductible for both Comprehensive and Collison. If the car gets in an accident, you will be responsible for the deductible.

  • Is there anything else I need to know?

If your rental car is an accident, the rental car place, could technically go after you for loss of use. The loss of use is either while the car is getting replaced or repaired. At this time the car is not operable, and the rental car place can’t rent it out. So technically they can go after you for loss of use. Sometimes your car insurance company will include this in there policies. But some don’t. It is best to check your policy for this. Some credit card companies give you this coverage free, as long as you use the credit card, to rent the car.

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.