Insurance

Business Owners Policy: Combine and Save

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Any business owner will tell you that keeping all of the accounts in order can be a hassle that takes valuable time away from focusing on serving the customer. A Business Owners Policy (BOP) helps lasso your company’s insurance policies into a convenient package. A BOP can also help save your company money, much like when you bundle your personal home and auto insurance. With a Business Owners Policy, your company can bundle Commercial Property Insurance, Commercial General Liability Insurance, and Crime Insurance into a single BOP, your company can even include additional coverage options based on your …

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Smoking Marijuana Affects Insurance Rates

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The week of 4/20 is a very popular time here in Colorado. We at Insurance Town & Country want to ensure that our customers make good decisions.  Whether you are a company providing insurance to your employees or an individual updating your various insurance policies, you are probably curious to know how your insurance may be affected if you or someone covered by one of your policies smokes pot.

Let us begin by saying that every situation is different and we highly recommend that you contact us with questions, so that we can provide answers that are accurate to your …

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Colorado Among Highest States for Identity Theft

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According to the Federal Trade Commission’s 2014 Consumer Sentinel Data Book, Colorado ranks in the top 10 states for per-capita fraud complaints and #13 for per-capita Identity Theft complaints.

To read the full report, click here.

Fraud and Identity Theft are serious problems that are affecting millions of Americans every year, and the situation is only getting worse. As hackers become more and more skilled and technology continues to advance, you are put at a higher risk of being defrauded or having your identity stolen with complaints having increased almost 8‑fold over the past 14 years. If you haven’t …

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The Importance of Additional Commercial Liability

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You may have Commercial General Liability Insurance, but is it the right insurance?
Is it enough?

Keeping your business protected is a constant battle in today’s vicious lawsuit happy culture.  Your current Commercial General Liability Insurance probably protects your business when incidents happen as a direct result of your regular operations.  However, there are many situations that may require additional commercial liability policies.  This article will cover three of the additional commercial liability policies most frequently needed by small businesses.

Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor.…

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Personal Umbrella Liability Insurance: Keeping You Dry

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In the case of a catastrophic financial event, Personal Umbrella Liability Insurance could be the best line of defense you’ll ever have.

Sometimes in life things just go wrong. Let’s say that you get into a terrible car accident, you’re hurt, the other person is hurt, and on top of that, they decide to sue you. Your basic insurance policy might not cover all of the damages, the medical expenses, and the legal costs. That’s where personal umbrella liability insurance becomes important.

A personal umbrella liability insurance is a customized additional policy that extends the protection of your basic insurance policies …

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Business Insurance: Spring is Here, So Claims are Near

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For many businesses, Spring means the beginning of the season.  It doesn’t matter if you are a construction company, a wedding venue, or a traveling carnival, you need to be protected!  The agents at Insurance Town and Country know that to you, It’s more than a job—It’s your livelihood.  It’s also the livelihood of many of your employees and stakeholders.

We understand that different kinds of businesses need different kinds of business insurance, which is exactly why we offer several customizable policies to fit the specifics of your operation.  Below is a listing of our different kinds of business insurance …

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Life Insurance: Do It Now, So They Don’t Have To Later

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The death of a loved one is something that many families avoid talking about because it is scary, rude, or just something that you don’t think about. We’re telling you that now is the time to break the silence and start discussing your wishes and making plans in the case of your death. The days and weeks after a loved one’s passing should be a time of grieving, celebration of life, and healing. It shouldn’t be a time to stress over finances and funeral arrangements.

It is important to protect your loved ones from suffering a financial crisis, in addition …

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Small Business Bond Solutions

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The agents at Insurance Town and Country are more than just insurance policy experts.  We offer a range of products and services to small businesses, including bonds.  Our clients have a multitude of small business bond choices to fit their needs and goals.  We also understand that choosing a bond that makes sense for your unique circumstance may be challenging.  Our Bond Specialists are trained to help walk business owners through their options and choose a bond that makes sense for their business.  If you are in need of any of the following bond solution services, contact us today at …

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Pet Insurance: Man’s Best Friend’s Best Friend

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When you get a pet, you invite him or her to become a part of your family.  You care for your pet and they love you in return.  However, life is unexpected and often unfair; pet insurance is meant to keep a pet owner from having to make the decision between paying the bills and saving their best friend.

Pet insurance covers accidents and injuries, but wellness care and continuing care options are available as well.  Insurance Town and Country offers ASPCA Pet Health Insurance to our customers.  This policy offers amazing coverage and benefits, such as:

Get reimbursed 80% of…

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Business Interruption Insurance: When Disaster Strikes

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You have a great business. You are meeting your customer and clients’ needs and operations are running smoothly. Then disaster strikes. Lighting hits your building and destroys one of your machines or a snowstorm collapses your ceiling. What do you do now? Your Business Owners’ Policy may take care of the damage, but what about all of the income that you lose by not being able to produce?

The answer is Business Interruption Insurance or Business Income Insurance.
These policies protect you from losing the revenue that you would have received if your business had not been forced to stop due …

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