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Summertime Means Business for Mobile Companies

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If your business has company vehicles, you may want to review your commercial auto insurance policy before business really picks up.

For many companies whose business means being on the road, summer is the busy season.  Whether you work in a food truck, on a construction site, or giving jeep tours, you need to have dependable, up-to-date, and comprehensive commercial auto insurance.  At Insurance Town and Country, we understand that every mobile business is different; a fleet of snow plows and taco truck will have different coverage concerns and budgets.

Our insurance agents work with you to customize your business insurance …

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Insurance Dictionary: “Act of God”

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You often hear “Act of God” tossed around when describing an insurance claim, but do you really know what qualifies as an “Act of God?”

First of all, “Act of God” is rarely used in actual policy writing. It is more of a saying to describe unavoidable, natural events. Not all insurance companies use the same criteria for what constitutes an “Act of God,” so it is important to ask your insurance agent for the specific circumstances that are included in your policy. That being said, here are some examples of common “Act of God” policy claims.

Natural Disasters: Earthquakes, hurricanes,…

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Disability Insurance and Overhead Expense Insurance

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If your business relies on key employees to keep operations going, you may want to consider purchasing Overhead Expense Insurance for your company and Disability Insurance for your employees.

Overhead Expense Insurance is a policy that is built for small and medium businesses whose ability to earn money comes from personal service. If you own a boutique advertising company, intimate retail store, or some other business that depends on you or a handful of key employees to run, this type of policy will provide income replacement to the business while you recover from injury of illness. This policy also helps …

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Spring Clean Your Insurance Policy

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While you’ve been inside picking through your attic and trying to bring yourself to get rid of those old clothes that haven’t fit in years, you should be preparing to do an annual Spring cleaning of your insurance policy.  We recommend that all of our customers do an annual review of their insurance policies to make adjustments to match the changes in their lives.  Spring is the perfect time to set up an appointment with your insurance agent to discuss what policy changes might benefit your current situation.

We have included some examples of scenarios that would benefit from an …

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Memorial Day: Appreciating Our Veterans

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Memorial Day can be a day of mixed feelings. On one hand, we are happy; looking around you can see why so many men and women have fought and died to protect the freedoms we enjoy as Americans. Our beautiful parks, the towering skyscrapers, museums filled with art and history, and the ability to freely experience all of it with the ones we love. On another, we swell with appreciation for the members of our armed forces who fight until their last breath to keep our communities safe from not only the threat war, but natural disaster. In the pit …

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Fire Insurance: Don’t Let Your Future Go Up In Flames

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No one expects to be affected by a fire. Whether you are thinking about your business or your home, it’s just not something that crosses your mind. Fire insurance is one of those policies or policy additions that people put off, because they think “A fire? That’ll never happen to me.” But it does.

With the uncharacteristically wet spring Colorado has had this year, many business and homeowners will put off getting coverage, but this is a mistake. Wet weather this year means that the naturally occurring wildfires that affect Colorado might not burn as much vegetation, leading to a buildup …

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Company Changes May Affect Commercial Auto Insurance

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Commercial Auto Insurance is a vital part of any mobile business’s operations.  At Insurance Town & Country, we get to know the needs of your small business and find a customized Commercial Auto Insurance plan that makes sense and saves you money.  When creating a custom policy for your commercial automobile or automobiles, there are several coverage options. Each of the following coverages, among others, are available, Bodily Injury Liability, Property Damage Liability, Medical Payments, Comprehensive Coverage, Collision Coverage, GAP Coverage, Uninsured and Underinsured Motorist Bodily Injury Coverage, and Bailee Coverage.

Your business may require a more specific policy addition …

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Business Insurance Options: What’s the Difference?

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We at Insurance Town and Country offer a LOT of different options when it comes to choosing business insurance for your company; between the different insurance brands, policy types, additions, exemptions, and exceptions, there are hundreds of possibilities for your company to choose and that can get confusing. We’re here to help organize a business insurance plan that makes sense for your company’s unique business needs, but we know you’d like to have an idea about what products and services you need. Below we have explained the differences between Commercial General Liability, Commercial Umbrella, and Business Owner’s Policies to help …

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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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