Business Owners Policy

The Importance of Additional Commercial Liability Insurance

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…

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Do I Really Need Pet Insurance?

Many of our clients have furry, four-legged, family members and ask us, “how important is pet insurance?”  We like to think that it is very important.  We love our pets and don’t want to think about how a vet bill could be a determining factor over whether we have to say goodbye to a beloved friend, however without pet insurance that is often the case.  To illustrate the necessity of our affordable pet insurance policies, let us tell you a true story of one family’s experience of an emergency veterinarian visit without pet insurance.

One morning, a teenage girl woke …

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Business Owners Policy: Your Team’s Star Player!

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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We Do More than Just Insurance, We’re a Notary!

While our primary business is selling insurance policies to individuals and businesses, we also offer notary services.  Below we have explained some of the basic notary duties that you may need from us.

Acknowledgment

When moving around in life, whether you are conducting personal or business, business, a notary may be required to formally declare or “acknowledge” that the signer of a document, often a contract, will, agreement to power of attorney, deeds, etc. has executed the signing of the document according to the following three requirements:

1) The signer understands the contents and purpose of the documents;
2) The signature …

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What is Inland Marine Insurance and Why Does My Business Need It?

Commercial Inland Marine Insurance is a special business insurance policy that provides additional coverage to your assets when they are not located at your physical business.  This coverage extends to tools, equipment, and products that are lost, stolen, damaged, or destroyed at a construction site, in storage, or during transportation.

Let’s say that you have to deliver your products to a client and your delivery vehicle is involved in an accident.  Your Commercial Auto Insurance Policy would help cover the damage to the vehicle and employees, your Worker’s Compensation Insurance would help the injured employees pay their bills while they …

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Back to School: College Insurance Needs

If you’re a parent who just dropped off their son or daughter for his or her first year of college, you may be curious to know what protections your existing policies provide and what you (or they) may need to add. Fortunately, we have a few quick tips that will help; however, we do encourage you to contact us with the specifics of your unique situation, so that we can give you the most accurate information.

Let’s begin by retracing your steps from home to the campus; did your child drive? More specifically, did your son or daughter bring a …

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Personal Umbrella Liability Insurance: Keeping You Dry

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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Identity Theft & Fraud are Lurking Behind Every Corner

As we mentioned in a blog post earlier this year, which you can read here, Colorado is ranked among the highest states for identity theft and fraud.  We also showed that anyone can be a victim of identity theft, even children, sometimes especially children; this is due to the fact that a child has a clean history, a thief can start to build credit and in a few years that social security number is ripe and ready to use to apply for some big loans.

The fact that over the past 14 years, the likelihood of becoming a victim of …

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Health Insurance: Learn Your Options

We at Insurance Town and Country offer a variety of health insurance options for individuals, families, and businesses.  This blog will be focusing on our private health insurance options, but you can find more about our group health insurance plans by clicking HERE.

There are several categories of health insurance plans and at Insurance Town and Country, we divide them into four general groups: copay plans, coinsurance plans, deductible plans, and health savings plans; and are explained below. The amounts charged for services under the following plans can vary depending on whether the insured uses a health care provider …

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Professional Liability Insurance: More than Malpractice

If asked to explain Professional Liability Insurance, you probably call to mind an image of a doctor making a mistake in surgery or a bookkeeper embezzling from a company, but these cases make up a very small portion of the Professional Liability claims that we process at Insurance Town and Country.  Many claims come from minor mistakes that occur when the obligations of a business get lost in the shuffle.

One example is if your company incorrectly files a customer’s information, in turn, failing to properly serve them.  Another example may be that an employee at an auto shop accidently …

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