Tag Archives: Insurance Quote Castle Rock Insurance Castle Rock

Plan for a Healthy 2016 with Great Health Insurance!

health insuranceThis year you’re going to do it!  You’ve made your resolutions and you’ve already hit the gym a couple of times, but you’re not in the greatest shape.  You’re in a vulnerable position where you could easily overwork yourself, strain a muscle, or hurt yourself on one of the machines you’re not quite sure how to use.  Not to mention that it’s super cold and icy, what if you slip and fall on the ice or get sick because your immune system is compromised?  How are you going to pay to visit the doctor?  Let us help.

Insurance Town & …

health insuranceThis year you’re going to do it!  You’ve made your resolutions and you’ve already hit the gym a couple of times, but you’re not in the greatest shape.  You’re in a vulnerable position where you could easily overwork yourself, strain a muscle, or hurt yourself on one of the machines you’re not quite sure how to use.  Not to mention that it’s super cold and icy, what if you slip and fall on the ice or get sick because your immune system is compromised?  How are you going to pay to visit the doctor?  Let us help.

Insurance Town & Country offers several flexible health insurance policies that fall into various plan categories.  Each type of category has its pros and cons, but we’re sure that there is one that meets your needs and fits in your budget.  The coverage definitions are listed below, read over the short description of each and contact us at either of our locations listed below for a more in-depth assessment of your needs to find the plan that makes sense for you.

Copay – The copay is the amount of money the insured must pay out of pocket for a particular visit or service.

Coinsurance – Coinsurance means that the insured pays a certain percentage (usually 20% or 30%) of the total cost of medical care. A coinsurance plan may or may not be combined with a copay provision.

Deductible – The deductible is the amount that the insured must pay before the plant starts paying. These plans always cover preventative care services even before the deductible has been reached. A wide range of deductibles are available, depending on whether the coverage is for an individual or family.

Health Savings Account – Health Savings Accounts (HSA) must accompany a high-deductible plan. Participants qualify for a tax deduction on the money they deposit in the account. Preventive care is always included in these plans without having to reach the deductible first.

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
Phone:
303-388-7216                                                 Phone: 303-688-1251
Email:
contact@insurancedenver.net                        Email: contact@insurancedenver.net

Merry Christmas from Insurance Town & Country!

Merry Christmas to all of our friends, family, clients, and strangers!  This December 25th is about much more than exchanging gifts.  It is the day Insurance Town & Country, celebrates the birth of Jesus Christ.

This holiday season we at Insurance Town & Country want to do more than just wish you a Merry Christmas and Happy Holidays.  We want to thank all of our clients for their business and we want to encourage those of you who are not clients, to give Insurance Town & Country a chance to earn your business.  We wish all of you the best …

Merry Christmas to all of our friends, family, clients, and strangers!  This December 25th is about much more than exchanging gifts.  It is the day Insurance Town & Country, celebrates the birth of Jesus Christ.

This holiday season we at Insurance Town & Country want to do more than just wish you a Merry Christmas and Happy Holidays.  We want to thank all of our clients for their business and we want to encourage those of you who are not clients, to give Insurance Town & Country a chance to earn your business.  We wish all of you the best in 2016!

Warm regards,

Joan, Jeremy, and the whole Insurance Town & Country Team

Group Health Insurance: The Perfect Gift for Your Employees

The holiday season also means that it’s flu season. High stress, cold weather, and family gatherings make a perfect storm of germs attacking the weakened immune systems of your employees. If you’re employees are sick, it’s best that they can afford great care and stay out of the office while they are on the mend. The next month is prime time for employees to start requesting additional hours, working overtime, and coming in when they should probably just stay home so that they can save up for Christmas gifts. While your workers have good intentions when this happens, it will …

The holiday season also means that it’s flu season. High stress, cold weather, and family gatherings make a perfect storm of germs attacking the weakened immune systems of your employees. If you’re employees are sick, it’s best that they can afford great care and stay out of the office while they are on the mend. The next month is prime time for employees to start requesting additional hours, working overtime, and coming in when they should probably just stay home so that they can save up for Christmas gifts. While your workers have good intentions when this happens, it will likely lead to less productive employees and consequently worse customer service and a lower bottom line.

We recommend providing employees with great health insurance options. If your workforce isn’t afraid that getting the necessary medical care and prescriptions will be too expensive, they will be more willing to seek out treatments and preventive care that will keep them healthy, productive, and present at work. Contact us at either of our locations below to discuss your current insurance policies, your company size and the level of care you want to provide. Our Commercial Insurance Specialists will work with you to find a plan that fulfills your needs and fits your budget; after all, an investment in your workforce truly is the gift that keeps on giving.

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
Phone:
303-388-7216                                                 Phone: 303-688-1251
Email:
contact@insurancedenver.net                        Email: contact@insurancedenver.net

This Thanksgiving be Thankful for Great Insurance

As you join your family and friends around the dinner table this Thanksgiving and give thanks for all you have, we want you to feel safe knowing that your belongings and loved ones are protected. The holidays are packed with love and excitement, but they can sometimes lead to a number of insurance claims. Below we have described some of the most common holiday insurance claims and linked to more information about the policies that we provide which protect against those kinds of claims. We hope that you don’t need to make a claim with us this holiday season, but …

As you join your family and friends around the dinner table this Thanksgiving and give thanks for all you have, we want you to feel safe knowing that your belongings and loved ones are protected. The holidays are packed with love and excitement, but they can sometimes lead to a number of insurance claims. Below we have described some of the most common holiday insurance claims and linked to more information about the policies that we provide which protect against those kinds of claims. We hope that you don’t need to make a claim with us this holiday season, but we’re always glad to know that you are protected if you do. Contact us at either of our locations listed below if you have any questions regarding any new or existing policies.

Auto Insurance Claims: Worsening weather, darker evenings, and holiday stress lead to a lot of automobile collisions. Whether you hit an ice patch in the road or get struck by a drunk driver, a good auto insurance policy can help get you back on the road without taking presents from under the tree.

Health Insurance & Life Insurance: As we mentioned in Auto Insurance Claims, a lot of people experience holiday stress. This could come from the anxiety of hosting Thanksgiving Dinner for your family, exhaustion from working a seasonal part-time job, or even the depression of not being able to make it home to see your loved ones. In any case, this increased stress can lead to serious medical issues that require hospitalization and in some cases result in death. We offer Health and Life Insurance Policies that can help keep your family protected from possible bankruptcy due to a head-of-household illness or death.

Homeowner’s Insurance: Big meals and exuberant decorations, both of these are fire risks. Deep fryer fires, Christmas tree fires, or knocking over the Menorah, our traditions can leave our homes in an unfavorable position during the late months of the year. Additionally, strong winds, extreme cold, and other severe weather can do a lot of damage to your house. Finally, if you are travelling for the holidays your house is at risk for burglary and theft, without sufficient Personal Property Insurance you may be left out in the cold if your presents end up under someone else’s tree.

 

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
Phone:
303-388-7216                                                 Phone: 303-688-1251
Email:
contact@insurancedenver.net                        Email: contact@insurancedenver.net

Great Business Insurance for Denver and Castle Rock

At Insurance Town & Country, we pride ourselves in our customer service.  Our customers are our friends and family, they are our neighbors and the members of our professional groups.  It is our relationship with our customers, our relationship with you that drives us to work harder to make sure that your insurance policies work for your growing business.  Below we have listed several of our popular business insurance policies with a short explanation of their purposes.  If you have any questions or would like to discuss the insurance needs of your small or medium business, please contact us at …

At Insurance Town & Country, we pride ourselves in our customer service.  Our customers are our friends and family, they are our neighbors and the members of our professional groups.  It is our relationship with our customers, our relationship with you that drives us to work harder to make sure that your insurance policies work for your growing business.  Below we have listed several of our popular business insurance policies with a short explanation of their purposes.  If you have any questions or would like to discuss the insurance needs of your small or medium business, please contact us at either of our locations listed below.

  • Commercial Property Insurance
    • Protects your Building and Business Personal Property.
  • Commercial General Liability
    • Prevents major financial losses if your business is sued or held legally responsible in the event of bodily injury or property damage.
  • Commercial Auto Insurance
    • Provides a diverse and extensive set of policies to protect the mobile parts of your business, including their cargo.
  • Business Owners Policy (BOP)
    • Combines various coverage options into one convenient package for more benefits than a typical business insurance policy and better savings through competitive pricing.
  • Inland Marine Insurance
    • Protects your mobile equipment and tools while not on your premises from theft and damage, including during transportation or at a different location.
  • Commercial Umbrella Insurance
    • Provides additional coverage for your business for a variety of situations including accidental injuries, libel, slander, or invasion of privacy, company vehicle accidents, and more.
  • Workers Compensation
    • Covers the expenses that originate from an employee being injured on the job, including medical expenses/treatment and the replacement of lost wages from injury time off.
  • Crime Insurance
    • Protects your business against crime and employee dishonesty.

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
Phone:
303-388-7216                                                 Phone: 303-688-1251
Email:
contact@insurancedenver.net                        Email: contact@insurancedenver.net

Veteran’s Day: Respecting Our Military Families

Veteran’s Day can raise several emotions for different people,  pride, patriotism, and honor, are a few that come to mind; but for many families with loved ones deployed overseas, Veteran’s Day is a reminder of the fear and uncertainty of the safety of their sister, father, cousin, son, best friend, or significant other.  In America, we are fortunate to have a diverse population who celebrate this holiday in their own unique way.

Everyone at Insurance Town and Country wants you to thoughtfully experience Veteran’s Day this year.  Whether you make the time to speak with your loved ones based far …

Veteran’s Day can raise several emotions for different people,  pride, patriotism, and honor, are a few that come to mind; but for many families with loved ones deployed overseas, Veteran’s Day is a reminder of the fear and uncertainty of the safety of their sister, father, cousin, son, best friend, or significant other.  In America, we are fortunate to have a diverse population who celebrate this holiday in their own unique way.

Everyone at Insurance Town and Country wants you to thoughtfully experience Veteran’s Day this year.  Whether you make the time to speak with your loved ones based far away, volunteer or donate to veteran support group, or just spend time appreciating the beautiful parks, towering skyscrapers, and museums filled with art and history that American Veterans have risked their lives to provide unto you, please keep the brave men and women of our military in your thoughts today.

Thank you to all of the members of our armed forces for your service and valor.  We invite you to stop by either of our locations and tell us about American History… Tell us Your Story.

Forever in gratitude,

Joan, Jeremy, and the Insurance Town & Country Team

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
Phone:
303-388-7216                                                 Phone: 303-688-1251
Email:
contact@insurancedenver.net                        Email: contact@insurancedenver.net

Insured for the Holidays: Fire Insurance

Every year we hear about fires that happen over the holidays.  Since it is the beginning of the holiday season with Halloween having just passed and Thanksgiving right around the corner, we need to discuss the importance of making sure that you completely thaw out your turkey before attempting to deep fry it.  The ice and cold water WILL REACT with the hot oil and can cause an explosion!

Fortunately, you don’t have to test this theory out.  Our friends at the City of Danville, Kentucky Fire Department have put together a video that shows just how a grease fire …

Every year we hear about fires that happen over the holidays.  Since it is the beginning of the holiday season with Halloween having just passed and Thanksgiving right around the corner, we need to discuss the importance of making sure that you completely thaw out your turkey before attempting to deep fry it.  The ice and cold water WILL REACT with the hot oil and can cause an explosion!

Fortunately, you don’t have to test this theory out.  Our friends at the City of Danville, Kentucky Fire Department have put together a video that shows just how a grease fire can occur when deep frying a turkey.  Please take the time to watch this video and then contact us about your homeowner’s policy and your fire insurance coverage by using the information provided below.  Please share this video with your friends and family as well.  If it could save a life, it’s worth sharing.

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
Phone:
303-388-7216                                                 Phone: 303-688-1251
Email:
contact@insurancedenver.net                        Email: contact@insurancedenver.net

Stay Afloat with Flood Insurance

There has been some misinformation about who can qualify for flood insurance circulating and we would like to correct these rumors.  Anyone can get flood insurance.  It does not matter if you are inside or outside of the “flood plain.”  However, the cost of your insurance policy will be affected by your susceptibility to flooding.  So, if you are in the flood plain, you can expect your policy to cost more than if you lived outside of the flood plain.  There are two types of flood insurance coverage, “Building Property” and “Personal Property.”  We have listed the differences below.

Building …

There has been some misinformation about who can qualify for flood insurance circulating and we would like to correct these rumors.  Anyone can get flood insurance.  It does not matter if you are inside or outside of the “flood plain.”  However, the cost of your insurance policy will be affected by your susceptibility to flooding.  So, if you are in the flood plain, you can expect your policy to cost more than if you lived outside of the flood plain.  There are two types of flood insurance coverage, “Building Property” and “Personal Property.”  We have listed the differences below.

Building Property flood insurance coverage can be purchased to cover up to $250,000 in damage and insures the physical structure of your home or other buildings.  This policy covers repairs and replacements to:

  • The building and its foundation
  • Electrical and Plumbing Systems
  • Refrigerators, stoves, and built-in appliances
  • Permanently installed paneling, wallboard, cabinets, and bookcases
  • Permanently installed carpeting over an unfinished floor
  • Central air conditioning equipment, furnaces, and water heaters
  • Debris removal

The second type of flood insurance coverage is “Personal Property” coverage.  This kind of policy covers the cost of damage to belongings that are not related to the structure of your home or other building up to $100,000.  Items that fall into this category include:

  • Personal belongings such as clothing, furniture, and electronic equipment
  • Washers and dryers
  • Curtains
  • Portable window air conditioners
  • Portable microwave ovens
  • Carpets not included under building coverage

There are some items and costs not included in either of these flood insurance coverage types. These consist of:

  • Property and belongings outside of a building such as trees, plants, wells, walks, decks, etc.
  • Most self-propelled vehicles such as cars, boats, RVs, and 4-wheelers
  • Currency, precious metals, and valuable papers
  • Living expenses such as temporary housing or food

If you are concerned about your home or possessions being damaged or destroyed by flooding, please contact us so that we can discuss your needs and get you a quality flood insurance policy that makes sense for your situation.

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
Phone:
303-388-7216                                                 Phone: 303-688-1251
Email:
contact@insurancedenver.net                        Email: contact@insurancedenver.net

As we fall into Autumn, Start Preparing for Winter Insurance Needs

Many small businesses face drastic challenges as winter begins to rear its ugly head.  For mobile companies like food trucks and taxis, snow and ice create a much more hazardous work environment.  It’s also the beginning of cold and flu season, meaning that your employees could use a comprehensive health plan to keep them on their feet and in the office.

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 …

Many small businesses face drastic challenges as winter begins to rear its ugly head.  For mobile companies like food trucks and taxis, snow and ice create a much more hazardous work environment.  It’s also the beginning of cold and flu season, meaning that your employees could use a comprehensive health plan to keep them on their feet and in the office.

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 policies and a short description of how it is intended to protect you and your business.  So if its Additional Property Liability to cover icy slip and falls or Inland Marine Insurance to make sure your transported inventory is covered, we’ve got a plan for you.

If it sounds like something that might benefit your company, click on the link to learn more and then shoot us an email at contact@insurancedenver.net or give us a call at 303-388-7216.  We’ll be happy to explain policies in more depth and  provide you with a free quote.

  • Commercial Umbrella Insurance
    • Provides additional coverage for your business for a variety of situations including accidental injuries, libel, slander, or invasion of privacy, company vehicle accidents, and more.
  • Inland Marine Insurance
    • Protects your mobile equipment and tools while not on your premises from theft and damage, including during transportation or at a different location.
  • Business Owners Policy (BOP)
    • Combines various coverage options into one convenient package for more benefits than a typical business insurance policy and better savings through competitive pricing.
  • Commercial Auto Insurance
    • Provides a diverse and extensive set of policies to protect the mobile parts of your business, including their cargo.
  • Commercial General Liability
    • Prevents major financial losses if your business is sued or held legally responsible in the event of bodily injury or property damage.
  • Commercial Property Insurance
    • Protects your Building and Business Personal Property.
  • Workers Compensation
    • Covers the expenses that originate from an employee being injured on the job, including medical expenses/treatment and the replacement of lost wages from injury time off.
  • Crime Insurance
    • Protects your business against crime and employee dishonesty.

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…

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. This kind of liability coverage is traditionally associated with bars, restaurants, and nightclubs, but legal responsibility extends to many businesses outside of those industries. If your company holds a celebration at which liquor is served, your company may be held liable for damages incurred at the party, as well as if an individual is overserved and causes a car accident as a result of intoxicated driving.
  • Concession Liability insures your special event stand, booth, or display from damage, accidents, or accidental injuries sustained to pedestrians. If your company participates tradeshows, local festivals, or any other special event, you should consider investing in concession liability insurance. Without this type of policy addition, your company could be responsible for paying medical bills and covering the cost of property damage to others and yourself in the event that your company’s event stand causes or incurs damages or injury.
  • Foreign Liability protects your company’s employees in the event of injury, damages, and lawsuits during out-of-country business trips. If your company requires international travel of any kind, its employees may not be familiar with the laws, customs, and even design of foreign countries, possibly increasing the likelihood of an incident. It is important to ensure that your commercial liability policy coverage extends to protect your employees and assets in the event that something happens, such as an employee injuring themselves and damaging a company laptop by plugging in the American charger into a British electrical plug.

It is important to remember that there are several more types of liability coverages, so it’s important to speak directly with an Insurance Town and Country Commercial Insurance Specialist about the specific needs of your business. If you are concerned that there may be gaps in your company’s liability coverage, give us a call at 303-388-7216, shoot us an email at contact@insurancedenver.net, or request a quote online. Let our Commercial Insurance Specialists work with you to find the policies that your business needs.