Insurance

Professional Liability Insurance: More than Malpractice

Insurance /

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 …

Professional Liability Insurance: More than Malpractice Read More »

Are You Required to Offer Workers’ Compensation Insurance?

Insurance /

Every state has different laws with various requirements for workers to provide Worker’ Compensation Insurance to their employees.  In this article, we will be focusing on the requirements and exceptions of Colorado.  If your business is located in another state, you can find information about the Workers’ Compensation requirements of your state in an article from the NFIB by CLICKING HERE.

From the Colorado Department of Labor and Employment Division of Worker’s Compensation Employer’s Guide:

“All public and private employers in Colorado, with limited exceptions, must provide workers’ compensation coverage for their employees if one or more full- …

Are You Required to Offer Workers’ Compensation Insurance? Read More »

Commercial Property Insurance Keeps You on Track

Insurance /

Homeowner’s Insurance, Auto Insurance, and Renter’s Insurance, no one questions why these are important. Make sure you have Commercial Property Insurance for your business.

Commercial Property Insurance is vital to protecting your business from being put out of commission if something were to happen to the physical assets used by your business. These assets may include the building or buildings your company owns, the equipment inside and outside of those buildings, any signage that you have, and your inventory. Many Commercial Property Insurance policies can also include additional coverages, like:

Builder’s Risk: protects any materials or equipment from damage or …

Commercial Property Insurance Keeps You on Track Read More »

What to Do After a Car Accident

Insurance /

Immediately below is an Accident Checklist or “I Had a Car Accident, Now What?” Checklist.  Print it off and keep it in your glove box (along with a pen) to help you save time, money and a lot of headache after an automobile collision.

Car Accident Checklist

Before you have the opportunity to get into a collision, make sure that you have your Car Accident Checklist, a disposable camera, a pen, and a pad of paper in your glove box to document the damages to your vehicle.  Then you will be more prepared for when you get unexpectedly rear-ended in …

What to Do After a Car Accident Read More »

Are You Eligible for a Business Owner’s Policy?

Insurance /

All businesses are not created equal in the eyes of insurance companies, but fortunately for some, there is the Business Owner’s Policy, or “BOP.”

A Business Owner’s Policy is a type of business insurance policy that combines several different commercial insurance policies and policy additions into one convenient package that typically saves the company money and makes filing a claim easier. You can learn more about BOPs by reading our Business Owners Policy Page, HERE.

As the title of this blog suggests, not all businesses can qualify for a business owner’s policy. There are four categories of qualification that …

Are You Eligible for a Business Owner’s Policy? Read More »

What is Wedding Insurance and Why Do We Need It?

Insurance /

Weddings are fun and wonderful events, but sometimes they get a little too fun. Don’t let a rowdy guest ruin your honeymoon. Get Wedding Insurance for your big day!

There are two kinds of wedding insurance, Wedding Liability Insurance and Wedding Cancellation Insurance.  Either or both may be required by your chosen wedding venue, but both are very helpful when unforeseen circumstances arise.  Each is explained below, but you should contact an insurance agent with specific questions about either policy type.

Wedding Liability Insurance:

This, like other liability insurance policies, protects you from being held financially responsible for damage or bodily …

What is Wedding Insurance and Why Do We Need It? Read More »

Business Bonds: What, Why, and How!

Insurance /

Your company may need some kind of business bond or license, whether it is a performance bond, surety bond, or liquor license.  It is important to know your needs, so you can remain protected.

At Insurance Town and Country, our bond specialists offer several small business bond solutions that can serve a variety of needs.  To help you realize what those needs may be, we have listed our services and provided a short explanation of each option.  If you would like any additional assistance, we are happy to help; just call or email either of our offices with the information …

Business Bonds: What, Why, and How! Read More »

Summertime Means Business for Mobile Companies

Insurance /

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 …

Summertime Means Business for Mobile Companies Read More »

Insurance Dictionary: “Act of God”

Insurance /

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,…

Insurance Dictionary: “Act of God” Read More »

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

Insurance /

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 …

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

Scroll to Top