Snow Plow Insurance & Snow Removal Insurance- Denver, Colorado

October 23, 2011 by

We offer the industry’s top notch insurance products for small and mid-sized businesses who are involved in snow removal. We put together a comprehensive policy that fits your business needs.  Work with one of our agents one on one so we can put together an elite insurance policy with you. We insure all operations involved in snow removal. This includes all the way down to you or your employee shoveling side walks, laying down salt operating equipment and more.

Coverages We offer:

Commercial Auto Insurance: Includes auto liability, medical payments, uninsured or under insured motorists, physical damage and more.

General Liability: Covers you are your workers while on work site, from any potential incidents.

Excess Insurance: Need more coverage than just the standard million dollar limits? We offer up 1 to 5 million in excess liability in most cases.

Workman’s Compensation: Protect you and your employees while you are on the job site or any admin’s in office.

To Get A Free Quote call Mark A. Schneider at 1-(888)-270-0995 or email him at mark@denversinsurance.com, or use the quick form. He will provide valuable one on one insurance counseling to find the policy that is best for you.

Filed under Business & Commercial Insurance, Commercial Auto Insurance, Outdoor Products Insurance, Workman's Compensation Tagged with , , , , , , , ,

Auto Body, Service, And Repair Insurance | Get A Free Business Insurance Quote

October 22, 2011 by

Auto Service & Repair Insurance Program

If you are a small business owner with a body shop, dealer ship, repair shop and more, we have all fixes for your insurance needs.  We have a superior insurance package designed for all auto service & repair. We offer personalized service with licensed experienced insurance agents. Our agents will work with you to find an insurance policy, that uniquely fits your business. What if you were sued for a slip and fall? What if one of your technicians damaged a clients car? Will your insurance policy cover this? Our agents help answer these questions.

Contact us at 1-888-270-0995 during normal business hours or click here to fill out our quick form.


Classifications We Can Write
  • Antique Classic Car Restoration
  • Antique Classic Auto Sales & Repair
  • ATV, Golf Carts, Scooters & Electrical Cars Sales & Service
  • Auto Auctions
  • Auto Body Shops
  • Auto Dealers – New & Used
  • Auto Detailers
  • Auto Repair
  • Auto Salvage Yards
  • Bed liner Installation
  • Boat Dealers & Repair
  • Breathalyzer Installation
  • Car Wash’s – Also Full Service
  • Consignment Auto’s
  • Drive-way Contractors
  • Electronics Installation
  • Emergency Vehicles Sales & Service
  • Gas Stations- Including Full Service
  • Heavy Trucks Dealers & Repair
  • Horse Trailer Sales & Service
  • Machine Shops
  • Mobile Auto Repair
  • Mobile Mechanics
  • Mobility Equipment Sales & Installation
  • Motorcycle Sales & Service
  • Non Franchised Used Car Dealers
  • Oil & Lube Shops
  • Parking Lots & Garages
  • Garage Keepers
  • Roadside Assistance
  • RV Dealers & Repair
  • Small Engine Repair
  • Tire Dealers Sales & Service
  • Tow Truck Operators
  • Towing Accounts
  • Truck Stops
  • Tractor Sales & Service
  • Valet Parking
  • Welding Shops
Coverage’s That We Offer
  • Garage Liability
  • Garage Keepers Legal Liability
  • Dealers Open Lot
  • Business Personal Property
  • Inventory Coverage
  • False Pretense
  • Broadened Coverage Garages
  • Auto Physical Damage for scheduled units
  • Additional Insured
  • Medical Payments
  • Fire Legal Liability
  • Uninsured or under insured motorists
  • Personal Injury Protection
  • Garage Property
  • Loss Of business Income
  • Accounts Receivable
  • And more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Filed under Auto Service Repair Insurance, Business & Commercial Insurance, Commercial Auto Insurance, Workman's Compensation Tagged with , , , , , , , ,

Special Event Insurance And Wedding Insurance

October 22, 2011 by

Looking for Party or Event Insurance? We offer the industries Superior product for special events.  Work with an agent one on one to find the best policy to fit your needs. Insurance is complicated. Buying Party and Event Insurance online, is a bad idea. We will give you counseling, to help you make the best decision for your event. You don’t get this online. Take a look at some of the products we offer below.

Types Of Event Insurance

We offer insurance for county fairs, weddings, concerts, festivals, anniversaries, bar mitzvahs, auto shows, antique shows, garden shows, birthday parties, conventions, fundraising dinners, family reunion, haunted house, Hotel parties, dog, cat and animal shows, retirement parties, sweet sixteen parties, carnivals, flea markets, speaking engagements, pageants, swap meets, exhibitions, pumpkin patches, corn mazes, Christmas Tree lots, New years Eve Parties, seminars and more!

How To Get A Quote

Call Mark Schneider at 1-888-270-0995. Or Click Here, to fill out our online quick form. He will work with you one on one to to create a comprehensive insurance policy for you. You can also check out our Facebook Page.

Companies We Use

We Use Travelers and Philadelphia Insurance for all standard risks. We use Genesee General to write all of our non-standard events and parties. All of our Companies are “A” rated or higher.

Filed under General Insurance, Special Event Insurance Tagged with , , , , , , , ,

Check Out Our New Event And Party Insurance Page On Facebook

October 18, 2011 by Leave a comment

Please see our event and party insurance page.

Click Here To See Our Page And Become A Fan!

Filed under Other Blogs, Special Event Insurance Tagged with , , , ,

Why When Shopping Auto Insurance, You Are Asked About Your Previous Insurance?

October 18, 2011 by Leave a comment

When shopping for auto insurance, you have to provide a lot of information. The reason for this is  an insurance company needs to properly assess you as a risk, and to find a car insurance policy that is best for you. The questions an  insurance company asks is to assist in  pre-qualifying an insurance policy.  At this time, a good insurance agent will take time to make sure your coverages are adequate for what you need.

To explain why insurance companies and agents ask this information, we are going to explain in a Question & Answer format.

Do You Currently Have Insurance?

Answer: Helps assess risk of driver. Statistics show people who have previous insurance are a lower risk to insure than someone without insurance.  If you have previous insurance, you will most likely get a better rate.

How long have you had insurance with the current company?

Answer: Drivers who have maintained insurance for a long period are a lower risk to insure. Its is proven that people who stay with their previous company for a long period also stay with a new company for as long.  Drivers with 3 years with the same company are going to get the best discount.

What company are you with?

Answer: The agent or company needs to know if you are with a standard company or a non-standard company. Naturally a standard driver, with a standard company, is less risky to insure. Therefore they will most likely get a better rate.

What are your current liability limits?

Answer: People who are underinsured are a  higher risk to insure. If you don’t carry at least 100/300 liability limits or higher, your current policy is lacking coverage.  If you carry 100/300 or higher, you are less of a risk to insure, therefore you will most likely get a better rate.

Overall,  insurance companies ask these questions as a determining factor on how they will set up an insurance policy and how much premium needs to be charged. If you have had continuous insurance for 3 years with 100/300 limits or higher with the same company, you are going to be a prime risk when shopping around on auto insurance. If you would like an auto insurance quote, please contact us.

Filed under Auto Insurance, SR22 Insurance Tagged with , , , , , , , , , , ,

Limousine And Party Bus Insurance (Transportation For Hire Insurance) Limo Insurance

October 12, 2011 by

Limo & Party Bus Insurance

Looking for limousine or party bus insurance? Look no further. We are a full service National insurance agency. As independent insurance agents based in Denver, Colorado, we are fully licensed to handle all of your transportation for hire insurance needs.  This includes limo’s of all kinds, party buses, sedan’s, and all other types of vehicles. Have a big fleet? No Problem we have markets that will insure your business.

Transportation For Hire Insurance Highlights:

Liability: Get up to 1 Million dollars in commercial auto insurance liability or more. Excess insurance is available.

Under insured or Uninsured Motorists coverage: Protect your clients and employees from drivers who don’t carry auto insurance.

Medical Payments Coverage:  Provides protection for driver and passengers in at fault accidents.

Physical Damage coverage

  • Collision: Covers damage done to a vehicle from at fault accidents, not at fault accidents and uninsured motorists. A 1000 dollar deductible is the most standard option.
  • Comprehensive: Covers damage done to a vehicle from wind, hail, vandalism, theft, riots and hitting an animal.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Filed under Business & Commercial Insurance, Commercial Auto Insurance, Special Event Insurance Tagged with , , , , , , , , , , , , , , , , , , ,

Can A House Or Apartment Fire, Damage A Foundation?

October 12, 2011 by Leave a comment

Concrete is used  in many parts of a home or building. This includes the foundation, barriers, support beams and other structures. Concrete is also used as a fireproofing, due to its low thermal conductivity. In a substantial fire, concrete can weaken and sometimes must be replaced. This is the reason why insurance companies account for a foundation, when insuring a building or dwelling.

Facts of Concrete Being Exposed To Fire

Up to 300 °C(572F),  the concrete undergoes regular thermal expansion. Above that temperature, shrinkage occurs due to loss of water. Aggregate continues expanding, which causes internal stress. Up to about 500 °C, the major structural changes are carbonation and coarsening of pores. At 573 °C(1063F), quartz undergoes rapid expansion due to Phase transition, and at 900 °C(1652F) calcite starts to shrink due to decomposition. At 450-550 °C(842 to 1022F) the cement hydrate decomposes, producing calcium oxide. Calcium carbonate decomposes at about 600 °C(1112F). Rehydration of  calcium oxide on the dropping temperture of the concrete causes expansion. This can cause damage to the concrete which sustained the fire without falling apart. Concrete that has experienced a fire and left standing for several years shows extensive degree of carbonation and deteriation.

The Temperture of a house or apartment fire.

  • A House or Apartment Fire can exceed 1100F is 3 1/2 minutes.
  • The Heat from a fire can spread to any room. These temperatures can reach over 300F without an active fire in that room.

Overall if concrete of any sort is exposed long enough to fire, it could cause little or even a lot of damage. This can be a concern, due to the fact that the foundation supports the dwelling or building and supports a lot of wait. A Structural  or Civil engineer can determine if a foundation is safe or not.

Sources:

http://www.fairviewok.org/id71.html

http://en.wikipedia.org/wiki/Concrete#Leaching

Filed under Condo & Apartment Building Insurance, Home Insurance Tagged with , , , , , , , , , , , , ,

SO HOW ARE YOUR TIRES REGARDING THE WINTER MONTHS AHEAD?

October 4, 2011 by Leave a comment

We all have to prepare for the winter months ahead and now is a good time to get started.  One of the most important ways to prevent an auto accident is to have good tires on your car.  If you have a blowout because of a bad tire, this can cause an accident and not only damage your car but others as well.

Check your tires, are they bald, do they need to be rotated, are they out of balance, do you need a rotation, or do you need new tires because of normal wear and tear?   People usually wait until something happens before they invest in new and good tires.  But the fact is, good tires can prevent a lot of accidents. 

According to the National Highway Traffic Safety Administration (NHTSA), at least 400 people lose their lives every year due to tire failure or bad tires.  There is another factor, rubber starts to break down as it ages.  There is a CODE on the side of the tire that starts with DOT that tells the age of the tire.  Check this to make sure your tires are not getting too old.

With the snow coming, do you have “all weather” tires or do you have the tread needed to fight the snow?  With your destinations, do you need chains at times?   Mud and Snow tires are ideal for most conditions, but the more chronic conditions could require chains, especially in the mountains.

Let your tires be the cushion to safety and security for you.  Invest in a good set of tires if you don’t already have them.  They could save your life or someone else’s.  With slippery, icy and wet conditions, it is hard to get around with a set of bald tires.  Don’t let this happen and be prepared for the season.   

Don’t wait until it snows to invest in a good set of tires.  Do it now, beat the crowds and set yourself up for a good winter season.  Your insurance premiums will go up the more you have accidents.  Try not to have to use your insurance and have a good set of tires.  Should you have any questions or need a free quote, please call us.

Filed under General Insurance Tagged with , , , , , , , , , , , ,

HOW THE BEAUTIFUL COLORS OF FALL CAN AFFECT YOUR RISKS ON YOUR PROPERTY

October 4, 2011 by Leave a comment

So you look out your window and see a tree changing colors from red to orange to yellow to light green or you see a bush that is covered in red.  What a beautiful display of color our earth offers us during the month of October.  That tree in your front yard is sprayed with a beautiful array of red and orange that is breathtaking.  If we take a trip in the mountains we see landscapes of rivers reflecting the colors of the trees and a wonderous view of color delight.

Fall colors are at their peak right now, but after their show we start to see leaves fall to the ground.  These leaves eventually clutter and cover our lawns with a blanket of debris.  that debris can become a hazard for not only appearance purposes but for people walking onto your property.  Those little piles of leaves left on the walkways can get wet and become slippery and troublesome for people who don’t see them.  The piles of debris of leaves can become a hazard just waiting for an accident to happen.  Here are a few tips for you to adhere to in order to prevent accidents during this beautiful and colorful season.

Make sure your walkways are clear of the leaf debris and piles of leaves.  Have your driveways and walks well lighted so people can see where they are walking.  Clear all debris and leaves from the lawn so walkers on don’t fall, and clean all leaves from your front door especially.  Clean all areas of your lawn and walkways you feel someone might enter to prevent any type of accident. 

When it snows or rains, leaves tend to become ugly and slippery.  Make sure to shovel your walks and driveway so people don’t fall from the slippery leaves. 

Leaves are usually less harmfull  than a lot of other hazards, but when they clutter together, they can become a strong hazard.  It becomes your liability as a homeowner when people fall.  Make sure your homeowners policy carries good liability coverage.  Don’t allow accidents to happen by keeping your home’s walkways safe from accidents.  If you have any questions, please don’t hesitate to call us for a free quote or information.

Filed under General Insurance Tagged with , , , , , , , , , ,

Halloween Parties And Your Home Insurance

October 3, 2011 by Leave a comment

Halloween is one of the most favorite times of year.  All kinds of events happen on this day, including Halloween Parties.  You will have your friend John dressing up like a giant banana and Suzie dressing up like Little Red Riding Hood.  Some people are going to have Halloween Parties this year.  Here are some things to think about before you host your Halloween Party at your home.

  • Make sure before hosting a party that you have a clear path from the street to your door.  Make sure there are no potential tripping hazards or delinquencies that could cause a slip and fall.  If you have snow on Halloween shovel your driveways, walkways and lay down salt in order to melt ice.
  • Make sure to confine your pets not only because people can trip and fall over them but you don’t want your pet to run away or get hurt.
  • Make sure all areas where people are going to be walking including dining room, living rooms, sidewalks, bathrooms and dens are well lit so people have a clear view of where they are walking.
  • Do not use open flames.  Even though this is a party killer, do not light candles because people have the tendency to knock them over and start a fire.  Use the electrical lights for your candles and your jack-o-lanterns.
  • If you are serving food, make sure that perishables don’t sit out too long.  You do not want your guests to get sick from food you serve.
  • If you are planning to serve alcohol, make sure you don’t serve your guests too much, and make sure they have a way home.  This can be a Taxi Cab or assign a designated driver.
  • Test all safety devices including fire alarms if applicable, test smoke detectors, and make sure your fire extinguisher is up to date.

In conclusion, a renter, a homeowner and a landlord can be potentially held liable for any incidents or accidents that occur on a property.  Make sure your homeowners, renters or landlord policy has enough medical payments liability coverage and premises liability coverage.  We recommend at least $5,000 Medical Payments and $300,000 liability coverage on homeowners. Also make sure that you homeowners doesn’t have an exclusion for liquor being served.  If you have any questions or would like a quote, please feel free to contact us.

Filed under Condo Insurance, Home Insurance, Homeowners Insurance, Landlord Insurance, Renters Insurance Tagged with , , , , , , , , , , , , ,

← Older posts

Newer posts →