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 , , , , , , , , , , , , ,

The Liability Of Halloween Trick Or Treaters On Your Property

October 3, 2011 by Leave a comment

Halloween can be a great and fun time of the year. Those little pumpkins come to the door and say “Trick or Treat” and you give them all kinds of candy. Many Moms and Dads walk along with their children in gathering those little treats, and even sometimes grandmas and grandpas. As We all know they come on your property, ring your door bell and you give out goodies. The unforeseen threat is when the “trick or treaters” come  on your property, you could potentially be held liable for anything that could happen. This is if someone slips o falls, or any other type of “accident”. This could be if you are  a renter, homeowner or landlord. There are a couple of ways to prevent and protect yourself and we are going to explain what to do.

What To Do To Your Property To Prepare For Trick Or Treaters

  • Make sure there is a clear path from the street to your door. Make sure there is enough space for people to walk.
  • Have the area’s well-lit with light. This is so people can see clearly where they are walking on your property.
  • If its snows, shovel your driveway and walkways, and lay down salt. This is to prevent slip and falls.
  • Don’t have any hazards in the way or attractive nuisance’s.  This could be a hole you are digging in your lawn, or a pile of lumber or rocks in your yard.

Check Your Home Insurance Policy

Make sure your homeowners or renters policy has enough liability and medical coverage. We at least recommend having $5,000 in Medical Payments Coverage and having at least a $300,000 liability. Increasing these coverages will at most cost you an extra $50 dollars per year.  If someone sues you or there is a monetary judgement held against you due to an incident, your home insurance policy protects you.

If you take these basic steps it will assure a lot safer Halloween for you as a homeowner, and for your trick or treaters. Happy Halloween. If you have any questions or would like a quote, please contact us. Thanks for reading!

Filed under Condo & Apartment Building Insurance, Condo Insurance, Home Insurance, Homeowners Insurance, Landlord Insurance, Renters Insurance, Special Event Insurance Tagged with , , , , , , , , , , , , , , , , , , , , , , , ,

We Are Your Local Travelers Insurance Agents

October 1, 2011 by Leave a comment

Looking for a Travelers Insurance Agent? You are at the right place. We are appointed and represent Travelers Insurance and their products. Our agent code is 06×753. We are a full service National insurance agency. Here is a line up of products that we write-through Travelers.

  • Auto/Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renter’s Insurance
  • Landlord Dwelling Insurance
  • Landlord Condo Insurance
  • Personal Umbrella Insurance
  • Commercial & Business Insurance
  • And More!

We service the following area’s in Colorado:

Aurora, Arvada, Colorado Springs, Commerce City, Castle Rock, Denver, , Centennial, Englewood, Greenwood Village, Littleton, Northglenn, Thornton, Westminster, Wheatridge and more. Please visit this link for our map.

If you would like a quote, please contact us during normal business hours, or shoot us an email. Thanks for visiting our site!

Filed under Auto Insurance, Business & Commercial Insurance, Home Insurance Tagged with , , , , , , , , , , , , , , , , , , ,

We Are Your Local Safeco Insurance Agents

September 30, 2011 by Leave a comment

Looking for a Safeco Insurance Agent? You are at the right place. We are appointed and represent Safeco Insurance and their products. Our agent code is 05-3429. We are a full service National insurance agency. Here is a line up of products that we write-through Safeco.                Click here to see our Agent listing on the Official Safeco Insurance Website.

  • Auto/Car Insurance
  • Collector Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renter’s Insurance
  • Landlord Dwelling Insurance
  • Landlord Condo Insurance
  • Personal Umbrella Insurance
  • Commercial & Business Insurance
  • And More!

We service the following area’s in Colorado:

Aurora, Arvada, Colorado Springs, Commerce City, Castle Rock, Denver, , Centennial, Englewood, Greenwood Village, Littleton, Northglenn, Thornton, Westminster, Wheatridge and more. Please visit this link for our map.

If you would like a quote, please contact us during normal business hours, or shoot us an email. Thanks for visiting our site!

Filed under Auto Insurance, Business & Commercial Insurance, Home Insurance, Other Blogs Tagged with , , , , , , , , , , , , , , , , , , , , , , , ,

TAKE IT TO THE TOP

September 6, 2011 by Leave a comment

In today’s economy, we all need to “take it to the top”.  In the insurance business this could mean to insure all of your valuables in a well-written and comprehensive policy.  If you have valuable furs, precious jewels, diamonds, coins, or valuable stones, they need to be insured for market value or stated value.

As the insured, you should have endorsements and individual floaters to cover all of your valuables.  Don’t be afraid to “take it to the top” in adding coverage, even if it means increasing your premium.  You will be money ahead.  Let your insurance agent assist you in developing a policy that provides the right coverage for you.

Allow your insurance agent “take it to the top” in giving you the service and insurance you deserve.  We at Denvers Insurance do just that.  Let us give you a quote that will be reasonable and yet allow the proper coverage. 

Karen W. Schneider

Denvers Insurance LLC and the Ahbe Group

2833 South Colorado Blvd.

Denver, Colorado  80222

(303) 219-4985

 

 

Filed under Auto Insurance, Business & Commercial Insurance, General Insurance, Home Insurance, Other Blogs Tagged with , , , , , , , , , , , ,

What about you, have you had problems with personal slander or copyrighting an idea?

June 28, 2011 by Leave a comment

Most businesses advertise their products in order to make the sales they need for continuation.  But when advertising and when copyrighting a product, one must be careful to insure against another business intruding on your territory.  This could be considered an advertising injury which will be discussed below.

There is also the problem of libel and slander against a person which is called personal injury. There exists in the insurance business an Insuring Agreement where a policy provides protection for liability arising out of offenses such as libel and slander which is a personal injury.  A personal injury as distinguished from bodily injury includes false arrest, detention, imprisonment, malicious prosecution, wrongful entry, eviction, or invasion of privacy.

Advertising injury includes using advertising ideas in the wrong way or a style of business, infringement of another’s copyright, title, or slogan in the insured’s advertisement;  violation of privacy, as well as libel or slander.  The coverage of personal and advertising injury does not include the wrongful pricing of goods, or services;  insureds in the media, or as an internet search, access, content, or service provider;  and loss arising out of an electronic chatroom or bulletin boards the insured hosts or owns.

So to protect yourself, especially if you are a Professional, make sure you have a Personal and Advertising Injury policy set up an in insuring agreement.  This would be considered a Commercial General Liability coverage.

Contact us at Denvers Insurance (303) 219-4985 for more information and to ask any questions you may have.  We enjoy helping you.

Filed under Business & Commercial Insurance, General Insurance Tagged with , , , , , , , ,

Did You Hire An Employee Or An Independent Contractor

June 28, 2011 by Leave a comment

Before you go out and hire an independent contractor, or give the next 10-99 to your contractor, there are some things you need to know. Because that person might be an employee not an independent contractor. In this blog I am going to explain what the difference is. This is very important, because the last thing you need is government agency bullying you, and fining you.

What is an employee?

An employee is one who is scheduled specific hours by the employer and is required to work those hours.    This person  is eligible under certain requirements to benefits as designated by the employer.  An employee is eligible for sick leave, medical insurance, dental insurance, and 401Ks etc. through the employer.  An employee is also eligible for Workman’s Compensation if such need should arise.  The employer will pay the employee’s income taxes such as social security and state taxes.  Usually an employee is paid a salary or by the hour.

What is an independent contractor?

An independent contractor is one who works for an individual or company but is not scheduled or required to work certain hours.  An independent contractor is totally independent as to his or her work schedule and does not receive any form of benefits from the employer.  There is no Workman’s Compensation, no medical insurance, no dental or 401K eligibility.  An independent contractor is responsible for paying his or her own taxes such as social security and state taxes.  The most common form of compensation for the independent contractor is being paid by the job.

 

Filed under General Insurance, Workman's Compensation Tagged with , , , , , ,

Loss Of Business Income Insurance Coverage

June 27, 2011 by Leave a comment

In the event of a large loss, it is most likely a business will not be able to do daily operations. Sometimes a business is shut down due to a claim. This can be a couple of days, of even sometimes up to a year. Sometimes a loss can result from another loss. This is called an indirect loss. Such indirect loss could be losing business income from a big loss.  Since your business can no longer operate, it is only natural for this to happen.

What is business income loss insurance?

This coverage supplements your business income from an indirect loss, when a direct loss occurs and effects your revenue. This coverage is usually good for up to 12 months of lost income. Business income can be considered any type of revenue from daily operations. The insurance company has to indemnify all losses, but no profit can be gained from the insurance company. This unless it is apart of daily operations income.

Why is this so important to have on my insurance policy?

Incidents that result in business losses, can be unforeseen. If your operations are stopped due to an insurance loss, it is a must you  protect the businesses income. This simply can be done, by buying a business owners policy, that has loss of business income, included in it. Always make sure that this coverage is good for 1 full year.

Filed under Auto Service Repair Insurance, Business & Commercial Insurance, Condo & Apartment Building Insurance, Distributors Insurance, Fitness Center Insurance, Health Care Services Insurance, Non-Profit & Human Services Insurance, Outdoor Products Insurance, Restaurant Insurance, Retail Store Insurance Tagged with , , , , , , , , , , , ,

Thrift Retail Store Insurance | Get A Free Business Insurance Quote

June 20, 2011 by Leave a comment

 Today with the economy being what it is, more and more people are turning to thrift stores to buy clothing and goods for their families.  Thrift stores are finding themselves to be very busy with walk-ins daily averaging much more than two years ago.  That is why having an excellent insurance policy is a must.

At our National Independent Insurance Agency, we will take the time, to work with a business to accommodate its needs. Our agents are fully licensed and knowledgeable to create a comprehensive policy that is best for the client.

Our Business Owners Policy

Our policies are superior in industry standard. We believe cutting corners on an insurance policy, could potentially hurt a business owner if a claim were to occur. We provide superior coverage, all at a competitive rate. Here is a basic break down of coverages we offer.

  • General Liability
  • Building
  • Business Property and Inventory
  • Crime Coverage
  • Employee Dishonesty
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Equipment Break Down
  • Outdoor Signs
  • Accounts Receivable
  • Newly Acquired Building
  • 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 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, Retail Store Insurance Tagged with , , , , , , , , , , , , , , , , , , , , , , , ,

← Older posts

Newer posts →