Beauty & Barber Shop Insurance | Get A Free Business Insurance Quote

March 24, 2012 by

Barber & Beauty Shop Insurance Program

At Colorado and Denver Insurance Services, we offer the most comprehensive insurance policies for beauty shops and barbers. We understand as a small business owner or operator, that the last thing you want to worry about is your insurance policy. What if tomorrow somebody were to slip and fall? Do you have enough coverages? What if the shop burned down overnight, do you have enough business personal property protection? Work with us so we can help the business owner make the right decisions on their policy.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • 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 Business & Commercial Insurance, Retail Store Insurance Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Authorized Progressive Insurance Agency | Car & Auto Insurance

February 12, 2012 by

Authorized Progressive Insurance Agency       1-(888)-270-0995  &  (303)-317-6841

We are an Authorized Progressive Insurance Agency located in Denver, Colorado. As independent agents and brokers, we offer some of the most competitive rates in the State. Work with one of our licensed experienced agents, and they will counsel you into a comprehensive insurance policy, that is best for you.

Progressive Insurance Products

  • Auto/Car Insurance
  • Sr22 Insurance
  • Commercial/Business Auto Insurance
  • Motorcycle Insurance
  • Snowmobile Insurance
  • ATV Insurance
  • RV Insurance
  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Landlord Insurance
  • Personal Umbrella
  • (EPLI) Employment Practices Liability Insurance
  • And More!

We Insure All Drivers

We insure anyone and everyone. This includes any where from a young driver, to drivers who have a DUI(s) needing sr22, to preferred drivers who have good credit and a clean driving record.

Coverages We Offer:

  • We can write-up to a half million dollar combined single liability limit.
  • We Offer up to $25,000 in medical payments coverage.
  • Under insured or uninsured motorists is available on all policies.
  • Comprehensive and collision coverage is available, with deductibles as low as 100 dollars.
  • Roadside assistance.
  • Lien/Lease Gap Coverage Available.
  • Uninsured Motorists Property Damage Available for “Liability Only” Policies.
  • $50 Deductible Glass Coverage Available.

Visit Our ProgressiveAgent.com Listing

To Visit our ProgressiveAgent.com listing 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 Progressive Insurance Quote!

To get a free Progressive insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Filed under ATV & Snowmobile Insurance, Auto Insurance, Boat Insurance, Business & Commercial Insurance, Car Insurance, Commercial Auto Insurance, Condo Insurance, Home Insurance, Homeowners Insurance, Landlord Insurance, Motorcycle Insurance, Renters Insurance, SR22 Insurance Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Distributors And Wholesalers Insurance | Get A Free Business Insurance Quote

November 18, 2011 by Leave a comment

Distributors & Wholesalers Insurance Program

We understand as a small business owner, your customer depends on you for goods and materials. This can be anywhere from roofing materials, office supplies, food and more. The last thing you need to worry about is your insurance policy. When you work with our agency, you won’t.

We offer superior insurance coverage, for all your insurance needs.  At our agency you will work with a licensed experienced agent, who will counsel you into a comprehensive insurance policy. The policy will be designed for your business. At our agency “good old-fashioned customer service”, still exists.

Classifications We Can Insure

  • Appliance Distributor
  • Automobile Parts Distributor & Wholesalers
  • Bakeries With & Without Cooking Distributor
  • Beverage Including Alcohol Distributors & Wholesalers
  • Beauty & Barber Shop Supply Distributors
  • Books, Magazines, News Paper Distributors
  • Building Materials Distributors
  • Clothing & Apparel Distributors
  • Craft Supply Distributors
  • Dairy, Eggs & Ice Cream Distributors
  • School Supply Distributors
  • Electrical Equipment Distributors & Wholesalers
  • Fabric Distributors & Wholesalers
  • Florists Distributors & Wholesalers
  • Fruit & Vegetable Distributors & Wholesalers
  • Gardening & Light Farming Distributors & Wholesalers
  • Gift, Novelty , Etc Distributors & Wholesalers
  • Glass & Glassware Distributors & Wholesalers
  • Golf Equipment Distributors & Wholesalers
  • Grocery Distributors & Wholesalers
  • Hardware & Tool Distributors & Wholesalers
  • Hearing Aid Distributors
  • HVAC Distributors & Wholesalers
  • Hobby Distributors & Wholesalers
  • Ice Dealers Distributors
  • Janitorial Supply Distributors & Wholesalers
  • Jewelry Distributors & Wholesalers
  • Kitchen Accessories Distributors & Wholesalers
  • Ladies & Girls Accessories Distributors & Wholesalers
  • Lamps & Lightning Fixtures Distributors & Wholesalers
  • Leather Goods & Luggage Distributors & Wholesalers
  • Leather Products Distributors & Wholesalers
  • Linen Distributors & Wholesalers
  • Meat, Poultry, Seafood, Food Distributors & Wholesalers
  • Mirrors Distributors & Wholesalers
  • Monuments & Tombstones Distributors & Wholesalers
  • Music Distributors & Wholesalers
  • Musical Instrument Distributors & Wholesalers
  • Office Furniture Distributors & Wholesalers
  • Optical Goods Distributors & Wholesalers
  • Paint & Wallpaper Distributors & Wholesalers
  • Pet Supplies Distributors & Wholesalers
  • Photographic Distributors & Wholesalers
  • Picture Frames Distributors & Wholesalers
  • Plumbing Supply Distributors & Wholesalers
  • Sewing Machine Distributors & Wholesalers
  • Sporting Goods Distributors & Wholesalers
  • Sunglasses Distributors & Wholesalers
  • Trophy Distributors & Wholesalers
  • Wall Paper Distributors & Wholesalers
  • Yarn Distributors & Wholesalers
  • And More! Call for details if not in list.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • 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 Business & Commercial Insurance, Commercial Auto Insurance, Distributors Insurance, Workman's Compensation Tagged with , , , , , , , , ,

Our Business Owners Insurance Policy

November 18, 2011 by 24 Comments

Business Owners Insurance Policy

Our Agency offers the industries superior and leading product. Our policies go above and beyond the standard. Don’t “cut corners” on your insurance policy. Get a Superior insurance policy at our agency, all at great prices. Work one on one with a licensed experienced agent, that understands insurance. He/she will counsel you into a policy that best fits your business.

Please take a look below, at our business owner policy. Disclaimer:  Not all businesses and risks will qualify for this program. Business Owners Policies can vary company to company. Please talk to an agent for details.

Property

Policy deductible applies to all the coverages below. We offer deductibles at 250, 500, 1000, 2500, 5000, 10,000 and 25,000 thousand dollars.

  • Business Income & Extra Expense 12 Months Actual Loss Sustained
  • Business Income & Extra Expense Dependent Property $10,000 Limit
  • Business Income & Extra expense Newly acquired property $250,000
  • Employee Dishonesty & Forgery $25,000
  • Expediting Expenses $25,000
  • identity Theft/Recovery services $25,000
  • Terrorism Insurance

The Following Coverages Apply At Each Location

Coverage

  • Appurtenant Buildings & Structures $50,000
  • Arson & Theft Reward $5,000
  • Civil Authority 4 Weeks & 24 Hours
  • Claim Data Expense $5,000
  • Fire Department Service Charge $25,000
  • Fire Equipment Discharge $10,000
  • Newly acquired Or Constructed Business Personal Property $250,000
  • Newly acquired Or Constructed Building $1,000,000
  • Non Owned Detached Trailers $5,000
  • Outdoor Property $10,000
  • Personal Effects $25,000
  • Personal Property Of Others (included in (BPP) Business Personal Property Coverage Amount Desired)
  • Pollutant Clean Up And Removal $25,000 Maximum Annually
  • Preservation Of Property BPP Included Limit 90 Days
  • Signs Included
  • Spoilage Coverage Included In BPP (Business Personal Property)
  • Temporary Location Of Business Property $50,000 up to 30 days
  • Glass Coverage
  • Theft Damage To Rented Property Included in BPP

Coverage

  • Inflation Guard
  • Business Personal Property(BPP) Including Inventory
  • Seasonal Increase 25%
  • Building And Structure Coverage
  • Business Personal property Off Premises $250,000
  • Debris Removal 25% + $25,000
  • Money & Securities included in BPP
  • Money Orders & Counterfeit Paper Included in BPP
  • Outdoor Trees & Other Plants $3,000
  • Equipment Break Down $250,000
  • Ordinance Of Law & Demolition $25,000
  • Accounts receivable $25,000
  • Electronic Data Processing including In Transit $25,000
  • Sewer & Drain Backup $25,000
  • Fine Arts $25,000
  • Targeted Hacker Attack $25,000

Liability

General Liability

  • Each Occurrence Up To $2,000,000
  • Personal & Advertising Injury Up Tp $2,000,000
  • Products Completed Operations Up To $4,000,000
  • General Aggregate Up To $4,000,000
  • Damage To Premises Rented To You $300,000
  • Medical Payments $10,000
  • Employment Practices Fiduciary $10,000

Additional Blanket Insured Included (Excluding Contractors)

Optional Coverages

  • Commercial Auto Insurance
  • Excess Liability Insurance
  • Workman’s Compensation
  • Cyber Liability Insurance
  • Liquor Liability
  • and more!

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.

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”.

Filed under Auto Service Repair Insurance, Business & Commercial Insurance, Condo & Apartment Building Insurance, Distributors Insurance, Financial Services Insurance, General Insurance, Hotel & Motel Insurance, Restaurant Insurance, Retail Store Insurance, Workman's Compensation Tagged with , , , , , , , , ,

Machine Shop Insurance | Get A Free Business Insurance Quote

November 5, 2011 by

Machine Shop Insurance Program

As a small business owner who owns a machine shop, you take, draw, design and build parts for customers with specific needs. Your skills are astounding at building some of the most complicated parts in the world. This can be any where from aerospace parts, to an old car part that they don’t make any more. You have the skills, the know how, and service to meet all customer needs.

Let us help meet your insurance needs with our comprehensive machine shop insurance package. Work one on one with one of our licensed experienced agents to get the coverage you need. Our machine shop insurance program is superior in the industry. It includes coverage above and beyond the industry standard.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • 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 Business & Commercial Insurance, Workman's Compensation Tagged with , , , , , , ,

Surveyors Insurance | Get A Free Business Insurance Quote!

November 1, 2011 by

We Offer The Industries Superior Insurance Product For Surveying

As a surveyor and small business owner, you know how important your job is. Clients count on you to get valuable information, so their construction job or any other project can be completed on time.

As national independent insurance agents and brokers, you can count on us for your insurance needs. We understand how important your insurance is. We work with multiple companies to accommodate all needs. You will work with a licensed agent, who will counsel you into a comprehensive insurance policy.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our companies insurance products. We know our policies have comprehensive coverage, that most insurance policies don’t. Take a look at a basic break down of coverages we offer.

  • General Liability
  • Building
  • Professional Liability/Errors & Emissions
  • Business Property
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • 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, 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 on 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, Contractors Insurance, Workman's Compensation Tagged with , , , , ,

Gymnastics Insurance | Get A Free Business Insurance Quote

October 29, 2011 by

We offer a full insurance package for Gymnastics. We can put together a comprehensive policy to cover all of insurance needs. This includes insurance coverage for your building, business personal property, loss of income, general liability, excess liability insurance, commercial auto, workman’s comp and more.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • 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 Business & Commercial 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 , , , , , , , ,

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

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