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 , , , ,

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

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

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

The General PGAC Indepedent Insurance Agent In Denver, Colorado

October 3, 2011 by Leave a comment

Looking for a Local PGAC agent? Look no further because we are exactly that. We are appointed agents. Click HERE to see our local listing on PGAC’s website.

Call us for a free quote @ 303-219-4985

About PGAC

They Insure most cars and drivers
Permanent General specializes in “non-standard” or “specialty” auto insurance, which is auto insurance for people who are quote “high risk”. This includes relatively drivers that are new to the auto insurance market, or who have been dropped by their former insurance carrier because of their driving records. PGAC also offers Sr22 filing.

They Offer Low down payments, convenient monthly payments
They offer low down payment options to every policyholder coupled with convenient monthly payments plans if you so choose. In most cases they combine their budget-sensitive plans with electronic verification of driver information and vehicle information when the customer is buying the policy so there are no surprises in the future. They also offer payment by credit card or check online.

Quality Claims Handling and Customer Service
Policy holders receive top notch service. PGAC claims department are focused on serving the customer to complete the client to satisfaction. Many questions and needs can now also be resolved online.

Financially Stable
A.M. Best recognizes PGAC financial strength and stability with a A – “Excellent” rating

Filed under Auto Insurance, SR22 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 , , , , , , , , , , , , , , , , , , ,

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