Hospice Insurance | Get A Free Business Insurance Quote

Hospice Insurance Program

Hospice operations involve providing care for the seriously ill or terminally ill patients. These symptoms can be physical, emotional, or psychosocial. Hospice care focuses on bringing comfort, self respect and tranqulilty for peoples last years or months of life.  Patients’ symptoms and pain are controlled and managed. Goals of care are discussed and emotional needs are supported. The idea behind a Hospice is that the end of life is not a medical experience. Its a human experience that benefits from expert medical and holistic support.

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 at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Workman’s Compensation
  • Products Liability
  • Abuse & Molestation Coverage available
  • Excess Liability Limits Available
  • Special causes of loss on building, contents, loss of income, and extra expense.

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-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.

Home Health Care Insurance | Get A Free Business Insurance Quote

Home Health Care Insurance Program

Home Health Care Companies provide on site, in home care for patients. These include licensed personel such as Doctors, Nurses, Physicians any other type of medical professionals. They provide services at a patients home, apartment or everwhere else they might live. The goal for home health care is to provide treatment for illness or injury. Examples of treatment could be wound care, physical and occupational therapy, speech therapy, patient and caregiver education, injections, and more. In home visits could be as little as once a week, all the way to once a day.

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 at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Workman’s Compensation
  • Products Liability
  • Abuse & Molestation Coverage available
  • Excess Liability Limits Available
  • Special causes of loss on building, contents, loss of income, and extra expense.

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-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.

Home Medical Equipment Dealers Insurance | Get A Free Insurance Quote

Home Medical Equipment Dealers Insurance Program

Home medical equipment dealers provide home delivery of medical devices, goods and supplies. This can be anywhere from wheel chairs, patients lifts, heart monitors and other important medical devices. Operations could include company vehicles for deliveries. Operations might also include websites or call centers for orders and customer service.

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 at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Products Liability
  • Abuse & Molestation Coverage available
  • We can write all lines with one company.

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-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.

Hunting Preserve Insurance | Get A Free Business Insurance Quote

Hunting Preserves Insurance Program

Hunting preserves engage in multiple activities. This can be anywhere from Trap & Skeet, Sporting Clays, Turkey, Deer, Elk, Wild Hog and Exotic Game Hunting. Other hunting activities can include bird and water fowl hunting. Operations may also offer guided and unguided Fishing Tours on lakes, rivers or streams. Small watercraft might be involved in the operation.

Some operations might have a pro shop or retail shop. Sales could include ammo, guns, rods, lures, gear, food, beverages and other items. Operations could also provide a restaurant for dining. The operation might also provide kenneling for Dog training. Some operations might have large pens where quail, pheasant, partridge and hens are raised for release.

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 at a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Low Minimum Premiums
  • A multi-line program that can include special events
  • Sponsored tournaments are covered
  • Competitive Rates
  • Non-Audited Policy
  • Coverage for Birds Available
  • Coverage for Dogs in the Insureds Care, Custody & Control
  • Auto Coverage for transportation of guests
  • 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-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.

Paintball Operations Insurance | Get A Free Business Insurance Quote

Paintball Insurance Program

Paintball is a great fun activity filled with lots of exercising and thinking. Two teams are put against each other in competition. This can either be indoors or outdoors, with different types of terrains and obstacles. Players shoot small balls of paint at each other, using a variety of paintball guns that are available on the market.

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 at a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • 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-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.

Bowling Center Insurance | Get A Free Business Insurance Quote

Bowling Center Insurance Program

Bowling Alleys are a great place for family & friend Recreation and competitive bowlers. Bowling centers can provide other entertainment too. Such as Pool tables, Darts, Video Games, Laser Tag and other activities. Bowling centers may provide league play and other competitive activities.

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 at a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Accounts Receivable
  • Liquor Liability Coverage available
  • Blanket Limits with large in-house capacity
  • Special causes of loss on building, contents, loss of income, and extra expense
  • Employee Theft coverage up to $25,000
  • 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-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.

Why An Evacuation Plan & Being Prepared Is So Importortant

As an insurance agent for the past five years, I have been through experiences and have seen a lot of things that have made me more wise.   My job has been to insure people against the unforseen. To help them protect their families, lives, wealth, assets and property.  I see things a lot differently these days since starting my agency. Being an insurance agent has taught me a lot about risk management. I’ve  also learned a great deal outside of my work too. This has all changed my perspective in life over the years.

On September 11th, 2001, our world in the United States was turned upside down. We were attacked by terrorist in ways never even seen before. Tragically about 3,000 people were lost their lives.   Some lost lives  by jumping out of the towers, because they couldn’t escape.  Everyone’s security bubble was popped, and people woke up to see the times we live in to be crazy.   People were scared and I’ll admit, so was I.  At this point no one was truly “safe” any more. No one truly understood what had happened but it did  pull a lot people back into reality. It made us realize how delicate modern-day society can be, and just how precious life is.  This event created a lot of questions for myself over the past years.  It did for a lot of people.  It made me think deep and hard.  It made me draw the conclusion:   always be prepared for anything, and always keep a positive attitude for the best.

This past year in Colorado alone, we have seen hundreds of homes damaged or completely destroyed by wildfires. Lives were lost.  Colorado has been extremely dry in 2012, and this has sparked a condition for wildfires to break out. This occurred throughout the entire state. Then it happened. Wildfires broke out all over the place at different times of the year. They included, the Little Sand Fire, The Treasure Fire, Weber, Waldo and Flagstaff,  Lower North Fork, The High Park, Springer, Woodland, Last Chance, Ironing Board and Pine Ridge.  These wildfires have easily exceeded over $500,000,000 in damage and lives were lost.

The Waldo Canyon Fire that occurred in Colorado Springs was, in my opinion, almost unbelievable. Colorado Springs is just about an hour south of Denver. Colorado Springs is a small city. According to a 2010 Census, over 400,000 people live in the city. Metro Colorado Springs  includes around 650,000 people. They have small skyscrapers, and the city is wealthy. 

This modern, wealthy city faced wild-fire perils on the west side of the town that were unthinkable t starting  from June 23rd until the end of August. This was the quote “suppose to never happen”. Even though the west side of Colorado Springs is close to the Rocky Mountains and is in wild-fire area, the thought of the Waldo Canyon Fire getting that big and moving that far into a modern city, was truly “unthinkable”. Even with all the modern-day fire equipment, people, planes and tactics, the fire at times was quote “almost unstoppable”.

These are just two events in modern history, where “hell” literally broke out and caused havoc. Once caused by man, the other by nature. Most people were unprepared. They were to complacent. They also had the attitude of “it’ll never happen to me”. I know it’s extremely hard to prepare for a plane crashing into a skyscraper, and the same could be said about a wildfire literally breaking out in the middle of a city. But I believe situational awareness, planning, mindset and other factors can go a long way.

What happens when a fire fighter knocks on your door and says, “you have 10 minutes to leave”?. What if it’s not even a wildfire threatening your life, but something else. What if it is a terrorist attack? What about a flood? What if there is civil break down and unrest and there is no rule of law? There are many scenarios. And if you are one of those “it will never happen” people, look to the past. History will prove my point.

Everyone should have a plan. Unfortunately not many people do. Your plan needs to include all possible aspects and possibilities. Wildfires, floods, tornadoes, earthquakes, civil unrest and disorder and any other possibilities which are unique to your situation and geographic area need to be considered.   For example,  if you live off the beach in California, you probably won’t have to worry about sitting out a week-long winter in your house. But you would have to worry about earthquakes.

Here are some of my tips on creating a plan. This also comes from more that just my experience in insurance.

  1. You need to scout and brainstorm all scenarios of all possibilities in your area. For example If you are in a flood area, your plan should be based off not just one,  but many possibilities.
  2. Build your plan. The plan should include all family members, no matter where you  are at.(work, school, etc) Have a meeting point A, B, C and etc. This will let you reunite with family, especially if one of the family members gets mixed up in all the havoc.
  3. Include your family, friends, neighbors and whoever else you can trust in you plan.
  4. Have bug out bags. If you need to get out in 5 minutes, you have to be out in 5 minutes! Everyone should have a bug out bag in the family. For more info on bug out bags, Google it! There is a ton of info out there on them.
  5. Be ready to possibly bug in. If you have civil unrest and there is no rule of law, don’t go far from Dodge!  Best thing is to turn into a ghost.
  6. Be prepared with supplies! If you’re not, and if there is an emergency, grocery shelves will be empty. Just google about empty grocery shelves on you tube during Katrina. There are plenty of peppers on you tube that can give you good advice. I am not saying to have 5 years worth of food, but a good back up supply won’t hurt. Don’t forget other things, such as extra fuel, propane, candles, medicine, communication, maps and etc.
  7. Be able to protect you and your family. Yes, have some sort of defense plan. As we all know the gun is a great equalizer. I personally think a Gun is your best defense. If you don’t like guns, have something else! When thugs are looting your neighbor and every single cop is busy in the city, the only law left is between you and the thugs. When they get to your house, you don’t want you or your family to be victims.
  8. Have locations B and C as bug out locations. Maybe the city has become unsafe and now its time to get out of Dodge. You, family and friends all need to know these locations. It wouldn’t  hurt to have location D. This can be very important for reuniting later on.
  9. There are many more tips out there for being prepared and having a plan. In my opinion, there is no such thing as doing something wrong. A lot of it is personal preference. Go out and do more research. Find what is best for you.

So all in all, be prepared and have a plan! Don’t forget the 5 basic needs of survival. Water, Food, Shelter, Fire(heat) and Security. The last position you want to be in are like the unprepared people from Hurricane Katrina in 2005. No water, no food, no nothing. You wouldn’t also want to end up in the New Orleans Super Dome of lawlessness.  You never know what might be around the next corner or what lies in the future. Don’t be a “it’ll never happen to me” person. Because when the Calvary can’t come rescue you, it’ll be just you and your family, friends and neighbors. The best thing is always to be prepared for the worst and hope for the best.

Home Insurance Rates Have Gone Up In Colorado

A lot of consumers have been getting their home insurance renewal statements lately and have been going into shock!!   Home insurance rates in Colorado have gone up on average about 10 to 15% and in some areas 40%.  These consumers can thank the tremendous amount of property losses taking place in the year 2012.  These losses are from wind and hail that we received in the summertime and wildfires that have been going on since the beginning of the year.

These wildfires include the Little Sand Fire, The Treasure Fire, Weber, Waldo and Flagstaff,  Lower North Fork, The High Park, Springer, Woodland and Last Chance, Ironing Board and Pine Ridge.  These wildfires have easily exceeded over $500,000,000 in damage, though the number not official, wildfires alone could reach eight to nine hundred million.

The state on top of all the wildfires also received a large amount of wind and hail.  During the  months of May, June and July, Colorado received a large amount of wind and hail.  This took place throughout the state of Colorado.

These losses eventually get passed onto the consumer one way or another, either by requiring 1-2% wind and hail deductibles or the consumer has seen insurance rates going up.  Some companies are even requiring that you package your auto and home and especially your rental property.  Companies are going towards or already have requiring that you package all your insurance products with them. The standalone home or landlord insurance policy is more than likely going to go away in Colorado.

If you are one of the consumers who is getting non-renewed or your home insurance rates have spiked, or if you are having problems getting any type of insurance on your home or auto, gives us a call.   As brokers we have multiple sources and can bundle your insurance needs.

Sources: –Rocky Mountain Insurance Information Association

Wikipedia

Length Of Yellow Lights Could Prevent More Accidents

According to Hesham Rakha, The Director Of Sustainable Mobility at the Virginia Tech Transportation Institute, has conducted research that supports the idea of longer yellow lights at intersections prevents more accidents. Since 2005 he has been doing research on driver’s behavior on yellow lights. The researchers goal is to determine yellow light signal times for intersections that are safer and still efficient.

If a driver decides to slam on the breaks at an intersection during a yellow light, it could cause a rear end accident. If a driver decides to proceed, it could cause an accident with side street traffic. More than 20 percent of motor vehicle accident fatalities, occur at intersections.

“If the yellow time is not set correctly, a dilemma zone is eminent,” Rakha said.

“The dilemma zone occurs when the driver has no feasible choice,” he said. “In other words the driver can neither stop nor proceed through the intersection before the light turns red. This can also occur if the approaching vehicle is traveling faster than the posted speed limit and/or if the driver’s perception and reaction time is longer than the design one-second value.”

Overall Hesham Rakha research will most likely lead to a lot of states, cities and municipalities adopting the new yellow light traffic timing. To read more about his reasearch, please visit this link. This is going to overall lead to fewer accidents and less injuries and deaths. Not only is this great for the community, it will also be good for your pocket-book too.

If there are fewer accidents, injuries, property damage and deaths from motor vehicles accidents in your zip code, it will drive down the cost of insurance on all sides. Not only on Comp and Collision, but also on liability too. With less insurance losses in your area, the cheaper your insurance is going to be.

Sources: (Virginia Polytechnic Institute and State University)

Insurance Journal

Your Credit Score & Getting Auto & Home Insurance

Insurance companies require a lot of information these days. One of them is your social security number and getting an insurance score. An Insurance score is acquired by looking at your credit report. Even though there are no points taken away for this inquiry, it will affect the price of you insurance overall.

Why Look At Credit?

Studies by regulators, universities and independent auditors show that someones credit score, is a strong and indisputable way to determine if someone is going to file an insurance claim in the future. It’s also proven by personal experience at my insurance agency, Someone with a higher credit score is always going to get a lower premium. They also file a lot less claims from what I have seen too. Insurance companies also report that 2/3 of their clients get a lower rate, due to credit. So overall people with good credit like other things, will receive a better price and favoring.

Am I Going to Pay A really High Rate, Because I Have Bad Credit?

No. Just because someone has bad credit, doesn’t necessarily mean they are going to get ripped off. With our agency being independent, if one company has a higher rate due to credit, we will shop with another that doesn’t. There are companies who specialize in insuring people with bad credit. They always usually have a more competitive rate versus  the ones who don’t. It would also be a good idea to try to clean up your credit. There are many ways to do this. That way you don’t have worry about this in the future.

What Is An Insurance Score?

An Insurance score is obtained by looking at your credit report. It is not considered a credit check, nor are any points taken away. The reason is because you are not trying to truly obtain credit and insurance is pre-paid. Some insurance companies might look at all 3 bureaus, some might just look at 1. Once an Insurance Score is received, it is used as one of many factors, in determining someones insurance premium.

What If I Try To Hide My Credit From An Insurance Company?

“So I know I have bad credit, is trying to hide from the insurance company going to get me a better rate?” The answer is No. As a matter of fact when an insurance company can’t find someones credit, they are automatically going to tier you in the worst Insurance score in their system.(this is not reported to the 3 bureaus.) For example if an insurance company uses an A to Z insurance score platform, you will be placed as a Z. So honesty is the best way to go.

Will An Insurance Company Still Get An Insurance Score, Even Though I Don’t Give them My Social Security Number?

Yes, they will most of the time. They do this through you first, middle and last name. They also do this by using your address, date of birth, previous address and other factors. It is also clear to the agent our company, if an Insurance Sore is received. If one is not received, the system will clearly notify that there was “no-hit”.