Liquor Store Insurance | Get A Free Business Insurance Quote

November 4, 2011 by

Liquor & Wine Store Insurance Program

As a business owner, we understand that you are in a competitive business. You constantly stride to meet customers needs in inventory and service. You know if you don’t take care of the customer, someone else will. We believe the same thing out our agency, as a matter of fact we believe in “good old customer service”.

If you are in the business of selling liquor or wine, we have offer a comprehensive insurance policy for your business. This can be any where from the small “mom & pop shops” to mid and large-sized operations. Our agents take time to put together comprehensive insurance policies, that fits the business needs. What if you were to get sued for a slip and fall? Do you have the right coverage? Our agents help answer these questions.

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
  • Liquor Liability
  • 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, Retail Store Insurance, Workman's Compensation Tagged with , , , , , , ,

Catering Insurance | Caterers Insurance | Get A Free Business Insurance Quote

November 4, 2011 by

Business Insurance For Catering Companies

As a small business owner, your clients rely on you for food & beverage service. This can be for weddings, ceremonies and other very important special events.  Whatever the occasion, a catering company goes to great lengths serve the most delicious, beautiful and cuisine selections.  Business owners stride to provide good service, and an excellent experience.

Protect your catering company with the right insurance policy.  If you have employees, make sure your workman’s comp insurance is designed to fully cover employee liability. If there is spoilage of food, you have to make sure you have the right coverage.

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
  • Spoilage Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • Liquor Liability
  • and more!

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

Catering Truck Insurance

If you have a catering business that is always on the road, we can put together a comprehensive insurance package for this. Please contact us for any questions about this. This includes commercial auto, general liability, inventory coverage, workman’s comp and more.

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, Contractors Insurance, Special Event Insurance, Workman's Compensation Tagged with , , , , , , , , , , , ,

Apparel & Clothing Store Insurance | Get A Free Insurance Quote

October 29, 2011 by

Fashion is a passion. Customers count on apparel stores to have the latest and greatest fashion. Business owners take time to figure out trends and what is best for their business.

That’s why we take time to figure out what policy will be best for the business. What if you were to have a fire that completely wiped out inventory? Or you had a slip and fall, do you have enough coverage? As an independent insurance agency with National Power, we can help you answer those questions.

At Colorado & Denver Insurance Services, we can insure a wide range of apparel stores. This includes your “mom & pop shops” to medium and large-sized operations. You will work one on one with an agent to find whats best for your needs.

Superior Coverage Offered

Our policies are usually written under a “BOP”, or a business owners policy. Not only does this include the basic coverages, but it also includes other coverage such as loss of income coverage, sewer back up, accounts receivable and more.

Operations We Can Insure

We offer apparel store insurance for all kinds of retail shops. We insure stores that sell hand bags, shoes, bridal gowns, tuxes(tuxedo’s), hats, infants and children’s clothing, uniforms, hosiery, watches, leather apparel and others types of apparel & clothing. If you don’t see your business here, we most likely, can still insure it.

We Customize Your Policy to Fit Your Business Needs

Operations can come in all sizes and shapes. We have all you needs covered. We will take time to tailor a policy that fits your needs the best. Here is an overview, of some of the 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

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

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, Commercial Auto Insurance, Retail Store 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 , , , , , , , , , ,

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 , , , ,

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

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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