Why Independent Insurance Agents Matter

When young teenagers become adults, it is important to understand the basics of making realizing how vital a safety net is. Insurance is our way of accruing cushion just in case we ever have to deal with the worse case scenario. However, our modern era allows us to have more control and options.

While it may not seem like a major luxury, we are quite lucky to be in this position. Being able to choose your own independent insurance agent is one of the most beneficial options we have. Each state has its own guidelines and stipulations regarding insurance policies. The best choice is to have an expert agent help you with those decisions.

In today’s society, people are becoming more aware of government and politics. With the current presidential candidate season in full swing, health insurance in particular is a major discussion at each speech. This is a monumental development phase in our society. What we do now will affect us today and future generations.

Independent insurance agents matter because they play a major role in protecting our rights. The factors that solidify the latter statement include going against conventional wisdom and professional advocacy.

Residents of Colorado have endured multiple natural disasters over the past decade. Alliance Insurance Services assist a multitude of areas in the state of Colorado. Being protected with a reputable independent insurance agent is a major priority. Congress still believes in conventional wisdom ideology of the 1950’s and earlier.

While they are not wrong for believing in those philosophies, majority of that advice simply does not apply today. When we experience worse case scenarios independent insurance agents are able to be our legal protector and provide professional advice at the same time. Review all of the agents that are available. Setup a time with them to where you can have a full discussion. Ask them questions about their overall experience and experiences with your specific needs. It is their duty to make sure you are covered and insured in the best way possible. There are never too many questions in this scenario.

 

5 Small Business Risks You Can Avoid With Commercial Insurance

Alliance Insurance Services works directly with you to determine what risks your company faces and then helps you to customize insurance policies to meet those risks. What are the most common small business risks? Take a look at these and then talk to us about how commercial insurance may minimize the financial losses associated with these risks.

  1. Business interruption occurs when an incident, such as fire or severe damage, stops you from operating your business. Your commercial insurance policy may help to cover your loss of income during this time.
  2. Property loss occurs when an unexpected event, such as a fire or vandalism comes through, and is generally covered by your policy. Protect your inventory and equipment with this type of insurance as well.
  3. Workplace injuries can lead to costly losses due to medical costs, lost time and work, and long-term injuries. Workers compensation insurance can help cover these losses, minimizing the risk to your company.
  4. Security breaches are a growing threat in many businesses. Cyber insurance can help protect from these losses including data compromises that put your data or that of your customers’ at risk.
  5. Liability risks related to falls and product failures can also hurt a business financially. Commercial insurance often offers liability insurance that covers these particular risks.

At Alliance Insurance Services, our team can help you to determine what your specific risks are and how to overcome them with comprehensive coverage. Customized plans are the most important step you can take as a small business owner to protect from unexpected and impossible to plan for losses. Contact our team today to discuss your specific needs and risks and let us help you to find the level of coverage right for your company.

Witness A Car Accident? Here’s What You Can Do

Do you know what you should do if you witness a car accident? There are quite a few things that you should do to keep yourself safe and help the victims. By being a first responder, you can make a dramatic impact in the lives of the people who are involved in the accident.

Call 911

Call 911 immediately. Don’t assume anyone else has called because it could be what everyone has done. Tell the operator where the accident is and what has happened. Try and be as detailed as you can while talking in a calm manner.

Secure Your Own Car

Secure your car at least 100 feet from the accident, on the side of the road.

Secure the Other Cars

Try and secure the other cars involved. This can be done by putting the cars in park, turning off the ignitions, and even getting them onto the side of the road.

Check on the Victims

Check on the victims and let them know that help is on the way. If people can get out, encourage them to do so. Don’t try and move anyone who cannot move themselves because it could make an injury worse. You also never want to admit fault to anyone, even if it is to calm a victim.

Leave a Statement

You witnessed the accident and therefore the police are likely to have questions for you. Answer as thoroughly and honestly as possible. If for any reason you are unable to stay until help arrives, leave your contact information with the victims so the police can follow up as necessary.

Call and talk to one of our agents at Alliance Insurance Services today. We can guide you through the ways to help at a car accident, find affordable quotes for you in Arvada, and much more.