RV Insurance Basics

Residents of Arvada, CO are required by state law to carry RV insurance if their RV is registered. This includes insuring an RV for liability at the legal limits set forth for bodily injury per person and per accident and to cover property damage. 

It is possible that your car insurance policy will protect a towable travel trailer to an extent, but an RV insurance policy will provide much more protection against situations that may arise. By definition, travel trailers must have a cooking and sleeping area and will be non-motorized. To qualify as an RV, a vehicle must be motorized, have cooking appliances, electricity, a refrigerator, air conditioning, heating, drinkable water, and a bathroom. 

Optional insurances

You can purchase comprehensive coverage to help pay for costs associated with damages that are not caused by an accident, including theft or fire, and collision coverage assists with expenses related to an accident. This is an important type of indemnification that many RV owners will choose, because RVs can be significantly more costly than a regular vehicle. 

Vacation liability protection is another type of insurance that will cover costs that are the result of injuries incurred in your RV when it is being used for vacation purposes. This is similar to a property insurance policy that you would carry on your home, and it also tends to protect against property damage as well. Drivers can also carry roadside assistance that helps them while they are on the road and are experiencing mechanical issues. 

Alliance Insurance Services Provides RV Insurance

Alliance Insurance Services has faithfully served the Arvada, CO area and can help you with all your RV insurance needs. We invite you to contact us with any questions you may have, and we look forward to doing business with you. 

Deciding on a Motorcycle

Several types of motorcycles exist, but it depends on your skill level and personal preference, which one is the best. Knowing the difference between the various types of bikes will help you make a decision about which one you’d prefer. No matter what type of street bike you choose, it requires insurance from a company like Alliance Insurance Services serving Arvada, CO, and the surrounding area. 

Standard Bike 

A standard bike doesn’t offer all the bells and whistles. It keeps the rider in a more upright position, which feels more like a natural sitting position. Typically, a standard bike is less expensive than other types of bikes. It’s best suited for new riders because if an incident should occur and it accrues a few knicks from laying it down, you won’t be as upset. 

Touring Bike 

A touring bike is designed for long-distance rides. If you plan on taking your bike site seeing or want to enjoy long, leisurely rides, these motorcycles are the most comfortable. Touring bikes have larger engines, higher fuel tank capacities, more storage space and extra wind and weather protection. These bikes tend to be larger and keep you in a more natural sitting position. They’re easier to handle than a cruiser, but they’re not the best for beginners. 

Sports Bike 
Sports bikes are compact motorcycles that are designed for speed. Usually, a sports bike has a light body, high-performance engine and better braking and suspension. These bikes have easier handling, more aerodynamic features, and higher foot pegs. The power and speed of these bikes make them less fuel efficient than most bikes. 

Sports Touring Bike 
A sport touring bike has less weight than a touring bike but still has the same storage space as one. They handle turns and curves more like a sports bike, though. 

Cruiser Motorcycle
Cruiser motorcycles, also known as choppers, are usually custom bikes. You’re placed in a stretched forward position. Usually, the handlebars are positioner up high. You don’t usually have to shift as much with a cruiser. Less ground clearance, means these bikes are harder to handle around curves. 

Whichever bike you choose needs insurance, and Alliance Insurance Services, serving Arvada, CO and the surrounding area, can help. Contact us today at 303-431-9351 to get a quote.

Increase Your Bottom Line by Increasing Your Protection

Owning a business can be a rewarding but also risky endeavor. Litigation against a business can be crippling blow that some businesses never recover from. Properly protecting your business is paramount to ensuring that your bottom line stays healthy. Here are few of the most common law suits faced by business owners and how you can avoid them.

Employee Litigation

Legal action taken by unhappy employees is becoming more and more common. Although there is no sure-fire way to avoid this ever happening, employers can take certain steps to make sure their employees feel content and safe in the workplace. Implementing a zero-harassment tolerance policy will help cut down on the instances of harassment complaints and help all of your employees understand the code of conduct expected.  

It is also helpful to make sure that discipline and termination policies are clearly understood. Employers can protect themselves from unjust dismissal cases by making sure that all employee discipline is well documented and that the dismal process is very clear and very well documented.

Keeping a clean, safe work environment will also protect you and your employees from unnecessary risk and injury. Having quarterly safety checks and education updates for yourself and your employees will help everyone stay on track to maintaining a safe environment.

 Immigration Issues

Employers should strictly abide by Federal law concerning employees who are not US citizens. In the event of an immigration audit employers who are not abiding by Federal law can face harsh fines and consequences.

Injured and Dissatisfied Customers

Protecting your business with effective liability insurance is necessary in the event that a customer is injured on your property. In addition to that error and omission policies can protect your business if a customer is dissatisfied with your company’s performance in some way.

To discuss other ways you can protect your business call one of our friendly agents today at Alliance Insurance Services serving the Arvada, CO area.

Discharged Service Member?: Check Your Life Insurance Policy!

At Alliance Insurance Services Agency we most whole heartedly thank all of our service members for their service to our country. As you leave your tour of duty and ultimately the armed services and rejoin the civilian ranks we want to ensure that you are considering your life insurance needs. Let’s face it this is a major life event – leaving the service – and you have put your life on the line for your fellow man. If you reside in Arvada, CO or in the neighboring cities, please come in today to discuss what this milestone means for your life insurance. 

The level (rank) and duration of your time with the armed services will greatly influence your civilian benefits. Though this will be discussed with you as you leave it is a chance you will not retain a lot of information as regards your life insurance coverage. It is a great idea to visit a Veteran’s Administration Center to learn exactly what life insurance coverage you know own as you adjust to civilian life. 

If you need insurance coverage consider the following important factor:

  • Do you want a policy to only pay for your end of life expenses – funeral or final hospital stay costs, credit card or loan debts (term) or would you want a policy that builds cash value and could be used toward other life expenses that you may incur down the road (whole life). We can fully discuss both options.  

Alliance Insurance Services in Arvada, CO endeavors to deliver the very best insurance products to our clients. If you are already a part of the Alliance family or are considering joining us, contact us today to learn how together we can take care of insuring you and your family on every level of liability. 

How often should you have a home insurance audit performed?

In Arvada, CO, the agents of Alliance Insurance Services perform several services to help their clients maintain the right amount of insurance coverage for their home, auto, and business. One of their most popular services is known as a home insurance audit. Audits can also be performed on automobile and commercial policies as well.

What Is An Insurance Audit?

An insurance audit is a review of your current policy compared to what your coverage needs are. The insurance agent will check to see if you have made any significant purchases over the last one or two years that would require you to upgrade your policy. You may also have sold or gotten rid of possessions that you no longer needed. Although it’s important to audit your policy every one or two years, you should also request an audit if you have done any remodeling or home improvements.

Why Is It so Beneficial?

A home audit is essential if you have made substantial upgrades to your home or possessions. If you do not re-evaluate and upgrade your policy to include home improvements or the purchase of high-end furniture or electronics, you may not have the coverage you need to protect yourself from financial loss. Whether you are upgrading or downsizing, auditing your policy will make sure you are paying for only what you need.

If you live in or around the Arvada, CO area and have questions about your home insurance, call the agents of Alliance Insurance Services and schedule a home insurance audit. They will be able to answer any questions you may have and help you find the right policy that will serve your needs without going over your budget. 

What are the differences between PL/PD, Collision, and Comprehensive Auto Insurance?

Residents who live in Arvada, CO can turn to the agents of Alliance Insurance Services to learn more about the different types of automobile coverage that are available. PL/PD, collision and comprehensive can be confusing if you don’t know what each one covers. It’s important that you speak to a licensed insurance agent to ensure you have the right type of coverage for your vehicle and your lifestyle. 

PL/PD

PL/PD refers to personal liability and property damage. This type of insurance covers losses (both property and injury) incurred by other people due to an accident where you are at fault. It does not cover damages to your own vehicle or cover the cost of any injuries you may have received.

Collision

Collision insurance covers damages to your vehicle that were caused by a collision. Collision insurance does not cover your medical expenses, nor does it cover damage to another person’s car or truck. Collision insurance does not apply to any damage caused by any non-traffic related accidents.

Comprehensive

Comprehensive insurance is a requirement if you have a loan or lien of any kind on your vehicle. It covers the cost of damage sustained in an accident as well as damage that is incurred in non-traffic related incidents. It covers your medical expenses as well. It will also cover theft and vandalism.

At Alliance Insurance Services, the residents of Arvada, CO can talk to licensed insurance agents and get the answers they need about different types of auto insurance policies. If you have questions and would like to have an audit performed to identify your auto insurance needs, schedule an appointment today and get the answers you’re looking for. 

Why should you insure your motorcycle?

Although a bike is a small vehicle, the damage caused when an accident occurs is not small. As long as you are out on the road, you are at a risk of being involved in an accident, it may not be your fault but either way, you will need insurance to cover your medical bills, damage to your motorcycle and to any other vehicle that might have been involved.

For the residents of Arvada, CO, scooters are also covered under the motor vehicle insurance. Some of the policies or insurance covers that Alliance Insurance Services offers you include;

Bodily Injury Liability cover- Under this cover, we take care of the expenses that you will incur when you are involved in an accident, and you need medical attention. The cover takes care of you as the owner or the driver of the motorcycle and any other person that you might be carrying as a passenger or a third party that will be injured when you are the one at fault. It is important to note that, all persons under the age of seventeen are required by Arvada law to use a helmet at all time as long as they are on a motorcycle.

Property damage liability cover- this takes care of the damages that will be caused by accident. The damage is not limited to your motorcycle. Alliance Insurance Services includes all the other properties like road signs, street light posts and other vehicles that you collided with.

Underinsured motorcycle policy- we offer this policy to all the residents of Arvada, CO and any other person that seek our help. The cover takes care of all the damages and bodily injuries that you will suffer when you are involved in an accident with a rider who is not insured, and yet he/she is the one at fault.

 

 

 

 

RV Insurance For Your Road Adventures

RV travel is a way of life for some people. Others may only do it seasonally. No matter what your RV travel plans are, you need reliable RV insurance to assure you of protection in case of accident or other incidents. Our independent agents at Alliance Insurance Services can sit down with you and show you the various policies carried by multiple insurance companies. You can review the policy you already have or get a new one. You’ll be prepared and confident when you head out for your next RV adventure. Serving in the area around Arvada, CO, Alliance Insurance Services stands ready to provide that sense of confidence.

How is RV insurance different from regular car insurance? The first issue is that the vehicle is simply much bigger than the average car. Secondly, it has more specialization in design and structure. RVs often serve as a home, as well. Here are some questions to ask yourself:

  • What level of insurance do I need for sufficient coverage?
  • How often do I plan on using my RV during the year? 
  • Do I plan on making my RV a long term residence?
  • What condition is my RV in? 
  • Does my RV have any specialized designs to accommodate hobbies, travel plans, and personal needs?
  • Are personal possessions covered by my policy?

The nature of RV design and use means that RV insurance is similar to both home owners insurance and auto insurance. Here in the Arvada, CO area our agents at Alliance Insurance Services can help you understand the differences and similarities. After reviewing RV policies from nationally recognized insurance carriers, you can choose which one will serve you best. Peace of mind comes from dependable insurance. That means you can focus on your travel plans. 

Do At-Home Businesses Need Commercial Insurance?

Running an at-home business in Arvada, CO is an exciting way to make decent money. However, it does require you to get some kind of insurance. Typically, some of your business expenses may be covered by homeowner’s insurance. However, there are instances in which they won’t cover it. At Alliance Insurance Services, we can help you identify those moments.

When Homeowner’s Insurance Fails You

Homeowner’s insurance may not cover your business equipment if your policies are restricted to this type of coverage. For example, many companies refuse to cover business expenses because they argue they fall outside of the scope of a home. Wherever you operate your business is considered a separate part of the home and a commercial venture.

What is surprising is that many people who work in an office, but often work at home, may need commercial coverage. This is especially true if you have business equipment at your home, such as a computer, printer, or fax machines. It is also necessary to get cyber insurance to protect delicate information transferred over the web.

Options To Consider

When buying a commercial business policy for an at-home business, it is important to cover a variety of aspects of your business. For example, you need liability coverage for instances in which you may negatively impact your customers.

You also need property protection insurance for your office area. This helps cover your home in case of a work-related disaster, such as a fire caused by a malfunctioning fax machine. Other types of property insurance will protect your office equipment and keep you from serious personal loss.

Protecting Your At-Home Business

Don’t get caught without the kind of commercial insurance you need to protect your business. With the help of Alliance Insurance Services, your Arvada, CO at-home business is safe from serious danger. Make sure to shop around first to find policies that suit your needs.

Home Insurance In Colorado: Is Your Policy Up To Date?

Residents of Arvada, CO may want to periodically review all insurance policies. This is something that frequently gets overlooked. You set up your insurance when you purchase your home and you don’t give it another thought until something happens. Maybe it was a situation you didn’t think would apply to you. Maybe you didn’t have kids yet. Maybe you were new to the area and weren’t sure what the weather was like or didn’t factor in all variables. Needless to say, you now realize maybe you needed more coverage for certain areas.

Every few years, it’s a good idea to sit down with your Alliance insurance services agent to review your policy and make any necessary changes. 

When is the last time you read your homeowner’s insurance policy? Have you ever read it? What is covered, and more importantly, what isn’t covered? If you buy a new trampoline for your children and someone gets hurt, are you covered? If your dog bites the mailman, are you covered? If you need to rebuild your home, are you covered? What about mold?

Do you have too much insurance coverage? This is always a possibility. Could your rates be lower? All these are questions you can get answered. Rather than give yourself a headache trying to understand the legalese jargon, why not make an appointment with your agent and have them go through the policy with you. This will give you clear answers to any questions you may have. You’ll come away with an understanding of your coverage, and possibly make adjustments to your policy that will help you avoid problems in the future.