How to Insure the Specifics Needs of Your Business

If you are starting a business or acquiring an existing business, one of your first calls should be to your agent at Alliance Insurance Services serving Fort Arvada, CO and the surrounding areas. They will give you expert advice on commercial insurance and help you understand the different types of coverage that are available.

Customization of Commercial Insurance

There are standard commercial insurance policies that almost every business needs and those policies are the basic foundations for commercial insurance. These policies can be tailored towards the types of commercial operations. For example, the insurance needs are quite different for a commercial office space, when compared to a retail establishment, or a manufacturing facility.

Special Insurance Needs

Here are some examples of special insurance needs.

Since the legalization of marijuana for medicinal and recreational use in the state of Colorado, new businesses and business models, such as cooperatives, are increasing. The products offered for sale require new product liability insurance that specifically covers these new products. Insurance underwriters now provide coverage for growers, physicians, dispensaries, recreational shops, and accessories manufacturers.

If you have a home-based business, it is prudent to have coverage for the business operations to cover the equipment used for the business and any risk of liability for clients visiting your home.

Commercial Insurance Review

Even if you already own a business and place your insurance through another agency, it is a good idea to ask for a review by Alliance Insurance Services to use as a cost comparison. Alliance Insurance Services prides itself on being a solutions-oriented agency that works on behalf of its small business clients to provide the coverage needed at cost-efficient rates.

Summary

Every business owner needs help from their insurance agent to protect the business and get good rates for insurance coverage, while at the same time working with quality and well-established insurance underwriters that are responsive and supportive in the case of needing to make an insurance claim.

The best way to determine if your commercial insurance is adequate for your specific needs is to consult with your agent at Alliance Insurance Services in Arvada, CO.

When Should You Consider Life Insurance?

For many people, life insurance is a type of insurance that is not at the top of their priority list but that does not mean that you should not think about getting it. People from all ages in Arvada, CO can benefit from life insurance so if you are wondering when you should consider life insurance, the answer is now. However, if you are not yet convinced, these are some other times, according to Alliance Insurance Services, you should consider getting life insurance.

  • When you have dependents or want to provide for someone. If you have children or a spouse that relies on your income now, then you need to make sure you get life insurance to take care of them in case you are gone. You should take a look at your dependents and possibly any others, such as parents or godchildren, that rely on you and make sure you get enough to cover them.
  • If you think your time is almost up. It is always best to get life insurance when you are younger, but if you have waited and your days are numbered, you should go ahead and make the purchase. 
  • To cover any final expenses. If you are like most people, you have a debt of some sort and the last thing you want to do is leave a lot of debt for someone else to take care of in case you were gone. When purchasing life insurance, you should make sure you have enough to cover all of those expenses so that they do not have to take on the burden of paying it for you. 

If you would like to learn more about your life insurance options and get some quotes, be sure to reach out to Alliance Insurance Services, serving Arvada,CO today. 

How Do I Add After Market Parts to My Auto Insurance Policy?

After market parts can add a lot of value and character to your car. But most people do not realize that they are likely not covered if you are involved in an accident. This is because most insurers will not include them unless you specifically add them to your auto insurance policy. The reason for this is that most policies only cover standard items on the car. Here is some information you should know if you are looking to add after market parts to your auto insurance plan.

If you need to add after market parts to your auto insurance plan, you should be sure to save the receipts for the cost of the item and how much it cost to install. This gives your insurer an idea as to the value of your part. This can be important as the insurance policy will typically only cover the value of an item you have added.

Next, be prepared to provide your insurance company with pictures of your car. Since your car is modified, they will need pictures. This will help them if your car is in an accident. They need to know what your modified car looked like prior to the car accident.

Lastly, be prepared for your car insurance to slightly increase. When you modify your car and add after market parts to your plan, you are increasing the value of your car. If your car is stolen or in an accident, the auto insurance company has to pay more money. As such, your auto insurance plan slightly increases.

Have you added after market parts to your car? Are you looking to have them included on your auto insurance policy? We can help. Call Alliance Insurance Services, serving the greater Arvada, CO area today to get started.

Driving for a Ride-Share Company? Get Auto Insurance First

At Alliance Insurance Services, each of our clients receives a customized quote for the specific type and amount of coverage they need. That’s because the way you use your car is unique. Ride-share services, such as Uber and Lyft, are opening the door for average vehicle owners to earn a bit of money in their spare time. However, if you decide to use your vehicle for this type of purpose, you’ll need to work closely with our team to ensure you have the right type and amount of auto insurance.

What Type of Auto Insurance Do You Need?

As a rideshare driver, you will need to have an auto insurance policy that covers you, as the driver, and the vehicle. Most often, ride-share companies require you to maintain at least the state minimum requirement, but sometimes more, in order to work with them. Your coverage should include ample liability protection. If a passenger is hurt while in your vehicle, he or she may sue you for the losses. A standard auto insurance policy may not offer enough protection.

As a business investment, you may also wish to improve the amount of collision damage and property insurance you carry on your vehicle as well. Our team will help you to estimate the best possible level of coverage for your unique needs.

Get the Quote You Need for Fort Collins, CO

When you contact the agents at Alliance Insurance Services, our team will work closely with you to help you keep your vehicle protected if you plan to begin providing services as a ride-share driver. If you live in or around Fort Collins, CO, contact our team today to learn more about a customized auto insurance plan that can help you to save money on the road.

 

Two Ways To Maximize Your Insurance Claim

Nobody wants to have to file an insurance claim. In Colorado, there are various hazards that can cause damage to your home, like flooding, wind, and extreme cold. Even if you are as prepared as possible for these things, you could undergo some damage. Your insurance is on your side overall in this situation, but they are still going to protect their bottom line as much as possible. If you want to get the highest amount possible for your insurance claim, here are two tips to help you. 

Make Temporary Repairs – While you are waiting on the settlement amount on your home, make the necessary temporary repairs. The small fixes could be things like patching the roof, replacing a window, or fixing something in your HVAC system. If you don’t make these repairs, your insurance company could say that these things being ignored caused extended damage to your home and not the incident itself. 

Hire a Public Adjuster – An adjuster is who decides the damage value during a claim. Your insurance company will send one of their own, but you should hire a public adjuster, an adjuster who is hired directly the claimant. The insurer’s adjuster will have their best interests in mind and will offer you the lowest amount that they think you will accept. Your public adjuster understands the strategies implements by insurance companies and can counter them to get you the best deal. The cost of a public adjuster is usually covered by the increased amount that they get for you. 

By following these two tips, you will greatly help your chances of maximizing your home insurance claim. One provider of home insurance in Fort Collins, CO, Alliance Insurance Services, provides home insurance in that area. Call an insurance company today to ensure that you have the appropriate amount of insurance. 

Getting Your Home Ready for Spring

Spring is a beautiful season in Fort Collins, CO. Before you get out and start exploring the city in the new season, however, there are a few things you need to do to get your home ready for the spring. Use these tips from Alliance Insurance Services to help get you started. 

  • De-winterize your home. Like most people in the area, you probably took the time to winterize your home before the cold weather hit. If you did take this step, then you also need to have your home de-winterized so that it is ready for the warm weather. You should have a professional take care of this for you. 
  • Clean up around your home. While you do not need to do a ton of spring cleaning, it is always a good idea to do a little bit of cleaning around your home in preparation of the new season. Even a good dusting can make a big difference. 
  • Plant some spring flowers. There are so many beautiful colors that are awoken during the spring and if you have the space outside, you should consider planting some spring flowers around your home. You may even want to get some that will continue to bloom year after year. 

Besides doing these things to get ready for spring, there is one other thing you need to make sure you have set up. You need to have a great home insurance policy in place. If you do not already have one, be sure to reach out to Alliance Insurance Services, serving Fort Collins, CO, to get a free quote. If you do already have one, you can also have them take a look at your current policy to make sure you do not have any gaps in coverage. 

Why You May Need More Auto Insurance Than Provided By the State Minimums

As you look to purchase auto insurance, you need to pay close attention to the amount of coverage your policy provides. While you are required to carry a minimum amount of insurance, many people opt for a higher coverage level. Here is why you may wish to opt for more coverage than you are required to carry by law.

If you are involved in an auto accident, and the amount of damage done is higher than your coverage amount, you can be held personally liable for these differences. For example, if your collision coverage is $15,000, and you total a car worth $30,000, the driver of that car can sue you for the difference of $15,000. Your insurance company will only pay out the maximum amount of coverage, leaving you on the hook for that money. If you do not have it to pay out, they can obtain a judgment against you which may allow them the ability to garnish your wages, levy your bank account or even place a lien against your home. As such, it is beneficial to pay a little bit extra each and every month for a higher policy limit, ensuring you are fully covered in the event you are involved in a car accident.

Trying to determine how much auto insurance you need is a complicated algorithm. Let our professional insurance agents at Alliance Insurance Services, serving the greater Fort Collins, CO area, help you. Give us a call today, and one of our professionals will determine what coverage amount best fits your needs and then put together a policy tailored to your needs.

Car Seat Safety in Colorado

Young passengers in Colorado must be secure when riding a vehicle. As a parent, you want your child to be safe, so does Alliance Insurance Services in Fort Collins, CO. They are able to discuss car seat safety for your young passengers.

Do You Have the Right Car Seat?

The right car seat is essential for keeping children safe at all times while in your vehicle. Many children are killed in car accidents every year, which could have been avoided. As your child grows, they’ll need a different car seat. Don’t use your best guess. Check the manufacture’s requirements before switching from a carrier to a booster seat.

Types of Car Seats

  • Infants and Toddlers – rear-facing carriers only
  • Toddlers and Preschool Age – convertible, forward-facing seats
  • School Age – booster seat
  • Older Children – seat belts

All children under the age of 13 should sit in the backseat with a lap and shoulder belt for their protection.

Airbag Protection

Airbags are intended to be used for adults and teenagers. It reduces the amount of injuries during a collision. Even though they have saved millions of lives, airbags were not meant for infants, toddlers, and young children. The force exerted from the impact of an expanded airbag could be detrimental. Never place an infant or child in the front passenger seat. If you are driving a two-passenger vehicle and have no other choice than to place the child in the front, then push the seat as far back as it will possibly go.

Alliance Insurance Services have offices in the Fort Collins, CO area. They have independent agents that are available to help you adjust your auto insurance needs. These agents can also give you information on other insurance coverage that you may need, including home, life, and commercial policies.

How to Complete a Home Inventory Checklist

Did you know that over half of all Americans don’t have an inventory of the contents in their homes? Chances are, you’re probably among them. Creating an inventory is easier than it seems, and it will greatly help you if you have to file a claim on your home insurance in Fort Collins CO. Our team at Alliance Insurance Services will show you how. 

1. Start in stages.

It’s easy to get overwhelmed by your stuff if you’ve lived in your home a long time. But even if you don’t get all of it, a record of some items is better than none at all. Begin documenting your electronics, art, jewelry, and other valuables, working from higher to lower in price until you are satisfied.

2. Use technology to your advantage.

A computer spreadsheet is very helpful when documenting your inventory. Taking a video tour of the contents in your home is very effective, as well as pictures of each item. And don’t forget to save receipts! Scanning them into your computer is a simple way to have them all in one place.

3. Don’t store your records in your home!

You’ll want to store your inventory records outside your home if it ever gets damaged. Otherwise, what’s the point? A safe deposit box or the home of a friend you trust is ideal. Continue to update the inventory as you make additional purchases while it’s fresh on your mind.

For more ideas on creating an inventory for your home insurance in Fort Collins CO, contact us at Alliance Insurance Services anytime. Our team of experienced professionals is more than happy to answer all of your questions about home insurance and more. Stay tuned for the latest insurance news and updates from us!

Remove the Sources of Potential Slip and Fall Accidents

The good folks at Alliance Insurance Services in Fort Collins, CO want to encourage everyone to take the precautions necessary to help prevent slip and fall accidents in the home.

The statistics from the National Floor Safety Institute are somewhat alarming:

  • Every year about one-third of the those who are 65-years old or older suffer from a fall accident. Half of those who fall will do this more than once.
  • Of the accidental deaths that occur in the home, half of them are caused by falls.
  • Those who fall in the home are more likely to do so from ground level, instead of from an elevation.
  • In the United States, there are over 8 million annual hospital visits to the emergency room by those who experience an accidental fall. This represents 21.3% of the causes for emergency room visits. Those who slip and fall are about 1 million people or 12% of all the falls.
  • The Center for Disease Control notes that over 15,000 people who were 65-years old or older died from the results of a fall.

Falls can happen to anyone at any age; however, older adults are more likely to experience a fall. Elderly adults have a serious risk of fracturing their hip from a fall.

With all these statistics in mind, it is important to remove things that pose a risk of creating a slip and fall.

Here are the simple things recommended by the National Safety Council that one can do to make their home safer and reduce the risk of slip and fall accidents:

  • Remove throw rugs. They are named properly because they can throw you to the floor.
  • Reduce clutter.
  • Get rid of small furniture and leave plenty of space to move between other furniture.
  • Organize power cords so that they do not cross any walking paths.
  • Use adhesive strips to make sure any exposed edges of carpet or rugs are held down firmly in place.
  • Make sure there is sufficient lighting.
  • Put non-slip security strips on any stair steps.
  • Use non-slip mats in tubs and shower stalls.
  • Install support rails in bathrooms, bathtubs, on stairs, and down each side of the hallways.
  • If anything spills, clean it up right away.
  • Make use of night lights in the bedrooms, halls, and bathrooms, which are triggered to automatically turn on during low light conditions.
  • Avoid the use of ladders by storing things in lower cabinets.
  • Use a cane or a walker if needed.

Slip and fall accidents are more common than most people think. By following these tips you can reduce the risk of these accidents. Also, be sure to check with your agent at Alliance Insurance Services in Fort Collins, CO for any questions about your home insurance and to make sure you have adequate coverage.