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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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4 Critical Areas Covered by Motorcycle Insurance

Owning a motorcycle is an exciting experience. The ultimate freedom of riding on an open-door adventure is unbelievable. But have you ever thought about the risks motorcycles pose? Even with safety gear in place, they might not help much in the case of an unthinkable event. Motorcycle insurance isn’t an option if you want to enjoy your bike.

To help you choose the right insurance, Alliance Insurance Services has prepared for the four critical areas of motorcycle insurance policies.

Liability coverage

Colorado requires that you carry liability coverage while on the road. Liability coverage pays for bodily injury and property damage to others when you are at fault for an accident.

Medical payments coverage

You never know when an accident can happen; the aftermath may require medical attention, including hospitalization, tests, or surgery. Medical payments pay medical expenses for you and your passengers following an accident.

Uninsured and underinsured coverage

Even if the law requires motorists to carry motorcycle insurance, people still disobey and ride without one. You are meant to foot your bill if you encounter such people on the road and cause an accident. So are those with inadequate coverage. That’s why you need uninsured or underinsured motorist coverage.

Comprehensive and collision coverage

Collision insurance covers damage incurred when your bike collides with a stationary object or another motor vehicle. Comprehensive coverage covers damage caused by non-collision perils like vandalism, fire, theft, natural disasters, or falling objects.

Motorcycle insurance in Arvada, CO

Because motorcycles don’t come cheap, it’s only wise that you get them insured. An accident’s aftermath can be devastating and even worse if you don’t have insurance coverage in place. Ready to purchase your motorcycle insurance in Arvada, CO, and its environs? Call us at Alliance Insurance Services for an affordable quote.

Do I Need RV Insurance All Year Through?

If you are like most Americans that like touring this beautiful country, a recreational vehicle is a worthwhile investment. But if you are using your RV seasonally, should you keep RV insurance year-round? Isn’t it expensive? If you feel you should cancel your RV insurance when not using it, think again. Alliance Insurance Services in Arvada, CO insists you maintain RV insurance throughout for the reasons below:

Some risks don’t have an off-season.

Since you aren’t using your RV on the road, we can assume that you are off the hook with the risk of collisions. However, dangers like fire, falling objects, vandalism, and natural disasters threaten your RV, even if it’s parked or in your garage. Since some risks are present all year through, the thought of canceling RV insurance shouldn’t be entertained.

It may be required

If a loan finances your RV purchase, one of the requirements could be that you maintain your RV insurance as long as the loan is outstanding. If you cancel your RV insurance, this may breach the contract with your lender.

It creates a gap in your policy.

Policyholders who cancel their insurance coverages halfway through may be considered high-risk clients. As such, they may get higher premiums when renewing their policies.

If you are not using your RV throughout, canceling your policy is never a good idea. What you can do is suspend coverage options that aren’t applicable. For instance, you may suspend collision and liability coverage and maintain comprehensive coverage to protect your RV against non-collision risks.

RV insurance in Arvada, CO 

Does RV insurance appeal to you? If yes, it’s time to get an affordable policy in Arvada, CO. Please contact Alliance Insurance Services for a no-obligation quote.

Types of commercial insurance most businesses can benefit from

Owning a business is a part of some people’s American dream. It can be a dream come true or a nightmare, depending on how well you protect yourself from all the risks that every business owner faces. By choosing the right commercial insurance, you can mitigate some of the stress of facing threats. At Alliance Insurance Services in Arvada, CO, we specialize in helping businesses to make the right decisions about the types of commercial coverage the state of Colorado requires and the types your business needs to survive. 

Commercial property insurance

Commercial property insurance has a much broader function than home property insurance. It covers the physical structure of your business if you happen to own it, but it covers all the things you use to do business. Depending on your business, this can be electronics,  machinery, tools, display units, office equipment, and various other items. 

Commercial auto insurance

If your business owns vehicles, they need to be covered by commercial auto insurance. The minimum coverage required is 25/50/15. 

Commercial liability insurance

All businesses don’t require commercial liability insurance, but certain professionals are required to have professional liability coverage. This includes health professionals and doctors. Other businesses can benefit from liability coverage since every year, one in three companies will be involved in a legal action that has the potential to scuttle their business if they don’t have the money to pay a judgment against them. 

Workers compensation

In the state of Colorado, any business that has employees is required by the state to have workers’ compensation insurance. This protects workers who are injured in the performance of the job, and it also protects employers from being sued. 

Contact Alliance Insurance Services in Arvada, CO for all your commercial insurance requirements. 

Reasons your life insurance policy may be cancelled

Many people are uncomfortable discussing life insurance. It’s almost like it’s bad luck. But what would be bad luck would be to leave your family without the protection that a life insurance policy can provide. Getting the amount right is challenging, balancing affordability with your future need. At Alliance Insurance Services in Arvada, CO, we understand how trying it can be to ensure that you are getting the amount right. More importantly, the policy needs to be and stay in force. 

Non-payment

The most common reason for a life insurance policy to be canceled is non-payment. It is vital that you try not to let this happen. If the premium is more than you can afford, it may be worth your while to have a good talk with your insurance agent and see if there are other products out there that can provide you with the protection you need at a more reasonable price. If you have special circumstances, it is always a good idea to give the insurance carrier a call and see what your options are. 

Usually, there will be some grace period that will allow you to make up a missed payment if it was just an oversight. It is always a good idea to have insurance premiums on auto-pay to avoid this sort of situation. 

Being untruthful in your application

When you apply for a life insurance policy, you will be asked many questions, many of them related to your health and your activities. It is always a good idea to be completely truthful. It may cost you a bit more on your premium, but if your untruthfulness is discovered, the policy will not pay out if something happens, and your policy will be canceled. 

Contact Alliance Insurance Services in Arvada, CO when you need to sit down and discuss your life insurance requirements.

 

What To Consider When Buying RV Insurance

When you’re considering buying an RV, one of the most significant decisions you’ll have is what type of insurance to purchase. There are a few factors you’ll want to keep in mind as you decide. Here are four things to consider when buying RV insurance.

1. What Are Your Coverage Needs?

The first thing you need to do is figure out your coverage needs. Every RV owner’s needs are different, so it’s essential to look at your situation before you start shopping for a policy. Consider things like the value of your RV, where you plan to take it, and how often you’ll be using it.

2. What Type of RV Do You Have?

The next thing to consider is the type of RV you have. Insurance companies classify RVs into different categories, and each category has its own set of coverages and rates. So, it’s important to know what type of RV you have before you start shopping for a policy.

3. Do You Need Roadside Assistance?

Roadside assistance is a type of coverage that can be very helpful for RVers. If you break down or have a flat tire, roadside assistance will help you get back on the road. Some policies even offer towing coverage. If you think you might need roadside assistance, look for a policy that offers it.

4. What’s the Process for Making a Claim?

If you ever need to make a claim on your RV insurance policy, you’ll want to know the process ahead of time. Find out how to file a claim and what you’ll need to do to start the claims process.

Get RV Insurance in Arvada, CO

These are just a few things to keep in mind as you shop for RV insurance. By taking the time to consider your needs and doing some research, you can find the perfect policy for your RV. Alliance Insurance Services in Arvada, CO can help you find the perfect RV insurance policy for your needs. Give us a call today to get started.

What are the benefits of having a motorcycle insurance plan in Arvada?

Having a reliable mode of transportation in the Arvada, CO area is important. During the warm months of the year, having a motorcycle can be a great option. If you have a motorcycle, it will give you a fun vehicle that is also quite efficient. As you are looking to purchase a motorcycle, getting a motorcycle insurance plan is also crucial as it provides various benefits to the policyholders. 

Reduce Risk of Liability

A primary reason to have a motorcycle insurance plan in this part of Colorado is to reduce your liability risk. No matter how experienced and safe a driver you are, there is always a chance you could cause an accident. If you do cause an accident, you will need to cover the damages the other parties have incurred. With a motorcycle insurance policy, you will obtain additional coverage that can help to offset this risk by covering your costs. 

Protect Assets

It would also be beneficial to have a motorcycle insurance plan to protect your assets. You will have to invest a lot of money to purchase and care for a motorcycle. Losing this asset due to theft or an accident could be devastating and a significant financial setback. Fortunately, with a comprehensive motorcycle insurance plan, you will get the support needed to repair or replace the motorcycle if a loss is incurred.

As you are looking for a new motorcycle insurance policy in the Arvada, CO area, it would be a good idea for you to speak with the team at Alliance Insurance Services. The team with the Alliance Insurance Services knows the value of motorcycle insurance and can help you build a policy that will give the coverage that protects your motorcycle and gives peace of mind. 

Is home insurance needed in Colorado?

The Arvada, CO can be a great place for anyone to invest in their own home. When you are a property owner here, you can benefit from value appreciation as well as having a hedge against inflation. When you are a property owner, you will want to ensure your home is always covered by insurance. A home insurance plan in this area of the state will be needed for various reasons. 

Coverage is a Requirement for Many Owners

A common reason that people will need to have home insurance in this part of Colorado is that it could be a requirement. Home insurance is a valuable type of coverage that will provide support if your home is damaged due to a fire or other challenge. Due to the protection it provides, any mortgage lender will require that borrowers maintain home insurance. In many cases, the lender will require that you have payments escrowed each month. 

Coverage Protects Assets

You also should get home insurance to protect your assets. With the right home insurance, you will get coverage to protect both your dwelling and personal assets up to the limits set in the policy. Further, you can receive additional personal liability coverage that will offer protection if you are found liable for various types of accidents. 

Those that reside in the Arvada, CO area will want to ensure they have the proper coverage in place to protect their home. Once you are ready to start looking for a new plan, calling Alliance Insurance Services is a good option. The professionals that work with Alliance Insurance Services understand the value of this coverage. They can give any guidance that you need to build a proper plan that will adequately cover your home and help you meet your needs. 

Do you have the protection your car needs?

When it comes to car insurance, residents in the greater Arvada, CO area can rely on the team at Alliance Insurance Services. Having the right insurance policy in place can make a huge difference if you are ever involved in an accident or another covered event.

Protect your car with the right insurance policy

When you have the right auto policy in place, you can breathe easy, knowing that you have the protection that you need. When it comes to auto insurance policies, there are a lot of options to choose from! Determining which policy is right for you can often feel like a daunting experience. But, with the help of a local agent, the process can be a lot smoother.

Knowing what features you want and need, and the level of coverage that you require, are the first steps to take when narrowing down your options. Additionally, families can sometimes save money when they opt for a fleet policy rather than individual policies for each member. Learn more about these options today.

Determining which type of policy best meets your needs does not need to be a struggle! And, if you have had the same policy for a while, and haven’t taken a close look at it lately, now is a great time to review it. Many people simply renew the same policy time after time without giving it too much thought. Your needs can change over the years, and your policy should change too. 

Give us a call today!

The entire team at Alliance Insurance Services is proud to serve the insurance needs of the greater Arvada, CO community. If you want to make sure that your car has the protection it needs, give us a call or stop by today!

Why Expanding Services Requires Updating Your Commercial Insurance Policy

When you expand your Arvada, CO business, you’ll also need to contact Alliance Insurance Services to expand your commercial insurance policy. That’s because your insurance policy was designed to cover your business as is, but once you expand, you have added to your company. That requires an addition to your insurance policy.

When you add employees, for example, you need to increase many types of insurance, including your worker’s compensation coverage, liability, commercial auto, and commercial property. Adding employees means paying more into the worker’s comp system via premiums and, if you add services or production, your increase in employees probably also adds to your liability. A new employee definitely adds to the amount of business equipment you own. If they drive one of your company’s fleet autos, you need to increase the commercial auto coverage because those policies contain coverage for a specific number of drivers. Once you exceed that, the newest drivers go uncovered until you update your insurance policy.

How do you update your commercial insurance?

Contact Alliance Insurance Services for a consultation with one of our insurance agents. We’ll review the changes in your business with you and determine a suitable coverage amount. Ultimately, you need the amount of coverage that would allow you to replace all of your business equipment, for example, if a tornado struck your offices.

You must carry workers’ comp insurance that covers every employee in your company in order to meet with the state and federal laws. When you expand your staff, let us know, so we can provide an updated policy that ensures your business remains covered. Each state sets its own workers’ comp laws, so if you expand beyond the borders of Colorado, you’ll need a policy that covers all employees in all states. That can mean a policy per state.

Your best option is to call us as soon as you start planning to expand your Arvada, CO company. Let us help you update your insurance, so you never have a moment uncovered.

Home Insurance Tips for First-Time Homeowners

You’ve spent a lot of time looking for the perfect home for yourself and your family, and you finally found it. While your to-do list is likely very long, you don’t want to overlook the importance of protecting this new, large investment. Alliance Insurance Services, serving Arvada, CO, would like to help first-time homeowners with these insurance-related tips.

Purchase a Home Insurance Policy

It can be expensive and time-consuming to buy your first home, and because of this, you want to ensure that your investment is fully protected. While home insurance is not mandated by law, most lenders will require it if you are paying on your home. Further, home insurance will cover in the event of significant damage or a complete loss, relieving your financial stress if you must rebuild. 

Invest in Needed Add-on Coverage

Your standard home insurance policy will cover a number of things, including fire damage, windstorm damage, and more. However, you must think outside of the “standard” box to ensure you are properly protected if the time comes. Speak to your insurance agent about your specific situation, and they will help you in determining if you should invest in any optional, add-on coverage. This may include anything from flood insurance to coverage for your small, home-based business. 

Take Inventory of Your Possessions

In the event your home ever suffers damage severe enough you need to file a home insurance claim, it can help to have a record of your possessions as well as their values. Go room by room, making a list of all the expensive items and their value. If possible, keep a digital copy of this and a paper copy somewhere safe. 

As a first-time homeowner, you may be overwhelmed thinking about home insurance. Contact us at Alliance Insurance Services, serving Arvada, CO, for help.

  • Safeco
  • Travelers
  • Electric
  • Metlife
  • ASI
  • Progressive
  • Hartford
  • Foremost
  • Lockton
  • Auto-Owners
  • Berkley One
  • Nationwide

Company Overview

Alliance Insurance Services founded in 1992 has a long standing relationship with both customers and community. Since our start, Alliance Insurance Services has been headquartered at 5440 Ward Rd. in Arvada, Colorado. We also have locations throughout Metro Denver as well as Northern Colorado. Alliance Insurance Services is a proud long time supporter of the Children's Miracle Network, the Better Business Bureau, and the Professional Independent Insurance Agents of Colorado.

Mission Statement

Alliance Insurance Services is dedicated to a lasting relationship with our clients and community through superior service and value. We provide security with quality products and innovative technology. Our team has created an environment that instills trust with those we come in contact with.

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