Click to Call
Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

Get Directions

Is RV Insurance Required?

Camper and RV liability insurance is a requirement in every state, including Colorado. Additionally, Colorado requires RV owners to carry underinsured and uninsured motorist coverage if they meet any of the following:

  1. Upon purchase of a camper, travel trailer or RV
  2. If the RV is your primary residence
  3. If you rent an RV for vacation
  4. Part-time usage of the RV

Generally speaking, RV insurance is similar to coverage on your personal automobile in that includes collision for covering losses associated with accident-related damage regardless of who is at fault, liability for covering costs associated with third-party injuries, property damage, and legal fees, and comprehensive that covers the cost of fires, lightning, hail, theft, vandalism, and other similar acts. Additionally, Alliance Insurance Services in Arvada, CO can provide optional coverage such as total loss replacement, towing and roadside, personal belongings, emergency expenses, and attached accessories. 

When shopping for RV insurance, you’ll want to be sure to purchase a policy that includes adequate coverage. Accidents involving RVs result in substantial costs largely because of the complex repairs and associated expenses. Consequently, purchasing an insurance policy with enough coverage to protect your investment is imperative. Additionally, it may be prudent to purchase greater liability coverage to protect yourself from undue expenses that are incurred by a third party.

Whether you are purchasing your first RV or are on your tenth, the professional and friendly team at Alliance Insurance Services in Arvada, CO is ready and willing to assist with your RV insurance purchase. We’ll take you step by step through the process, answer any questions that you have, and always be by your side in case an accident happens. Give us a call today to learn more about our RV insurance offerings. 

Motorcycle Safety Tips for First Time Riders

When you purchase a motorcycle, the experience starts even before you hit the road. Prior to shifting into first and easing off the clutch, you’ll want to start by selecting the right bike for your needs. When shopping for a motorcycle, be sure to consider the overall power, the wet weight, power-to-weight ratio, and your judgment. There’s a big difference between riding a touring bike and a Ducati that is best learned prior to hitting the streets.

Whether you are riding down the street to the grocery store or going on a long road trip, always be sure to wear a full-face helmet. Although an open-face helmet may look more appealing and be less hot in the summer, gravel pavement is not a forgiving surface. With the most common area of impact being the chin, having a full-face helmet can be the difference between life and death. After a helmet, the next most important piece of equipment is full protective gear specifically designed for motorcycles including an abrasion resistant jacket with armor, motorcycle pants, gloves, and moto boots. 

With the right gear in place, the next step is to always check the weather and then check it again right before leaving. No matter how experienced a rider you are riding in the rain is a major no-no. For riders in Colorado, you’ll need a valid driver’s license and to either pass, the written motorcycle exam, pass a motorcycle drive skills test, and purchase a motorcycle instruction permit or complete the Motorcycle Operator Safety Course. 

At Alliance Insurance Services in Arvada, CO, our friendly and knowledgeable team of insurance professionals is ready to assist with finding the perfect motorcycle insurance policy for your needs. Stop by the Alliance Insurance Services office in Arvada, CO or give us a call today to learn more. 

5 Reasons Why Business Owners Need Life insurance

You probably have a life insurance policy in place to protect your family in the event of your death. But, if you own a business, do you have the coverage you need as a business owner?

The knowledgeable experts at Alliance Insurance Services want to make sure you as a business owner, in or near Arvada, CO, are covered.

As a business owner when you die, you need to at the very least have in place a life insurance policy that will cover your income loss.

Following are 5 reasons why business owners need life insurance and aspects you may or may not have considered.

  1. Collateral coverage to cover any personal assets you may have used as collateral for business loans.
  2. Access to Cash Value life insurance works much like a Whole or Universal Life policy. As time goes on, your policy compounds interest earned and can be credited to a cash account.
  3. Protection for Key Executives means that other higher-ups in the company will not have to purchase their own individual policies to cover their loss of income when they die.
  4. Offer executive bonus plans that cover the cost of your workers’ policy and any tax liability as well.
  5. Succession Planning lists out how the business will continue after the owner’s death.

Purchase a life insurance plan that will not only cover any outstanding mortgage balance or cost of funeral and burial but will also cover monthly living expenses for your surviving family. Additionally, make sure your policy provides money for your heirs to pay estate taxes.

Contact Alliance Insurance Services servicing Arvada, CO to make sure you have the life insurance policy options you need as a business owner.

Benefits of Commercial Insurance for Your Colorado Business

Building a business in Arvada, CO can be one of your greatest accomplishments in life. So much time, effort, money, and energy go into building and running a successful business. It goes without saying that you should certainly invest in commercial experience for your Colorado business. 

Depending on your needs, commercial insurance can cover employee injuries, auto insurance for the cars your business uses, your office space or warehouse, and much more. 

In order to stay compliant with Colorado laws, Alliance Insurance Services recommends you obtain commercial insurance. It can protect you and your employees, along with additional assets that help your business run smoothly. 

It’s simply not worth the risk to neglect your business by failing to insure it properly. You risk getting fined large sums of money, particularly if one of your employees becomes injured while at work and you don’t have the proper insurance policy to cover any medical needs they may have. 

Other types of commercial insurance include liability protection and protection for company assets. This can include your physical products, machinery, and other tools and electronics you rely on to run your business. Should any of these assets get stolen or become damaged, your commercial insurance plan can cover the cost of replacing or repairing them. 

Don’t invest in the bare minimum when it comes to your business. Ensure you are fully protected and your business has the support and security it needs to flourish. 

Business owners in Arvada, CO should reach out to Alliance Insurance Services for a carefully designed commercial insurance plan. We have a team of experts who can help — we know insurance can be confusing and overwhelming, and we’re happy to break down the various coverage options and policies for you.

Do You Need RV Insurance?

A recreational vehicle, also known simply as an RV, is a great asset and fun to travel in from place to place. Before you hit the road on your new adventures, though, you need to ensure that you have the proper insurance coverage for your beloved RV. If you are in the Arvada, CO area, the RV insurance agents at Alliance Insurance Services can assist you in obtaining RV insurance.

In Colorado, you must have RV insurance in effect to legally drive your RV on the roadways. You must carry at least personal injury protection as well as property damage liability to legally drive your RV but what other RV insurance coverage options are available?

Comprehensive Insurance Coverage

Comprehensive coverage will cover your RV if a theft, vandalism, fire, or natural disaster incident occurs that causes damages to your RV or even destroys it. For example, if your RV is destroyed due to a tornado, this type of coverage will help you to replace it.

Collision Insurance

If you are involved in a collision with an object or another vehicle, collision insurance is the type of insurance you will need for your RV that will help pay for any damages that occur as a result of the collision.

To determine the best coverage for you and the investment of time, money, and energy you have put into your RV, you will need to contact a trusted and experienced RV insurance agent who can help you create the best policy possible. The RV insurance agents at Alliance Insurance Services in Arvada, CO are ready to help you create your policy and get it started today so you can enjoy your RV while having the peace of mind you need and deserve.

Is having motorcycle insurance in Arvada a good idea?

Those that live in the Arvada, CO area will want to have a vehicle that they can use to get around the community. If you are looking for a vehicle here, a motorcycle is a good option to consider. These vehicles are not only fun to drive but are efficient as well. If you are going to get a motorcycle, you should also make sure you get the right insurance for it. There are a few reasons why having motorcycle insurance here is a good idea. 

Coverage is Required

An important reason many will want to have a motorcycle insurance plan is that this coverage is a requirement. Almost any motorcycle owner will be required to carry at least liability insurance as it is a basic legal requirement to drive on a public road in Colorado. Further, those that have taken out a loan to purchase the motorcycle will need to have insurance to stay in compliance with their lender.

Coverage Protects Asset

You also should get motorcycle insurance to protect your valuable asset. When you buy a motorcycle, you will be making a major investment and purchase that you are going to want to enjoy for a long time. A great way to help ensure this happens is by getting insurance for it. A full insurance plan will cover many situations that could result in a loss. 

Those that are in the Arvada, CO area and own a motorcycle need to properly assess their insurance needs. If you do choose a new insurance plan in this area of the state, you should call Alliance Insurance Services. The team with Alliance Insurance Services can help you evaluate your different insurance needs and options. This support will ensure that you and your motorcycle continue to be properly covered at all times. 

Required Commercial Insurance in Colorado

Getting commercial insurance in Colorado must be done to stay compliant with state law. There are two types of commercial insurance that are required for most small businesses, and there are other policies that come in handy but are not required. If you want to know more about helpful commercial policies, call us at Alliance Insurance Services in Arvada, CO.

Workers’ Compensation

Colorado requires every business of every size to have workers’ compensation insurance for each of its employees. This coverage is required for every business that has one or more employees. And, people who do work for the company are presumed by the state to be employees, and they have to have this coverage for them even if they are not signed on as employees. Workers’ compensation insurance pays for the bills due after an employee gets sick or injured while performing work for your company. 

Commercial Auto Insurance

Every vehicle that is owned by your business must be covered by a commercial auto policy. These policies come with a number of different mandatory minimums for several types of coverage. These include bodily injury liability and property damage liability. It is not required by the state to have this coverage for vehicles that you use for work but that are not owned by the company. However, personal auto policies generally will not pay out when there is an accident while you’re doing work tasks. In these cases, you need to get a type of policy known as hired and non-owned. 

Get Your Commercial Insurance Policies

If your business is required to have commercial insurance, don’t risk going without it. Not only could you end up owing money, but you could also end up with fines and fees. Give us a call today at Alliance Insurance Services in Arvada, CO to find out more. 

How Does Whole Life Insurance Work?

Whole life insurance is a type of insurance that is a part investment and part insurance. It is an interesting type of insurance that can be helpful to families in a number of ways. If you are interested in whole life insurance, contact us today at Alliance Insurance Services in Arvada, CO.

Death Benefit

Perhaps the simplest aspect to whole life insurance is its death benefit. This is the amount that is paid to your beneficiaries upon your death. When the policy is created, you choose a death benefit amount. This amount will determine the amount of your monthly premiums. Higher benefits mean higher premiums.

Cash Value

What often sets this type of life insurance apart for many is that the policy will build its own cash value over time. As time goes on, the premiums you pay for your insurance are invested by the company, and part of that income is reflected in a cash value for your policy. This is an amount that you can borrow against if you need to. Having a big financial emergency is made a lot easier to handle for many who have this kind of policy. 

Whole Life

The insurance company can’t cancel your policy no matter how old you get as long as you keep paying the premiums. Whole life policies are just that- they are good for your whole life. Keep your whole life policy in good standing and the death benefit and cash value will both be there when they are needed. 

Get Your Whole Life Policy

If you are interested in this type of life insurance, it’s a good idea to get started and lock in your premium price. Give us a call at Alliance Insurance Services in Arvada, CO to discuss this type of life insurance with an insurance agent. 

Which RV insurance coverages should you focus on if you are a frequent RV traveler?

You don’t need to spend money on flight bookings, choosing hotels or lining up for car rentals when you own an RV. However, despite the convenience, RVers encounter many challenges that are unique to life on the roads. With that in mind, Alliance Insurance services recommend carrying specialized RV insurance to protect you within and beyond Arvada, CO. So, which coverages should you be eyeing when buying RV insurance? Here are a few options to get you started. 

Liability: You need property damage liability and bodily injury liability whether you’re using your regular car or driving a motorhome. Most states mandate that all motorists carry liability coverage as a form of financial responsibility. It helps cover damages or injuries that you cause on other people in case of an RV accident.

Uninsured/underinsured motorist: Ever thought what would happen if you were hit by an uninsured motorist? And what if they’re unable to repair the damages on your RV or pay your medical bills? You never know, so get yourself uninsured/underinsured motorist coverage to protect yourself and your investment.

Personal injury protection: This coverage helps pay medical expenses for you, your family or friends in case of a crash with your RV. It doesn’t matter who is at fault. 

Total loss replacement: If your RV is totaled within the first five years, your insurance company should replace it with a brand-new RV that is similar or almost similar to what you had. If you decide not to replace the RV, your insurance company can compensate you with the original price.

Roadside assistance: At some point in your tour, you may need roadside assistance to check, tow, or repair your RV. Most insurance providers provide towing services to help you get the vehicle to the nearest repair facility.

Personal effects replacement: If you’re a long-distance traveler, you probably carry the majority of your valuables in your RV. If they are lost, stolen or damaged, this coverage helps replace them.

Need help choosing coverages for your RV in Arvada, CO? You are in the right place because Alliance Insurance Services can help you purchase and choose RV coverages based on your travel needs and budget. Call us today!

Colorado Motorcycle Insurance Guide: Causes of Motorcycle Accidents

Thousands of Americans are killed on the roads in motorcycle accidents every year, and tens of thousands more are injured. Motorcycle accidents are not just deadly, they are also costly. At Alliance Insurance Services serving Arvada, CO, we want you to stay safe and be protected when accidents happen. Protect yourself on the road, and with your Colorado motorcycle insurance rates, by maintaining safe driving conditions at all times. Avoid these common causes of motorcycle accidents and stay safe on the roads.

Drinking and Driving

The need to stay sober and safe is not new information to anybody. Drinking and driving causes fatalities on America’s roads every year. When a motorcycle accident occurs as a result, the injuries could impair your quality of life forever. Drinking and driving is frequently listed as the top leading cause of motorcycle accidents.

The consequences of driving while drunk are not just safety-related. You could lose your license, face heavy fines, or experience significant motorcycle insurance hikes if you have an accident when you drink and drive.

Left Turning Vehicles

When another vehicle makes a left turn, it can pose a danger to motorcyclists. These vehicles often turn directly in the path of the biker, not knowing they are even there. There is nothing you can do to avoid this, as you can’t control what other drivers do.

Maintain a safe distance in heavy traffic, and try to stay away from the lanes that left turns drive into. Try to anticipate other drivers more than usual when there are left turn obstacles in the way.

Lane Splitting

Lane splitting is another leading cause of motorcycle accidents. This practice of riders is not legal in Colorado, but it is legal in some other states. Lane splitting occurs when a rider tries to save time on the roads by driving in between the lanes of slow traffic.
 
This often puts motorcycle drivers in the blind spot of other drivers, and serious accidents are the result.

Get a Quote for Colorado Motorcycle Insurance

At Alliance Insurance Services serving Arvada, CO, we want you to feel safe when you are driving your motorcycle. Contact us today for a quote for motorcycle insurance to make sure you are protected on the roads.

  • 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.

Testimonials

quote-icon Comparing Quotes - Made Simple

Compare your unique insurance quotes
online via our comparative quoting form.

Get Started Today!

Get A Quote!