3 Tips for Getting Commercial Insurance in Arvada, CO

If you own or run a business, protecting it should be a top priority. While you may be aware that you need commercial insurance coverage in Arvada, CO, you may not know the best way to go about acquiring it. This can be tricky, which is why it is a good idea for you to use the tips here. Doing so will provide you with a step by step guide to ensure you get the coverage you need.

1. Bundle Your Policies 

You likely already have insurance with an insurance provider. This can be anything – homeowner’s insurance, car insurance, renter’s insurance, etc. If so, a good place to start is by asking your existing provider, such as Alliance Insurance Services, about bundling.

With bundling, you will have several policies, all provided by the same insurance company. Not only is this convenient for you, it can also help you save money. Be sure to ask about this option first.

2. Compare Quotes 

It is also a good idea to compare a few quotes from several different insurance providers in Arvada, CO prior to purchasing a policy. Doing so will help you get the best deal for your money. The fact is, when you compare quotes, you will be able to do a side by side comparison that lets you know which policy offers the most value and provides the best level of protection for your commercial property.

3. Work with a Reputable Agent

The best thing you can do when purchasing commercial insurance is to find and work with a reputable insurance. They can do the hard work for you and make sure you get the best coverage.

If you need help or more information about purchasing commercial insurance, be sure to contact the staff at Alliance Insurance Services serving Arvada, CO.

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. 

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.

Tips for Avoiding Motorcycle Accidents

Most motorcyclists in the Arvada ,CO area know that riding a motorcycle is more dangerous than driving a vehicle. They also know that when accidents do happen, they can be severe. For these reasons, safe motorcycling habits are a priority. The best way to avoid accidents is to pay close attention to these safety tips.

  • Always wear a helmet because it can reduce the severity of an accident.
  • While not all states require motorcyclists to have a license, it improves safety because often there is a knowledge and skills test to pass. 
  • Consider getting professional training and a safety course to improve motorcycle handling skills.
  • Be aware of your riding skill level to keep from overestimating your skill in managing a tricky situation.
  • Wear protective clothing that has bright colors to make you more visible.
  • Maintain your motorcycle to make sure the tires, lights, engine, and breaks are in excellent condition.
  • Do not share lanes with other vehicles because you can be missed.  People in cars don’t expect to share lanes with motorcycles and often make quick lane changes.
  • Avoid road hazards such as debris in the road or things that may make the road slick.
  • Watch the road, especially when passing to avoid head-on collisions.
  • The most dangerous situation is when a car is making a left-hand turn, so this is a situation to be especially cautious of because the driver may not see you unless your headlight is working.
  • Avoid lane splitting when vehicles are stopped, and the motorcycle travels between the sitting cars. This can be a recipe for disaster.

Alliance Insurance Services

Alliance Insurance Services partners with other companies to provide insurance coverage in the Arvada, CO area. Our agents will compare policies and locate the best option for your needs.

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.