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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Alliance Insurance Services knows that life insurance isn’t just for you. It protects your entire family.
That’s why it’s important to consider purchasing a life insurance plan for your parents. With consent from a parent, these policies can help eliminate some of the worry and stress that comes from supporting an aging parent. It can minimize some of the financial burdens too.
Serving Arvada, CO, Alliance Insurance Services shares four advantages of purchasing a life insurance policy for a parent.
Cover medical expenses
Sadly, the remaining years of an elderly parent’s life can be expensive. Even worse, it’s often unavoidable. Ongoing medical bills are the main culprit. Life insurance can help pay for any of these lingering costs.
Shield against financial loss
Other bills can also pile up quickly. Existing loans, mortgages, or credit card payments can be equally crippling. Just like with medical expenses, these policies will cover any outstanding debts that have been left behind.
Pay for final arrangements
The burden of a funeral also typically falls on the child of the deceased. A well-crafted life insurance plan can set aside enough money to execute a parent’s desired end-of-life wishes. Some plans, like burial insurance, are created specifically to pay for these services.
Support a surviving parent
Losing one parent is tough enough. Caring for a surviving parent can be just as difficult. This is especially true if they can no longer live alone. Downsizing, moving, or relocating to a full-time care facility are all costly decisions. Life insurance can help usher in a smoother transition.
Ask Alliance Insurance Services
The agency wants to ensure you and your family are protected. Serving Arvada, CO, the agency can create a personalized life insurance policy for qualifying parents. Schedule an appointment today.
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:
- Upon purchase of a camper, travel trailer or RV
- If the RV is your primary residence
- If you rent an RV for vacation
- 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.
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.