Riding a motorcycle is one of the most exhilarating experiences on the open road. The wind in your hair, the sun on your face, and the sense of freedom that comes with cruising down the highway – it’s no wonder that so many people are drawn to motorcycle riding. But before you hit the road on two wheels, there’s one crucial thing you need to take care of: insurance. Here are five things you need to know about motorcycle insurance.

1. There Are State Requirements for Motorcycle Insurance

Most states have some insurance requirements for motorcycle riders, so it’s essential to check with your state’s motor vehicle department to determine the specific requirements. In general, you’ll need liability insurance if you injure someone or damage their property while riding your motorcycle.

2. Your Auto Insurance Policy May Not Cover Your Motorcycle

If you have an auto insurance policy, you may think it covers your motorcycle too. But in most cases, that’s not the case – you need a separate policy for your bike. Even if your auto insurer offers motorcycle coverage, it’s usually not as comprehensive as a stand-alone policy.

3. Motorcycle Insurance Rates Vary Based on several Factors

Your motorcycle insurance rates will be based on many factors, including the make and model of your bike, your driving record, where you live, and how much coverage you need. In general, though, motorcycle insurance is relatively affordable – especially when you compare it to the cost of repairing or replacing your bike if it’s damaged in an accident.

4. You May Need Additional Coverage for Custom Parts or Equipment

If you have any custom parts or equipment on your motorcycle, you may need to purchase additional coverage to protect them. Most standard motorcycle insurance policies don’t cover these items, so it’s essential to check with your insurer to see if you need to purchase a rider or an endorsement to get the coverage you need.

5. You Need to Review Your Policy Regularly

Your motorcycle insurance needs can change over time, so it’s essential to review your policy regularly to ensure that it still meets your needs. For example, if you buy a new bike or sell your old one, you’ll need to adjust your coverage accordingly.

Keep these five things in mind when shopping for motorcycle insurance, and you’ll be able to find a policy that meets your needs and helps you ride with peace of mind. For those in Arvada, CO, Alliance Insurance Services offers comprehensive motorcycle insurance policies to protect you and your bike on the open road. Contact us today for more information.

Like most people, you probably didn’t give your RV insurance policy much thought when you first bought it. After all, it’s just another bill to pay every month. Your RV insurance policy is a complex document that can significantly impact your wallet if you don’t understand it. By taking the time to familiarize yourself with the ins and outs of your policy, you can save yourself a lot of money in the long run. Here are three things you didn’t know about your RV insurance policy.

1. Your RV Might Not Be Covered for All Types of Accidents

Many policies exclude certain types of accidents, such as those that occur while the RV is being used for commercial purposes. If you’re unsure whether your policy covers you for a particular type of accident, it’s always best to check with your insurer before making a claim.

2. You May Not Be Covered for All of the Contents of Your RV

Another common misconception about RV insurance is that it will cover all of the contents of your RV. However, this is usually not the case. Most policies limit the amount they will pay for personal belongings, so you must check with your insurer to see what is and isn’t covered.

3. You Can Change Your Coverage

Your RV insurance policy is not set in stone. You can always review your policy and make changes if you need more or less coverage than you currently have. You should do this regularly, as your needs may change over time.

Understanding these three things about your RV insurance policy in Arvada, CO can save you a lot of money and hassle in the long run. If you have any questions about your policy, contact Alliance Insurance Services today. We’re always happy to help our customers understand their coverage and ensure they have the protection they need.

Whole life insurance is one of the two main types of this coverage. This insurance type is an effective policy that offers a death benefit at the insured’s death. It’s a great way to leave behind a legacy for those who depend on you. If you need life insurance in Arvada, CO, call us today at Alliance Insurance Services. 

Insurance for Your Whole Life

Whole life insurance is named because it lasts the rest of your life. If you were to get a term life insurance policy, it would have an expiration date after a certain number of years. However, whole life insurance can stay in place regardless of age. If you continue to pay the premiums as agreed, the policy can’t be canceled by the company. This is a great way to get peace of mind in knowing that you will be leaving something behind for loved ones no matter what. 

A Cash Value

Another benefit of these insurance policies is that they create a cash value over the years. They help policyholders to have access to a small amount of the profits that are made on the premiums by the insurance company. This is made available as a cash value that the policyholder can borrow. This works like any loan with monthly payments to pay back that cash value. This simplifies getting a loan if you should ever need one. This is another point that gives people peace of mind. If they ever find themselves in a financial jam, they can always borrow an amount from their policy to get out of it. 

Get Your Whole Life Policy

When you are interested in a life insurance policy, you can call us today at Alliance Insurance Services in Arvada, CO. 

The Arvada, CO area is an excellent location for anyone to start a business. If you would like to be a business owner in this area, it is always a good idea to protect the company as well as you can. One way to do this is by getting commercial insurance, which can offer various advantages to business owners. 

Comply with Requirements

One of the reasons that someone should get a commercial insurance plan for their business is so they can comply with their requirements. It is common for someone in this state to have various commercial insurance requirements. If you have taken out a loan, raised money from investors, or even leased a place of business, you will likely have commercial insurance obligations. Carrying this coverage will ensure you remain covered and in good standing with your lender. 

Protect Business

Getting a commercial insurance plan to protect your business is also a good idea. Even if you are not required to carry commercial insurance, having the coverage is a good idea as it will ensure you have the support needed to replace or repair core assets and mitigate your liability risks. This could make having commercial insurance in this part of Colorado a great investment. 

People in the Arvada, CO area will always want to know that they are covering their business as well as they can. If you choose to get a commercial insurance plan for your Colorado business, you should start searching for a plan with the support provided by Alliance Insurance Services. These professionals value commercial insurance and can help you build a proper plan. Alliance Insurance Services can do this by taking a customized approach to helping you understand your needs and options. Speak with our agents to get started with a quote.

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.

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. 

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. 

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.