Matt Evans, Author at Insurance Town and Country

Stephen King taught us some important lessons as he ascended the throne and took his rightful place as America’s most prolific author of horror and supernatural fiction. You know, things like: don’t play any pranks on Carrie, never stay at The Shining’s Overlook Hotel (“Here’s Johnny!”), and for goodness’ sake, tread lightly when dealing with a 1958 Plymouth Fury named Christine.

King takes the classic tale of boy meets girl to frightening heights when a geeky teenager named Arnie falls head over heels in love with a red Plymouth …

Auto Insurance Frightful Facts from Christine Read More »

Paying For A Business Insurance Policy — How Much is Too Much?

Commercial Insurance / Matt Evans

As with most types of insurance, rates for a business insurance policy vary greatly depending on your business and coverage needs.

While you don’t want to cut yourself short, you also don’t need the highest priced policy to ensure coverage. The key is finding the right insurance that fits your budget while still protecting you.

Before you buy business insurance, consider what you need. If you’re buying far more coverage than necessary, you’re paying too much.

Consider Your Coverage Needs

Anytime you buy a business insurance policy for your Colorado based business, you have to consider what amount you’d need to …

Paying For A Business Insurance Policy — How Much is Too Much? Read More »

Why You Need Liability insurance For Your Business

Insurance / Matt Evans

Why You Need Liability Insurance For Your Business

One of the most important things you can buy for your business is liability insurance. Hopefully, it’s something you’ll never need to use, but you’ll be glad to have it if you need it.

No business is perfect and when something does go wrong, you want to know you have some form of protection on your side. This is why you need liability insurance for your business.

From property damage to bodily injury, anything could happen. No business, big or small, is immune from liability issues and it’s always best to be prepared.…

Why You Need Liability insurance For Your Business Read More »

What Limit of Professional Indemnity Insurance Do I Need?

Commercial Insurance / Matt Evans

Professional indemnity insurance, also known as professional liability insurance, covers you in the event of a negligence claim.

For any businesses providing advice or services, this type of insurance is necessary to protect against the high costs associated with a civil lawsuit. The hard part is determining what limit is best for your needs.

While many other types of insurance have standard limits to choose from, professional indemnity insurance has a range of options to suit all types of business professionals. Choosing the right limit is important for ensuring your covered without going overboard.

Talk With Clients

When working with clients, …

What Limit of Professional Indemnity Insurance Do I Need? Read More »

11 POINT CONSUMER RE-ROOFING CHECKLIST

Commercial Insurance, Insurance, Liability Insurance, News / Matt Evans

Spring in the Rocky Mountains

That means …crazy weather.

The power of nature can be beautiful, but it can also be destructive. Many of these storms are chased by good and bad roofing companies. Some are great and exactly what you need, and some are to be avoided. How do you know where to start?

Here’s a checklist to help:

Only accept bids from local contractors you have called. Only accept bids with price, scope of work and materials written on them. Homeowners have a 72-hour rescission/cancellation period. Never sign anything that has a cancellation fee! Request five (5) local references…

11 POINT CONSUMER RE-ROOFING CHECKLIST Read More »

Common Small Business Insurance Claims And How To Prevent Them

Insurance / Matt Evans

When thinking about the type of insurance your small business needs, it’s important to understand the most common small business insurance claims. What’s even more important is learning how to prevent them. Even with insurance, it’s still time consuming to deal with business damage or lawsuits. Overall, there are five types of claims that happen the most often. While you hope they never happen to your business, it’s always better to be prepared.

1. Burglary

Burglaries account for 20% of all small business insurance claims. It’s disheartening to drive up to your business and see a busted window or …

Common Small Business Insurance Claims And How To Prevent Them Read More »

Why Is Commercial Insurance Important For Your Business?

Commercial Insurance, Insurance / Matt Evans

Every business needs commercial insurance to protect you and the business from random accidents, lawsuits and more. The truth is, you never know what might happen.

Take the worry away and invest in the right commercial insurance. When something does happen, you’ll be prepared. Still not convinced? See why insurance is the perfect business partner.

Accidents Can Happen Anywhere

Can you guarantee that no one will slip coming up your walkway or trip over a cable inside your business? With snow and ice during the winter in Denver, accidents are a real possibility. What happens when someone gets hurt? Odds …

Why Is Commercial Insurance Important For Your Business? Read More »

6 Tips For Getting The Best Public Liability Insurance For Your Business

Liability Insurance / Matt Evans

All it takes is one puddle of water to ruin everything you’ve worked hard for. It may sound crazy, but if a customer was to slip and fall because of a leak in your roof, they could sue you.

Without public liability insurance, you’d be responsible for legal fees, medical expenses and more out of your own pocket. For many small business owners, this could spell the end of the business.

No matter how hard you try to create a perfect business, you never know what might happen. Protect the business you’ve worked hard to build by ensuring you get the …

6 Tips For Getting The Best Public Liability Insurance For Your Business Read More »

Types of Business Insurance and Why You Need Them

Insurance / Matt Evans

When it comes to managing your business, it is common to get so wrapped up in your day-to-day tasks that business insurance coverage can often seem like an afterthought. However, it is crucial that your business has the appropriate coverage to protect your organization against any claims or lawsuits that may arise.

Depending on the severity of the claim, just one lawsuit could have the potential to bankrupt your business. At the very least, it can severely damage your organization’s reputation, making it more difficult for your business to attract new clients and retain your current ones. Here are a few …

Types of Business Insurance and Why You Need Them Read More »

What’s Fueling Colorado Car Insurance Rates?

Auto Insurance, Business Auto, Commercial Auto Insurance, Insurance, News / Matt Evans

Colorado drivers are likely asking themselves “why are my car insurance rates going up?”

Startling insurance loss trends are emerging that put Colorado in the top ten states for growth in insurance claims and costs to pay those claims.

Coloradans are now starting to see those skyrocketing costs add up to higher insurance premiums and they want to know why. Some quick facts to help you better understand Colorado’s volatile auto insurance marketplace, along with potential solutions that would benefit all Colorado drivers.

Bottom-line: There are more auto accidents and each accident is more likely to end up in costly litigation. …

What’s Fueling Colorado Car Insurance Rates? Read More »