Matt Evans

Back to School: College Insurance Needs

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If you’re a parent who just dropped off their son or daughter for his or her first year of college, you may be curious to know what protections your existing policies provide and what you (or they) may need to add. Fortunately, we have a few quick tips that will help; however, we do encourage you to contact us with the specifics of your unique situation, so that we can give you the most accurate information.

Let’s begin by retracing your steps from home to the campus; did your child drive? More specifically, did your son or daughter bring a …

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Personal Umbrella Liability Insurance: Keeping You Dry

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In the case of a catastrophic financial event, Personal Umbrella Liability Insurance could be the best line of defense you’ll ever have.

Sometimes in life things just go wrong. Let’s say that you get into a terrible car accident, you’re hurt, the other person is hurt, and on top of that, they decide to sue you. Your basic insurance policy might not cover all of the damages, the medical expenses, and the legal costs. That’s where personal umbrella liability insurance becomes important.

A personal umbrella liability insurance is a customized additional policy that extends the protection of your basic insurance policies …

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Identity Theft & Fraud are Lurking Behind Every Corner

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As we mentioned in a blog post earlier this year, which you can read here, Colorado is ranked among the highest states for identity theft and fraud.  We also showed that anyone can be a victim of identity theft, even children, sometimes especially children; this is due to the fact that a child has a clean history, a thief can start to build credit and in a few years that social security number is ripe and ready to use to apply for some big loans.

The fact that over the past 14 years, the likelihood of becoming a victim of …

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Health Insurance: Learn Your Options

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We at Insurance Town and Country offer a variety of health insurance options for individuals, families, and businesses.  This blog will be focusing on our private health insurance options, but you can find more about our group health insurance plans by clicking HERE.

There are several categories of health insurance plans and at Insurance Town and Country, we divide them into four general groups: copay plans, coinsurance plans, deductible plans, and health savings plans; and are explained below. The amounts charged for services under the following plans can vary depending on whether the insured uses a health care provider …

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Professional Liability Insurance: More than Malpractice

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If asked to explain Professional Liability Insurance, you probably call to mind an image of a doctor making a mistake in surgery or a bookkeeper embezzling from a company, but these cases make up a very small portion of the Professional Liability claims that we process at Insurance Town and Country.  Many claims come from minor mistakes that occur when the obligations of a business get lost in the shuffle.

One example is if your company incorrectly files a customer’s information, in turn, failing to properly serve them.  Another example may be that an employee at an auto shop accidently …

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Are You Required to Offer Workers’ Compensation Insurance?

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Every state has different laws with various requirements for workers to provide Worker’ Compensation Insurance to their employees.  In this article, we will be focusing on the requirements and exceptions of Colorado.  If your business is located in another state, you can find information about the Workers’ Compensation requirements of your state in an article from the NFIB by CLICKING HERE.

From the Colorado Department of Labor and Employment Division of Worker’s Compensation Employer’s Guide:

“All public and private employers in Colorado, with limited exceptions, must provide workers’ compensation coverage for their employees if one or more full- …

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Commercial Property Insurance Keeps You on Track

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Homeowner’s Insurance, Auto Insurance, and Renter’s Insurance, no one questions why these are important. Make sure you have Commercial Property Insurance for your business.

Commercial Property Insurance is vital to protecting your business from being put out of commission if something were to happen to the physical assets used by your business. These assets may include the building or buildings your company owns, the equipment inside and outside of those buildings, any signage that you have, and your inventory. Many Commercial Property Insurance policies can also include additional coverages, like:

Builder’s Risk: protects any materials or equipment from damage or …

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What to Do After a Car Accident

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Immediately below is an Accident Checklist or “I Had a Car Accident, Now What?” Checklist.  Print it off and keep it in your glove box (along with a pen) to help you save time, money and a lot of headache after an automobile collision.

Car Accident Checklist

Before you have the opportunity to get into a collision, make sure that you have your Car Accident Checklist, a disposable camera, a pen, and a pad of paper in your glove box to document the damages to your vehicle.  Then you will be more prepared for when you get unexpectedly rear-ended in …

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Are You Eligible for a Business Owner’s Policy?

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All businesses are not created equal in the eyes of insurance companies, but fortunately for some, there is the Business Owner’s Policy, or “BOP.”

A Business Owner’s Policy is a type of business insurance policy that combines several different commercial insurance policies and policy additions into one convenient package that typically saves the company money and makes filing a claim easier. You can learn more about BOPs by reading our Business Owners Policy Page, HERE.

As the title of this blog suggests, not all businesses can qualify for a business owner’s policy. There are four categories of qualification that …

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What is Wedding Insurance and Why Do We Need It?

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Weddings are fun and wonderful events, but sometimes they get a little too fun. Don’t let a rowdy guest ruin your honeymoon. Get Wedding Insurance for your big day!

There are two kinds of wedding insurance, Wedding Liability Insurance and Wedding Cancellation Insurance.  Either or both may be required by your chosen wedding venue, but both are very helpful when unforeseen circumstances arise.  Each is explained below, but you should contact an insurance agent with specific questions about either policy type.

Wedding Liability Insurance:

This, like other liability insurance policies, protects you from being held financially responsible for damage or bodily …

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