Insurance

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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Business Bonds: What, Why, and How!

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Your company may need some kind of business bond or license, whether it is a performance bond, surety bond, or liquor license.  It is important to know your needs, so you can remain protected.

At Insurance Town and Country, our bond specialists offer several small business bond solutions that can serve a variety of needs.  To help you realize what those needs may be, we have listed our services and provided a short explanation of each option.  If you would like any additional assistance, we are happy to help; just call or email either of our offices with the information …

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Summertime Means Business for Mobile Companies

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If your business has company vehicles, you may want to review your commercial auto insurance policy before business really picks up.

For many companies whose business means being on the road, summer is the busy season.  Whether you work in a food truck, on a construction site, or giving jeep tours, you need to have dependable, up-to-date, and comprehensive commercial auto insurance.  At Insurance Town and Country, we understand that every mobile business is different; a fleet of snow plows and taco truck will have different coverage concerns and budgets.

Our insurance agents work with you to customize your business insurance …

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Insurance Dictionary: “Act of God”

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You often hear “Act of God” tossed around when describing an insurance claim, but do you really know what qualifies as an “Act of God?”

First of all, “Act of God” is rarely used in actual policy writing. It is more of a saying to describe unavoidable, natural events. Not all insurance companies use the same criteria for what constitutes an “Act of God,” so it is important to ask your insurance agent for the specific circumstances that are included in your policy. That being said, here are some examples of common “Act of God” policy claims.

Natural Disasters: Earthquakes, hurricanes,…

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Disability Insurance and Overhead Expense Insurance

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If your business relies on key employees to keep operations going, you may want to consider purchasing Overhead Expense Insurance for your company and Disability Insurance for your employees.

Overhead Expense Insurance is a policy that is built for small and medium businesses whose ability to earn money comes from personal service. If you own a boutique advertising company, intimate retail store, or some other business that depends on you or a handful of key employees to run, this type of policy will provide income replacement to the business while you recover from injury of illness. This policy also helps …

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Spring Clean Your Insurance Policy

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While you’ve been inside picking through your attic and trying to bring yourself to get rid of those old clothes that haven’t fit in years, you should be preparing to do an annual Spring cleaning of your insurance policy.  We recommend that all of our customers do an annual review of their insurance policies to make adjustments to match the changes in their lives.  Spring is the perfect time to set up an appointment with your insurance agent to discuss what policy changes might benefit your current situation.

We have included some examples of scenarios that would benefit from an …

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Memorial Day: Appreciating Our Veterans

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Memorial Day can be a day of mixed feelings. On one hand, we are happy; looking around you can see why so many men and women have fought and died to protect the freedoms we enjoy as Americans. Our beautiful parks, the towering skyscrapers, museums filled with art and history, and the ability to freely experience all of it with the ones we love. On another, we swell with appreciation for the members of our armed forces who fight until their last breath to keep our communities safe from not only the threat war, but natural disaster. In the pit …

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Fire Insurance: Don’t Let Your Future Go Up In Flames

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No one expects to be affected by a fire. Whether you are thinking about your business or your home, it’s just not something that crosses your mind. Fire insurance is one of those policies or policy additions that people put off, because they think “A fire? That’ll never happen to me.” But it does.

With the uncharacteristically wet spring Colorado has had this year, many business and homeowners will put off getting coverage, but this is a mistake. Wet weather this year means that the naturally occurring wildfires that affect Colorado might not burn as much vegetation, leading to a buildup …

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Company Changes May Affect Commercial Auto Insurance

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Commercial Auto Insurance is a vital part of any mobile business’s operations.  At Insurance Town & Country, we get to know the needs of your small business and find a customized Commercial Auto Insurance plan that makes sense and saves you money.  When creating a custom policy for your commercial automobile or automobiles, there are several coverage options. Each of the following coverages, among others, are available, Bodily Injury Liability, Property Damage Liability, Medical Payments, Comprehensive Coverage, Collision Coverage, GAP Coverage, Uninsured and Underinsured Motorist Bodily Injury Coverage, and Bailee Coverage.

Your business may require a more specific policy addition …

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