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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Business Insurance Options: What’s the Difference?

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We at Insurance Town and Country offer a LOT of different options when it comes to choosing business insurance for your company; between the different insurance brands, policy types, additions, exemptions, and exceptions, there are hundreds of possibilities for your company to choose and that can get confusing. We’re here to help organize a business insurance plan that makes sense for your company’s unique business needs, but we know you’d like to have an idea about what products and services you need. Below we have explained the differences between Commercial General Liability, Commercial Umbrella, and Business Owner’s Policies to help …

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Business Owners Policy: Combine and Save

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Any business owner will tell you that keeping all of the accounts in order can be a hassle that takes valuable time away from focusing on serving the customer. A Business Owners Policy (BOP) helps lasso your company’s insurance policies into a convenient package. A BOP can also help save your company money, much like when you bundle your personal home and auto insurance. With a Business Owners Policy, your company can bundle Commercial Property Insurance, Commercial General Liability Insurance, and Crime Insurance into a single BOP, your company can even include additional coverage options based on your …

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Smoking Marijuana Affects Insurance Rates

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The week of 4/20 is a very popular time here in Colorado. We at Insurance Town & Country want to ensure that our customers make good decisions.  Whether you are a company providing insurance to your employees or an individual updating your various insurance policies, you are probably curious to know how your insurance may be affected if you or someone covered by one of your policies smokes pot.

Let us begin by saying that every situation is different and we highly recommend that you contact us with questions, so that we can provide answers that are accurate to your …

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Colorado Among Highest States for Identity Theft

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According to the Federal Trade Commission’s 2014 Consumer Sentinel Data Book, Colorado ranks in the top 10 states for per-capita fraud complaints and #13 for per-capita Identity Theft complaints.

To read the full report, click here.

Fraud and Identity Theft are serious problems that are affecting millions of Americans every year, and the situation is only getting worse. As hackers become more and more skilled and technology continues to advance, you are put at a higher risk of being defrauded or having your identity stolen with complaints having increased almost 8‑fold over the past 14 years. If you haven’t …

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The Importance of Additional Commercial Liability

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You may have Commercial General Liability Insurance, but is it the right insurance?
Is it enough?

Keeping your business protected is a constant battle in today’s vicious lawsuit happy culture.  Your current Commercial General Liability Insurance probably protects your business when incidents happen as a direct result of your regular operations.  However, there are many situations that may require additional commercial liability policies.  This article will cover three of the additional commercial liability policies most frequently needed by small businesses.

Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor.…

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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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