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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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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