Why Business Owners Need Commercial Insurance While They Work At Home

CO Insurance Specialist offers insurance coverage to the Wheat Ridge, CO community. For over 25 years, we have helped our clients find the policies they need to protect their assets. We proudly serve as an independent insurance agency.

Why Commercial Insurance Is Important For Work Home Businesses

Commercial insurance helps Wheat Ridge, CO business owners protect their investments. The policy covers your property if it is damaged or stolen. Liability coverage protects your business if a customer slips and falls while visiting your business or alleges that using one of your products caused an injury or illness. Workers’ compensation protects your business from being held liable if an employee suffers an injury on the job. If you are operating your business from home, commercial insurance is still beneficial in several ways.

Cybersecurity Coverage

If you are operating your business from home, you are likely using a tablet, computer, or some other type of electronics to operate your business. Hackers may attempt to capitalize on this and corrupt your data. Consider adding cyber coverage to your commercial insurance policy. Cyber coverage will help you avoid serious losses if your business network is compromised.

Property Coverage

Business property coverage protects your items if they are damaged or stolen. Take inventory of your personal items used to operate your business before adding coverage.

Business Interruption Coverage

In the event that a disaster occurs and you are unable to operate your business, business interruption coverage will help your business stay afloat until things are restored.

Commercial Auto Coverage

While you are operating your business from home, if you need to use your vehicle to complete tasks, you’ll need commercial coverage. Commercial auto coverage protects your vehicle if it is damaged while you are using it for business-related endeavors.

CO Insurance Specialist Will Help You Protect Your Business

Visit our website today to learn more information about commercial insurance.

Classic Car Insurance Can Help Protect Your Ride

For anyone who owns a classic car, getting the proper insurance policy is important. Unlike regular car coverage, classic car insurance protects a vehicle that’s not commonly seen today and could be very difficult to get parts for. These kinds of vehicles need more than just standard auto coverage, but if they’re being driven on public roads they also have to have the same basic types of coverage as more modern cars. If you’re in the Wheat Ridge, CO area and have a classic vehicle, you can get a policy from CO Insurance Specialist so you can have the type of coverage you really need.

Protecting your classic vehicle is a vital part of enjoying it, whether you’re driving it daily or only taking it to shows around the country. You may have spent a lot of time and effort making the car perfect, or maybe you bought it from someone with all the work already done. It doesn’t matter how you got your classic car looking so great, because either way, you need to protect it. Not only will the right policy add to your peace of mind, but it may also encourage you to drive and enjoy your classic vehicle more, knowing that it’s protected.

Reach out to us at CO Insurance Specialist today, if you’re in the Wheat Ridge, CO area and need classic car insurance. Our trained and dedicated agents are committed to helping you get the right kind of policy for your classic vehicle. Not only can that help you have more fun with your ride, but it can also help ensure that you feel better about the protection you have for a vehicle that means a lot to you. Standard insurance just won’t be enough, but the right policy is available for your needs.

Who should get home insurance in Wheat Ridge?

For those that are moving to the state of Colorado, Wheat Ridge, CO can be a great place to live. This community is near Denver and the local mountains, which offers plenty of options for recreation. When you are looking to purchase a home in this area, you will want to know that you are properly covered at all times. There are many situations in which a property owner should get a home insurance plan. 

Those that Want to Protect Asset

A situation when it is a good idea to get a home insurance plan is when you want to protect your property. Your home will likely be the most valuable asset that you will ever own. Due to this, you need to ensure that you protect this asset as well as possible. Those that get home insurance are going to have coverage if their home is damaged or destroyed. 

Those that Want Liability Protection

Anyone that owns a home will have some personal liability risk. If there is ever an accident that happens in your home and someone is hurt, you could be responsible for the damages. When you get home insurance, there will be components of coverage that will offer protection against this risk. This could prove to be very helpful in some challenging situations. 

Anyone that is looking to get a home insurance plan in the Wheat Ridge, CO area should speak with the team at the CO Insurance Specialist. If you are going to call the CO Insurance Specialist you are going to receive great support and guidance. The team here is able to provide you with personalized guidance and support, which ensures you will be able to pick an insurance plan that covers your home and provides you with comfort. 

Does your auto policy include roadside assistance?

Wheat Ridge, CO residents rely on CO Insurance Specialist for their insurance needs. If you are in the process of purchasing a new vehicle, or it is time to update your current policy, we are here to help. Auto insurance protects you and your family in the event of a loss, and it can also provide some useful benefits. 

Benefits of Roadside Assistance in Colorado

Colorado is an amazing place to live, but it does have quite a lot of roadside hazards! From breakdowns to run-ins with wildlife, roadside assistance in the state is a must-have! Weather can be unpredictable and at times dangerous, especially in mountain areas. There’s no reason to find yourself stranded by the side of the road when there is roadside assistance available with your auto insurance policy. If you run out of gas, encounter inclement weather, have a breakdown or hit a deer or other wildlife, you will enjoy having protection from your policy. 

In fact, there are a number of great features that a robust policy can provide. Yes, it’s important to have the proper level of protection from your policy while also enjoying the advantage of having features like roadside assistance, car rental coverage, and other similar benefits. Now is a great time to learn more about all the different types of auto insurance policies that are available to vehicle owners in our area. Why not find out more today?

We’re here to help you meet all of your auto insurance needs!

We love serving the Wheat Ridge, CO area and look forward to the opportunity to work with you too! Call or stop by the CO Insurance Specialist office today to learn more about the many auto insurance options that are available in our area.

Required Commercial Insurance in Colorado

In Colorado, there are certain types of insurance policies that are required for business owners to have. If you don’t have the insurance you need for your business, or you want more, call us in Wheat Ridge, CO to talk to a CO Insurance Specialist.

Workers’ Compensation Coverage

In Colorado businesses, it is required to have a workers’ compensation policy for your employees. No matter how many employees you have, even if it’s just one, this insurance has to be in place. And, if you have someone who performs work for your business, the state presumes that they are an employee and subject to workers’ compensation coverage. 

Commercial Auto Coverage

If your business owns a vehicle, it is required that it have a commercial auto insurance policy. The policy has mandatory minimums for the amount of bodily injury liability you have for one person hurt in an accident. It must have another minimum coverage amount for everyone who is injured. It also must have a specific minimum for property damage liability that comes from an accident. 

If you use your personal car for business tasks, a personal auto insurance policy likely won’t payout for an accident that happens when it is driven for business purposes. There’s a different type of insurance for those cars called non-owned and hired insurance. 

Optional Insurance for Small Businesses

While these policies are required for small businesses, there are many other types of coverage that are optional. This includes a business owner’s policy, general liability coverage, and cyber liability insurance. Professional liability insurance is highly needed for certain types of businesses. 

Get Your Business Covered

If you need insurance for your small business, call our Wheat Ridge, CO office and make an appointment to speak with a CO Insurance Specialist about the best policies for your business. 

What Does Classic Car Insurance Cover?

You have purchased a classic car and the next thing on your list should be obtaining the proper insurance policy to protect it. The classic car insurance agents at the CO Insurance Specialist in Wheat Ridge, CO understand the importance of providing you with the correct policy to cover the investment you have made in your beautiful classic car.

A classic car insurance policy includes a variety of different vehicles, including classic or antique cars and trucks, exotic vehicles, hot rods, muscle cars, vintage military vehicles, and certain luxury vehicles. While non-classic vehicles depreciate in value over time, classic, collectible, and vintage cars are different in the fact that their value actually increases the longer you own one. 

Classic car insurance covers a classic car’s value and does not take into consideration since a classic car does not depreciate like regular vehicles do since you do not drive it on any type of regular basis. This is due to the fact that as you restore a classic car, and it becomes even older and more classic, its value increases along with your insurance coverage amount.

Classic Car Coverage Options

Classic car insurance provides the usual auto liability coverage that you need when driving your vehicle on public roads since occasionally you will be driving it to or from a car show or other event. You should also obtain a comprehensive policy that will cover your classic car if it is damaged or destroyed by an act of vandalism, a fire, or a natural disaster. If your classic car is stolen, your classic car insurance policy will pay to replace the vehicle or provide you the amount of money the vehicle was worth at the time it was stolen.

Get a Quote!

To obtain a quote and make an appointment with an experienced classic car insurance agent, call upon the agents at the CO Insurance Specialist in Wheat Ridge, CO today!

Home Insurance Requirements and Coverage Options

One of the largest, most exciting investments you will make in your lifetime is the purchase of your home and you will want to protect it properly through an excellent home insurance policy. The agents the CO Insurance Specialist in Wheat Ridge, CO are prepared to help you create the best home insurance policy for you and your situation.

If you have a mortgage or second mortgage on your home, you will probably be required to have a home insurance policy by your lender and even if you do not, it is a good idea to have a home insurance policy in place anyway.

Coverage Options of Home Insurance

Home insurance is designed to protect your investment in your house if it is damaged or destroyed by a fire, natural disaster, or vandalism. It will also cover your personal property, including your clothing, appliances, and furniture. It also includes liability insurance so that you are covered if someone is injured while visiting your home due to some sort of accident or mishap. If your home is broken into and items are stolen, your home insurance will help replace those items.

You and your home insurance agent can determine if other buildings and structures on your property are going to be covered. This part of your policy can include coverage for structures, such as sheds, decks, and garages.

Call for a Quote Today

To create the best home insurance policy for you and your situation, call upon the agents at the CO Insurance Specialist in Wheat Ridge, CO for a quote and an appointment to get your policy started so your beautiful home is covered and you have the solace in knowing that your investment is safe.

Who’s Covered by Your Auto Insurance Policy?

Like many people, you may loan out your vehicle from time to time to visit relatives or close friends. Before trusting others with your car, however, take time to review your auto insurance to ensure they’re protected by your coverage. You don’t want to be held responsible for damages if your relative or friend has an accident while driving your vehicle. In general, here’s how auto insurance from CO Insurance Specialist works to protect others who drive your vehicle.

Visiting Relatives

Visiting relatives are covered under your auto policy when occasionally driving your vehicle as long as they have a valid driver’s license and you’ve given them permission to drive your car. It’s important to be selective, however, in who you allow to drive your car. By sticking to safe drivers, there’s less chance of someone having an accident. You may also want to restrict their driving to safe areas in Wheat Ridge, CO to reduce the risk of accidents, theft, or vandalism.


Friends are also protected by your auto insurance as long as they have a valid driver’s license and permission to drive your car. It’s important to note that auto insurance follows the vehicle, not the driver. If your friend causes an accident while driving your vehicle, your insurance will pay for damages, which may affect your insurance costs. That’s why it’s important to be selective in who you allow to drive your car. 

Members of Your Household

All members of your household who have a valid driver’s license are protected by your auto insurance policy as long as they have permission to drive your vehicle. We recommend they be listed on your policy to receive the full benefits of your coverage. 

To learn more about auto insurance options and costs in Wheat Ridge, CO, call or visit CO Insurance Specialist today. 

Who in Colorado needs home insurance?

In the Wheat Ridge, CO area, owning a home can be a great long-term investment. Not only will it ensure that you have a stable place to live, but it can also provide you with a great investment for your future. If you do purchase a home here, you will want to protect that investment as well as you can. A great way to do this is by getting home insurance. There are several situations when someone here will need to have this insurance coverage.

When Taking Out a Loan

One situation when you will need to get home insurance is when you intend to take out a loan. Most people here will finance their home purchase with a mortgage. When you do get a mortgage, the lender is going to have some specific requirements that need to be met. This can include requiring that you escrow monthly for your home insurance payments, which ensures there will not be a coverage lapse.

When Trying to Protect Home

Even if you do not have specific insurance requirements, you should still look to get coverage simply to protect your asset. Your home is a very major and important asset that you need to cover and protect. With home insurance, you will have the coverage needed to protect this investment. 

It continues to be very important for people all over the Wheat Ridge, CO area to get home insurance. If you are going to look for a new insurance policy here, you should get guidance from someone that is experienced. The team at the CO Insurance Specialist can help you build a policy that is right for your situation. CO Insurance Specialist will review your specific needs to ensure that you are building a policy that gives great coverage and adequately protects your home. 

Three things to know about classic car insurance in Colorado

If you are the owner of a classic car, you need to buy a special kind of insurance known as classic car insurance. At CO Insurance Specialist, we offer classic car insurance to vehicle owners in Wheat Ridge, CO.

The following are three things that you should know about classic car insurance in Colorado.

Classic car insurance is designed for a vehicle that will hold its value.

There are several things that are unique about classic cars in comparison with standard automobiles when it comes to insurance policies. For one thing, classic cars tend to hold their value and not depreciate in value the way that standard vehicles do.

Therefore, classic car insurance policies often are based on an agreed-upon value rather than actual market value. That’s because classic cars depreciate little over time and may even increase in value.

How often you drive- or if you drive- your classic car will influence your policy.

Classic car owners don’t drive their vehicles as often as they would a standard vehicle. The less you drive your vehicle, the less expensive it is to insure.

Your insurance company is going to want to know if you drive your classic car often. You might not drive your classic car at all but only tow it to classic automobile shows. Vehicle usage will impact your policy terms and premium. 

Classic car owners sometimes opt for zero deductible policies. 

Zero deductible policies are often available for classic car policies. If you want a zero-deductible policy, ask your insurance provider about zero deductible classic car policy options. 

Are you ready to find the right classic car insurance policy for your needs? If so, it’s time to get in touch with us at CO Insurance Specialist. Contact us and we’ll answer all your questions about classic car insurance in Wheat Ridge, CO.