Does Commercial Insurance Cover Damage From Hail?

Businesses are faced with a wide variety of threats, including damage from a hail storm. Hail damage is one of the most costly types of damage in the country and affects many businesses yearly. That is why it is important to know if a business is covered if they receive damage from a hail storm.

Hail Damage To A Business

Having adequate commercial insurance will protect a business from threats such as hail damage. Most commercial insurance policies have this coverage built in, but it’s important to make sure before purchasing a policy. If the policy does not have the coverage built in, find out if there is an option to purchase a rider to get protection to avoid losses. No one knows when hail will be a threat, which is why it is important to not take chances when it comes to nature. 

Getting The Right Coverage

Fiding the right type of commercial coverage can mean having security and protection from potential disastrous events such as hail. Before selecting a commercial insurance policy, make sure to work with an insurance provider who is experienced in the industry and has a reputation for excellent customer service. People who own businesses in or around the Wheat Ridge, CO area, know that they can count on CO Insurance Specialist to guide them through the process of selecting the right insurance with the right features built in for their individual needs. 

Anyone who is interested in finding high quality, dependable insurance that can protect from threats as a result of the weather should stop by or call the CO Insurance Specialist to get more information and discover products designed to protect the business owners in and around the Wheat Ridge, CO area. 

Important Information for Classic Car Owners Who Store Their Vehicle at a Storage Facility

Are you a classic car enthusiast? If you have worked on restoring a car, or have invested in a classic car, you understand that in most cases these vehicles are both an investment and a hobby. Many of the classic car owners in the greater Wheat Ridge, CO area store their classic cars in temperature-controlled storage facilities away from their homes. The team at CO Insurance Specialist can help you navigate the insurance process in such instances where your car is not kept at your primary residence. 

Is your classic car at a storage unit?

When your car is kept at a location outside of your primary residence, your insurance needs may be different than you think. Classic cars represent a significant investment in both time and money, and it is important that you have the protection you need. If your car stays mainly in a garage and you take it out to classic car shows in the summer, your coverage needs will be different than someone who uses their classic car on a more frequent basis. It is important to review your policy for coverage levels and protection that is in line with your usage. Storage facilities that are away from your home, can require a separate policy in some cases. Whatever your usage levels are, wouldn’t it be nice to have the peace of mind that comes with knowing you are protected?

Do you want to make sure that your beloved classic car or cars have adequate insurance, no matter where they are? The team at CO Insurance Specialist is here to answer your questions and provide you with information pertaining to your classic car insurance options in the greater Wheat Ridge, CO area.

Quick Spring Cleaning Ideas

Need to give your home a quick dust-off for spring? There are a few ideas that can get your home ready for the upcoming season. In Wheat Ridge, CO, you’re invited to visit the CO Insurance Specialist place to talk with an independent agent about acquiring homeowners insurance.

Start with Your Carpets and Upholstery

Over the last few months, you probably didn’t worry about the carpets or upholstery too much. Now that the curtains are drawn back, it’s easier to see the dust, dirt, and pet care buildup in the natural light.

Start your spring cleaning process with a deep clean of your carpets. You can either rent a deep clean vacuum or hire a company to clean the carpets for you. Many companies will also clean your fabric-covered sofas, chairs, and couches.

Do-It-Yourself All-Purpose Cleaners

For a general-purpose cleaning, you can use a non-abrasive cleanser that is easy to use and you can make right at home. You probably already have many of these items on hand.

  • Baking soda and water – mix the two to the consistency of a paste. This is good for tubs, tile, and grout. Leave the paste on the surface for a few minutes and then rub with a scrub brush.
  • White vinegar, water, and a lemon rind – place in a spray bottle to use on glass showers, mirrors, and wall smudges. It can also deodorize your trash cans.
  • Add a little salt to white vinegar – this is good for cleaning items that are made of brass.

To take care of your home, the first thing you will need is homeowners insurance. Stop into the CO Insurance Specialist in Wheat Ridge, CO to purchase insurance. The expert independent insurance agents will also be able to guide you for your auto, commercial, and life insurance needs.

Top Seven Tips to Car Care

Top Seven Tips to Car Care

Your vehicle is your investment, and you want to keep it on the road and as long-lasting as possible.  If you live in the Wheat Ridge, CO area, you know that the extreme weather can take a toll on your vehicle.  Here are some tips to help take care of your car.

1.    Check the oil on a regular basis and have the oil and oil filter changed as indicated. 

2.    Have the cooling system flushed and the coolant changed annually to prevent corrosion and deposits from forming in the system.

3.    Refer to the owner’s manual for service intervals for the transmission and differential oils.  If you are a do-it-yourselfer, be sure to use the proper oil type and viscosity.

4.    Keep your vehicle clean, which can seem unnecessary, but it’s important to keep the underside clean and to get the winter road salt or chemicals off the car.  To maintain the paint job, it’s best to wax it every six months.

5.    Protect the interior plastic and vinyl parts by parking in the shade when possible, using a sun visor, and applying protectant to keep it from drying out.

6.    The driveline and all moving parts need lubrication to function properly and maintain their life.

7.    Brake fluid attracts moisture, and that means it can lead to corrosion and brake failure.  It’s best to bleed the system and replace the fluid once a year. 

CO Insurance Specialist

For over 30 years, CO Insurance Specialist have been helping people in the Wheat Ridge, CO area with insurance needs.  When it comes to auto insurance, we have the experience and expertise to help you find the right policy to fit your needs.  Contact an Insurance Specialist agent today.

What Business Owners Need to Know About Workers’ Comp Insurance

Despite the fact that you go to great lengths to keep your workspace safe, accidents do happen. When those accidents happen it can get expensive. Worker’s Compensation insurance is a way to protect yourself and your company from being held responsible for these costs.

What is Workers’ Compensation?

Workers’ compensation is an insurance policy that will kick in in the event that you have an employee who is injured on the job. This policy will pay for medical expenses and wage replacement while the employee is out of work. It will also pay for any liabilities that may result from a lawsuit. 

Why Do Employers Need This Insurance?

Employers are required by law in most states to carry workers’ compensation insurance. In addition to being required by law, this is a sound investment in the financial health of your company. Should an employee sustain a serious injury that would require extensive medical bills and much time out of work, you could be held liable through a lawsuit to pay for these expenses. This could put your entire company at risk if it were very costly. Paying the workers’ compensation premiums is much more affordable than being slammed with a hefty lawsuit. In addition, many workers view a good workers’ compensation plan as part of the benefits of being your employee. This tells them that you care about your employees and want to protect them. 

Is Everyone Required to Have This Insurance?

No, not all companies are required. Most states base their requirements on how many employees a company has on staff as well as other criteria. 

If you would like to learn more about workers’ compensation insurance, please contact our friendly staff at CO Insurance Specialist Wheat Ridge, CO. 

What is the difference between classic car insurance and regular auto insurance?

Everyone knows what auto insurance is. The buyer insures a vehicle in the event of an accident or other mishaps against damages, not only to the vehicle he or she owns but also to other vehicles involved in the mishap if the owner is found to be at fault. An auto insurance policy also covers property damage, medical expenses, and legal liability. Owners receive a settlement for the damaged car or its replacement value minus the depreciation, depending on the model, make, and year.

But what about a classic car, like a decades-old sports car or a rare, luxury vehicle like a Bentley or Rolls Royce? As CO Insurance Specialist, serving Wheat Ridge, CO would like to explain, a classic car is treated like any other luxury item, like jewels or furs. Classic car insurance thus covers an agreed-upon value of the vehicle. Generally, that value is assessed by a respected appraiser and listed in a guide book that lists classic cars.

The insured classic car should be in good condition. If the car is totaled in a wreck or an accident like a garage fire or is stolen and not recovered, the policy will pay for the full appraised cost of the vehicle.

Why should you get classic car insurance? A classic car represents a considerable investment, both in time and money. Owners of classic cars also enjoy keeping them running and in mint condition. A classic car insurance policy protects the investment and insures that the owner can at least have enough money to replace the item if the worst happens.

For more questions on classic car insurance, feel free to contact CO Insurance Specialist, serving Wheat Ridge, CO.

Is A Carport Covered In Home Insurance In Wheat Ridge?

In Wheat Ridge, CO, home insurance policies don’t have specific coverage for carport but it is usually covered under “other structure” coverage. This coverage is for detached structures like garage, fence, carport, shed, and others. 

A lot of homeowners look for ways to remove it from their coverage since they don’t own any of these. Unfortunately, it is a complete package. You cannot exclude it. What you can do is to look for a home insurance company that does not include other structures in the basics of their home insurance policy. CO Insurance Specialist is one of the insurance companies that does not include other structure in their package.

However, it is still important to find out the basics of a home insurance policy as offered by most insurance companies in CO.

It covers the repair or rebuilds of your home

When your home is damaged by natural disasters like wildfire and hurricane, this policy will repair or rebuild it. However, there are exceptions. Damages caused by routine wear and tear, earthquake, or flood are usually not covered. However, you could pay for additional coverage for any of them.

It covers your furniture and fittings

It is not likely that your home will be damaged without affecting your furniture, fittings, clothes, and other belongings. This is why most home insurance policies cover the damage done on them but it is often to an extent. Most companies will pay you about 50 to 70 percent of the total amount of insurance for your belongings.

It covers your liability

If you or any member of your family hurts someone, a lawsuit may be filed against you. Your home insurance policy will pay your legal fees and the medical bills incurred by the injured party. You are also liable if someone gets injured in your property. Your home insurance covers that too.

It covers your additional living expenses

You have to put up in a hotel if your home is being repaired. In this situation, your home insurance policy will cover all the hotel bills albeit for a limited amount of time. It is a good idea to ensure that your insurance policy covers this as it usually pushes your insurance company to fix your home sooner to avoid paying more hotel bills. 

If you don’t have any “other structure” and you don’t want it covered in your home insurance policy, contact CO Insurance Specialist. 

What You Need to Know About Adding Teens to Your Insurance

Having a teen driver in the house can be cause for anxiety for a lot of parents. This is new territory and can feel intimidating. However, by taking certain steps you can make this transitional time less stressful. It is important to make sure you have all of your bases covered, however. Keep reading to learn more about adding teen drivers to your insurance.

How Can I Keep My Teen Safe?

The most critical question in parents’ minds is how to keep their teen safe while driving. First, have open honest talks about texting and driving. It is so important for teens to understand that texting and driving is not allowed, ever. Next, make sure your teen participates in a driver’s ed program. These programs are very effective at producing safer drivers. Next, stay involved. Work patiently with your teen while they are learning to drive. Do not stress them out with your anxiety. Relax. 

When To Add My Teen To My Insurance

You will need to talk to your insurance provider to learn exactly when you will need to add your new teen driver to your policy. Be prepared for a change in your rates. This is unavoidable. There are ways to get discounts, however. Some providers make discounts for good grades, and of course explain to your teen that in order to keep insurance costs low, they must avoid unsafe driving practices and accidents. 

Set Clear Consequences

If your teen does not abide by safety rules and family rules, then there should be clear consequences in place. This will help your teen understand just how serious driving is, and how expensive it can get when you are not careful. 

If you would like to learn more about adding a teen to your auto insurance contact our friendly staff at CO Insurance Specialist in Wheat Ridge, CO. 

The Necessity of Commercial Insurance for business.

Commercial insurance aims at shielding a business together with its owner and his employees. It is a requirement of the law and also a good precaution to take in case a disaster strikes, your business, and its assets are covered. This way, the business does not close its doors when there is a disaster because the insurance cover you have takes care of any losses.

Wheat Ridge, CO specializes in commercial insurances for freelancers who have been on the increase lately. CO insurance Specialist has taken It upon themselves to encourage freelancers to insure themselves and their businesses and educate them on the types of commercial insurances below:
Property coverage: This is to freelance firms which include property for example home offices.  This insurance covers any damage that befalls the home office.
General liability: In case someone sustains a bodily injury and tries to sue you, commercial Insurance for SMME’s has you covered. This type of insurance also protects you and your business against libel, copyright issues and slander.

Professional liability: Sometimes your actions may cause your clients to have financial problems. This insurance coverage protects you from lawsuits in case the clients decide to sue you.

It is important to have commercial insurance to protect you and your business. Without a commercial or business insurance, you risk losing it all in case of a tragedy or if you get sued by a client.  Liability insurance protects you and makes sure you stay in business even when you lose a lawsuit. 

CO Insurance Specialist has got all freelancers in Wheat Ridge, CO covered. They have agents who serve all residents living near or in Wheat Ridge, CO. The agents are available, reliable and very customer friendly. It is imperative to do thorough research before choosing a commercial insurance cover to ascertain that the type of coverage you choose relies on the business you are involved in. Call us today for the best commercial insurance services.

Do You Need Classic Car Insurance If You Never Drive the Car?

If you own a classic car, it is recommended that you purchase classic car insurance over traditional auto insurance. One of the questions that we at CO Insurance Specialist, serving the greater Wheat Ridge, CO area, are asked, is whether you need classic car insurance if you never drive the car. Here is what you need to know. 

What is Classic Car Insurance?

Classic car insurance is insurance designed for classic cars. With traditional auto insurance, you only get paid what the Blue Book value of your car is worth if it is damaged or in an accident. This can be low for an older car. Classic car insurance pays you what the classic car is worth on the resale market, not based on Blue Book value. 

What Does Classic Car Insurance Cover?

Classic car insurance covers many different scenarios, depending on the type of insurance you purchase. Classic car insurance may cover accidents, damage to the vehicle when it is parked, theft or vandalism. Carefully read through the policy you are considering buying before you purchase it to ensure it has the coverages you are looking for. 

Do You Need Classic Car Insurance If the Car is Never Driven? 

You should carry classic car insurance, even if the car is never driven. A great policy will cover damage to the vehicle even when it is not being driven or theft. A good policy will help to protect the investment you made in the car, regardless of whether it is being driven or not. 

It is highly recommended that you purchase classic car insurance for your vehicle, even if you never drive the car. If you are in the market for classic car insurance in the greater Wheat Ridge, CO area, CO Insurance Specialist can help. Contact us today for a free quote or to learn more.