Tag Archives: Colorado

Nationwide Commercial Insurance Services Help Small Businesses Deal with Risk

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Looking for an exceptional Internet resource that provides a wealth of advice and information on Colorado and Texas commercial insurance? One of the most robust places to learn about industry specific policies, disaster planning, customer care, safety and loss control and a host of other insurance –related topics is the Nationwide Small Business Insurance Services page.

When you invest countless hours of blood, sweat and tears as well as personal money to get a small business off the ground, it becomes part of the family. The business needs to be nurtured, fed capital and cleansed with fresh ideas in order to maintain growth and stay afloat. Young businesses are especially susceptible to risk and thus need protection from any number of catastrophes, big and small, that can come out of nowhere.

Fortunately, a Nationwide business insurance policy comes with a knowledgeable local agent who not only understands the state insurance laws and coverages, but also the unique risks presented by weather or other intangibles specific your geographic region.

So whether you run a bakery, clothing boutique, day spa or sprawling ranch, consider researching your insurance options with one of our agents who specialize in Texas and Colorado business insurance policies. We even have access to a Risk Assessment tool which provides a report that calls attention to specific hazards based on your line of work.

We love to see small, local businesses grow in the community, let us help protect your future.

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Struggling Economy?…Not for Texas and Colorado Day Spas

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Spa Insurance | Texas & Colorado

Image via goa.park.hyatt.com

Not many industries have the advantage of staying resilient in a time of high unemployment and financial strain. Liquor stores and bars stand out for the stressed out masses seeking comfort in liquid form, but a healthier alternative is emerging for Texas and Colorado residents looking to turn elsewhere.

According to an article on KatyTimes.com titled, Career-changers finding opportunity in booming day spa industry:

“Penny-pinching Americans may not be willing to spend extra on some luxuries or comfort items, but a trip to the day spa can be seen as making sense for both economic and health reasons…People who once took long vacations and bought big-ticket luxury items are cutting back, but still want to feel like they are treating themselves.”

In past years, people were willing to splurge on expensive, week-long vacations, often dropping thousands of dollars for some well-deserved rest. Now, with tighter financial strains, staycations have emerged as a cost-effective way of getting re-programmed. Staycations are even more enjoyable when complimented by the serene and cleansing experience a day spa can provide, whether it’s a massage, acupuncture or a shiatsu massage followed by an exfoliating eucalyptus scrub.

Depending on the services provided, day spas have a unique set of insurance demands that are best reviewed by someone familiar with Texas and Colorado business insurance law. Anytime you’re submerging people in mud or impaling them with needles, there’s coverage and Texas spa insurance requirements necessary to mitigate potential risks.

While we can’t give massages ourselves, we’re happy to discuss insurance for Texas and Colorado spas, because everyone needs time to unwind.  

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Do I need Off-road vehicle Insurance?

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Jeep insuranceThe toys we buy as adults tend to get more expensive, and often, more dangerous as we get older. One extremely popular form of entertainment in Colorado, Texas and elsewhere in America is the use of off-road vehicles, whether it’s a dune buggy busting through sandy beaches or an all-terrain 4×4 jeep tackling the hills and trails of the backcountry.

Despite the fact that these vehicles don’t transit on traditional roads, many of the same insurance principles apply when it comes to theft and damages. Even more importantly, for those who race dirt bikes competitively or ride on state-owned trails, Colorado off-road vehicle insurance is often mandatory.

There are different factors that go into creating and off-road vehicle insurance policy, the first being the type of toy, whether it’s a dirtbike, ATV, jeep, side-by-side, dune buggy, snowmobile, tank, horse-drawn-chariot, hovercraft, blimp or other non-traditional mode of sporting transportation.

Aside from the type of vehicle, Automotive.com shares some information about typical off-road vehicle or ORV insurance policies:

“ORV policies come standard with: Increased liability coverage limits, non-collision accidents coverage, towed trailer or sled property coverage, additional property coverage for safety gear, such as goggles or helmets, and replacement/repair of aftermarket parts.

Not all risks will be covered. Your policy will protect against a specific set of damaging possibilities. Collision, fire, windstorm, theft, lightning, and vandalism are among the most common covered perils.”

The article also states that adventure toy wielding enthusiasts can also earn discounts by taking safe operations training  courses and also for installing safety equipment on off-road vehicles.

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What’s the difference between First Time Homeowners Insurance and a Regular Home Insurance?

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Being a first time homebuyer presents its own set of challenges and risks that are separate from a homeowner who’s lived under the same roof for five years. Understanding these differences can mean the difference between over-paying for coverage you don’t need and getting an insurance policy that covers the biggest investment in your life.

To be clear, home insurance in Texas and Colorado isn’t mandatory. However, many Texas and Colorado mortgage companies require homeowners to purchase insurance as part of their financial agreement. For a first-time homebuyer, this can be an arduous task. From researching supplemental coverage to determining potential liabilities and assessing risks your home could face from natural disasters, there’s a lot to consider.

In general, a Texas and Colorado homeowners insurance policy will cover:

  • The structure of your home
  • Replacement costs
  • Personal possessions (up to a set limit)
  • Living expenses in case of a disaster
  • Liability

First-time homeowners have a few extra considerations when considering policy options. The key features for new homeowners insurance include the following:

  • Dwelling Replacement Costs
  • Content Coverage
  • Accidental Water Leakage & Seepage
  • Identity Theft Coverage
  • Foundation Coverage

Another nice option is bundling insurance policies together to earn a discount. Whether it’s traditional auto and personal property insurance or supplemental umbrella and flood insurance, when you shop for insurance all in one place, you generally pay less than buying from several different carriers. And because Dagley accepts quotes from several different carriers, you’ll always get the most competitively priced policy available.

For more information to help you as a first-time homeowner, check out MSN.com’s, 7 Tips for First Time Homebuyers.

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Wildfire Evacuations Emphasize Importance of Colorado Home Insurance

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Saving lives is the priority in any natural disaster, and oftentimes evacuation is the only way to help local residents avoid a pending disaster. The wildfires burning in the Boulder, CO foothills

underscore the effectiveness of Colorado’s emergency response personnel in alerting residents and getting them to safety, but it also begs the question, what to do if you’re evacuated?

While homeowners insurance will help re-coup property losses sustained by fire, there’s also the cost of living expenses during an evacuation. Whether your home is burned or spared, it costs money to put yourself up in a hotel and break your normal routine because of an evacuation, and having appropriate Colorado home insurance can make a stressful situation much more tolerable.

Policies can differ depending on the level of coverage, but if you live is a flood or wildfire prone area, it’s a smart idea to review what would be best with a local insurance agent who understands the local risks and advise on the best supplemental policies, if necessary. In general, a Colorado homeowner’s insurance policy will cover the following items:

  • The structure of your home
  • Replacement costs
  • Personal possessions (up to a set limit)
  • Living expenses in case of a disaster
  • Liability

We wish our best to those affected by the Colorado wildfires. We’re thankful there have been no reported deaths, but the evacuation of over 1,000 homes shows the seriousness of these fires. We applaud the American Red Cross for opening temporary relief shelters (at the Coors Event Center and University of Colorado) and our thoughts and prayers will be with the firefighters doing their best tpo get things under control.

Update on the currently evacuated Colorado areas, according to the Denver Post:

“Homes in a 3-square mile area around Gold Hill, the Mountain Meadows and Sierra Antigua subdivisions and Salina were first evacuated… subdivisions in the foothills above Boulder including Pine Brook Hills, Boulder Heights and Whispering Pines were evacuated. Additionally, anyone from mile marker 3 in Sugarloaf to Boulder Canyon; and Lickskillet west to Sawmill was ordered to leave. Sugarloaf Road from Colorado 119 to Colorado 72, also known as the Peak to Peak Highway, was evacuated.”

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