Insurance Resources
Plain-English guides to Colorado insurance: hail deductibles, non-renewals, wildfire, and how to buy coverage like you mean it.
Hitting a Deer or Elk in Colorado: Which Coverage Actually Pays
Every fall, Colorado’s mule deer and elk come down from the high country, and October and November are the months they cross our roads most. Migration…
Read the guideBuying a Fix-and-Flip? Vacant Property Coverage Basics
Every fix-and-flip deal has a line item for materials, labor, and holding costs, and almost none of them have a realistic line for insurance, because first-time…
Read the guideSnow and Ice Liability for Landlords and HOAs
Every Colorado winter produces the same claim in a hundred variations: someone slips on ice at a rental property or in a community’s common area, and…
Read the guideHired and Non-Owned Auto: The Colorado Coverage Gap When Your Team Drives Their Own Cars
It happens a hundred times a week across Colorado. An employee runs to the bank, picks up supplies, or drives to a client site in their…
Read the guideFall Home Maintenance That Prevents the Most Common Claims
Ask any Colorado insurance agent what fills the claims queue from November through March and you will hear the same answers: frozen pipes, water heaters that…
Read the guideInsuring a High-Value Home for What It Would Really Cost to Rebuild
Somewhere along the Front Range right now is a $2 million home insured like a $900,000 one, and the owner will not find out until the…
Read the guideDoes Your Business Need Professional Liability? The E&O Question for Service Firms
Every service business in Colorado carries two kinds of risk, and most only insure one of them. The first is physical: a client trips in your…
Read the guideCertificates of Insurance, Explained for Contractors and Small Business
No document in commercial insurance gets requested more and understood less than the certificate of insurance. Contractors need one to start work, landlords demand one before…
Read the guideBefore You Renew the Lease: A Landlord Insurance Checkup
Lease renewal season is the natural moment to look at your landlord insurance, because the same sit-down where you decide on rent and terms is where…
Read the guideRenting Your Place This Fall? Short-Term Rental Coverage Gaps to Close
Fall is when a lot of Colorado homeowners decide to start hosting: ski season bookings open up, the spare basement apartment starts looking like income, or…
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