At 1st Colorado Insurors we are constantly trying to help you keep the lowest rates on homeowners insurance. One way to do this is to know what to do in the event of a claim to minimize the impact on yourhomeowners insurance rates.
For example: What do I do in the event of a broken pipe or an overflowing toilet? It’s 5:30 p.m. and you are just getting home after a long day at work. As you are putting your key into the lock the only thing you can think about is relaxing for the evening.
Unfortunately, when you take that first step into your home all you hear and feel is squish. The last thing you ever expected has happened…a water pipe has broken or the toilet has overflowed, filing your home with water.
Hopefully this never happens to you. But if it does, here are a few tips to help you get your
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What factors affect your car insurance premium the most?
When shopping for a vehicle most people understand that newer, more expensive cars cost the most. However, there are several other factors that also determine how much it costs to insure your vehicle.
These factors can result in a difference in premium between two seemingly similar makes and models. If you are looking to keep your insurance premiums low, there are a few things to remember, even if you are comparing similar types of vehicles.
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Commercial Umbrella: protecting your business assets
Catastrophic claims are difficult to predict and can deliver a crippling blow to your business if the exposures are not properly covered. One way to provide peace of mind for you and your business is to purchase a commercial umbrella policy.
Just because you don’t live in the Special Flood Hazard Area, or the 100 year flood plain, doesn’t mean you are safe from the number one cause of property damage: floods.
Consider these facts:
- Nearly all insurance policies providing multi-peril property coverage exclude flood damage. This includes most homeowners policies.
- Just because you haven’t experienced a flood in the past doesn’t mean you won’t in the future. Flood risk is not just based on history, it’s also based on a number of factors. Rainfall, river-flow and tidal-surge data, topography, flood control measures and changes due to building and development all effect flood risk.
- It is estimated that 40% of all flood losses occur outside of the 100 year flood plain and that 99% of these losses are uninsured.
- The average cost of property
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Protecting your employees from slips, trips and falls.
As a business owner, one of your primary concerns should be protecting your most valuable assets. Most peopler agree the earning power of the owners and employees is one of the main assets of any business.
Slips, trips and falls
Slips, trips and falls cause the majority of general industry accidents and 15 percent of all accidental deaths. They cause more fatalities than all other causes but motor vehicles. In the construction industry, falls are the leading cause of worker fatalities. Each year between 150 and 200 workers on average are killed and more than 100,000 are injured as a result of falls at construction sites.
The Occupational Safety and Health Administration (OSHA) has recently revised its construction industry safety standards and developed systems and procedures designed
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