Snowboarding Tips to Avoid Accidents and Injuries

Snowboarding in or around Centennial, CO is a fun sport for people of all ages and experience levels. Like any sport it is important to be safe and aware of your surroundings. If you are new to snowboarding there are some safety measures that you need to be aware of before you hit the slopes. Here are a few tips to help you avoid accidents and injuries while snowboarding.

Dress Appropriately

Simply being outside in the cold and snow can be uncomfortable, but traveling down a slope at a high rate of speed can quickly increase the cold as well as your risk of injury. It is extremely important that you wear the appropriate clothing and snow gear to prevent the risk of frostbite, sunburn and hypothermia. It is best to wear a few light layers of clothing instead of one heavy layer, which can restrict your movement. It is also essential that you wear eye covering, gloves and a hat and for some people, such as young children, a helmet is highly recommended.

Know the Slope Safety Rules

Safety is the number one priority when snowboarding, especially if you are new to the sport or have never been on a snow slope. It is essential that you are in reasonably good shape, which will help you retain your balance, without overworking your muscles and risking injury. To prepare for snowboarding, its best to stretch your muscles and do warm-up exercises before starting. As a beginner, you should never go alone and always start on the smallest slope, preferably with an instructor’s guidance.

Before you pack up and head off for your snowboarding adventure, it is important to make sure all of your insurance is up to date, including your health insurance and snowboard coverage. Be sure to talk with your insurance agent about what type of coverage you will need in the case of an accident or if something, such as theft occurs to your snowboard.

Residents of Centennial, CO who want to learn more information about snowboard insurance coverage, should contact Compass Insurance.

Boat Insurance Checklist

When getting insurance for your boat in Centennial, CO, there are some things to keep in mind. It is a smart idea to have a checklist in order to make sure you are getting the coverage you need. An agent at Compass Insurance can help you find the right insurance for your situation.

What Does Your Insurance Cover?

Comprehensive coverage will normally cover theft, accidental loss, or damage.

Do You Have Replacement Costs Covered?

If you want to replace your boat after an accident, you will need to have coverage that is for close to the current market value of your boat. You can adjust to account for depreciation at each renewal.

Lay Up Options

If you are not using your boat during a specific period of time, then you may be able to use this type of insurance so you can get a discount on your policy. You must keep in mind that you won’t be covered for any damage to your boat during this period.

Geographic Limits

Your insurance policy will have certain physical and water limits. If you want to take your boat around the country, you need to have a policy that will cover anywhere.

Trailer Coverage

If you have a boat, you likely have a trailer that goes with it. It’s a good idea to have coverage for your trailer, along with your boat insurance policy.

Accessory Equipment

This coverage should include your navigation equipment, lighting, and stereo system. A good policy will have coverage up to a certain amount and then have the options to purchase additional coverage.

No Mileage Restrictions

You don’t want coverage that restricts your mileage from where your boat is garaged or stored. Many policies should cover at least 75 miles and give you the option to increase if you need to.

Contact Compass Insurance serving Centennial, CO to find the right boat insurance.

Why Your Business Needs Commercial Insurance

Every business owner understands the fact that running a business comes with numerous inherent risks that you can’t avoid. A natural disaster could destroy your business property, or your customer could file a lawsuit against your business leading to significant financial losses that could even bring down the entire company.

Therefore, commercial insurance from Compass Insurance is necessary to protect your business and personal assets against such worst-case scenarios that could occur. Here are some of the top reasons why your business requires commercial insurance.

It’s the Law

The law in most states across the US requires all businesses to have specific types of insurance depending on the size of the business. For instance, your business is expected to have a liability insurance policy to cover the medical bills of your clients who may get hurt at your business premises.

Failure to carry the legally required business coverage could result in hefty fines, exclusion from the public contracts, and a possible jail term. So, before you think of any other benefit, think about the legal implications if you fail to purchase a commercial insurance policy for your business in Centennial, CO.

To Protect Your Business Property and Assets

The other reason why you should purchase a commercial insurance policy from Compass Insurance is that it protects your business property from disasters and theft. Remember the fact that some of your business equipment is expensive to acquire and without the necessary coverage; you could find yourself in a mess when the worst happens. 

The property insurance coverage is also designed to protect your business premises and everything inside the building. This coverage will protect your enterprise from losses associated with some of the expensive business equipment when the damage is caused by an external covered event.

The Other Party May Not Be Insured

What is the first thing that comes to your mind when the negligence of another person damages your business property? You hope that the responsible party has sufficient insurance to cover the damage. But, what will happen if this isn’t the case? You will need your commercial insurance coverage to help you cover the loss.

Are you a business owner in Centennial, CO? Contact us today for a client-friendly commercial insurance policy.

What is Snowboard Insurance?

Visitors from all over the world come to the Centennial, CO area to enjoy the pristine mountain snows. A snowboard insurance policy from Compass Insurance ensures winter sports enthusiasts are protected throughout their adventure. What is snowboard insurance? Why do you need it?

What It Is

Snowboard insurance is a travel insurance product. Like all travel insurance policies, it protects vacationers financially in a number of different scenarios.

  • Baggage coverage pays for lost, damaged, or delayed luggage, including your snowboard and ski equipment. If your baggage is simply delayed, this coverage provides funds to purchase temporary replacement toiletries, clothing, and other essentials until your goods are recovered.
  • Cancellation coverage ensures you won’t lose your entire investment if your plans change at the last minute. All cancellation reasons may not be covered. Check your policy for specific details.
  • Medical coverage helps pay for treatment if you’re hurt during your getaway.
  • Emergency repatriation coverage pays the costs associated with search and rescue missions if things go wrong.
  • Equipment coverage pays for replacements or repairs on your skis and snowboards.
  • Trip interruption coverage reduces your lost investment if you have to cut your vacation short.
  • Travel delay coverage reimburses you for any extra expenses incurred due to problems with transportation. If you miss a connecting flight and need to stay in a hotel room overnight, this coverage will pay you back.

Snowboard insurance protects your financial investment in leisure activities. Coverage is available for different lengths of time. Those who travel frequently may consider buying a more permanent policy with fuller coverage options. It’s best to purchase your snowboard insurance policy as early as possible. This gives you the best coverage for possible cancellations and other potential inconveniences.

Planning a winter getaway in the Centennial, CO area? Contact the experts at Compass Insurance for more information on protecting your leisure time with snowboard insurance.

4 Things to Know About Home Insurance

Getting home insurance is an important part of life, but it’s vital to get that insurance from a trusted company that you can rely on. Insuring your Centennial, CO home through Compass Insurance can give you peace of mind, so you can enjoy your home and not worry about whether you’re protected. If you’re not sure about the policy you’re getting, you can also talk to the knowledgeable agents at the insurance company to make sure you’re making an informed decision. Reviewing your policy periodically is important, as well, and with the right agent that’s much easier to do. Here are four other things you need to know about home insurance.

1. If you have a mortgage, you need a home insurance policy to protect you and the lender who holds that mortgage.

2. It’s generally good to have a policy for full replacement cost, in case of a total loss of your home.

3. The right agent and company can help you get the best policy for your needs, so you have enough coverage but not too much.

4. Even if your home is paid for, insurance is important to protect your investment and keep that investment safe.

Overall, you want to have a strong policy that protects your home from issues that could arise. If you work with the right company, you’ll have a much better chance of that and less to worry about. That higher level of peace of mind can be a good way to focus on the things that matter most to you, instead of worrying about your house. By insuring your Centennial, CO property through Compass Insurance, you have a great opportunity to get the right policy for your needs and keep your investment protected both now and in the future.

All about Snowboard Insurance Coverage

Snowboarding is both a recreational and professional activity that has grown its popularity in winter sports. The need for a specialized insurance to cover snowboarders is what led to the emergence of snowboard insurance. It’s intended to protect you from any unforeseen circumstances during your snowboarding activities. If you are interested in snowboarding, you’ve probably invested a lot in buying the necessary equipment, and insuring them with snowboard insurance from Compass Insurance is the most logical way to protect them and enjoy your snowboarding activities worry-free.
 
Even though snowboarding is a fun winter activity, accidents from this sport can be very severe, ranging from wrists to head injuries. It’s not mandatory to have snowboard insurance in Centennial, CO, but even so, it’s important to protect yourself from unknown risks. Some of the coverage options you can choose from include: 
 
Medical expenses: Covers you from any injuries sustained while snowboarding by taking care of the medical expenses. It can also include emergency rescue services such as air ambulance.
 
Loss of use: Coming in the form of monetary value, this part of your policy compensates you for the days that you’re incapable of snowboarding due to bad weather. 
 
Personal Liability: Covers you against any liability claims if you cause bodily injury or property damage to someone else during your snowboarding activities.
 
Equipment cover: It’s common to lose or damage snowboarding equipment like boards, boots, bindings, helmets, and much more. A good snowboard insurance should be able to cover you from such losses.
 
Whether you plan to snowboard all year round or just go for a single trip, Compass Insurance offers customized snowboard insurance that fits every snowboarder’s needs. Choosing the right coverage may be challenging, so, let our knowledgeable local agents help you understand what works for you. We service the areas of Centennial, CO and its environs. For more information, contact us today.

How Much Commercial Insurance Do I Need?

If you own a business, there are many different important decisions that you will have to make. One of the most important decisions that you will have to make as a business owner is the decision to buy commercial insurance. There are several factors that you will need to take into consideration when trying to determine how much commercial insurance you need.

Workers Compensation

One of the most important types of insurance that you will need for your commercial insurance policy is workers compensation. For businesses in the Centennial, CO area, as well as the rest of the state of Colorado, having workers compensation insurance is in place if you have one or more employees.  You will want to have enough coverage to ensure it comfortably covers your employee’s medical bills if they are injured.  

Liability Needs

When you are trying to determine how much commercial insurance you need for your business, you also need to consider your liability risk.  All businesses are taking on liability when they serve customers and have anyone to their place of business.  The amount of liability insurance protection you should have will need to be based on the potential loss that you could incur if someone is injured using your product or service. 

For those that are in the Centennial, CO area, choosing the right type of commercial insurance and the right policy amounts is a big decision.  While a business owner wants to make sure they have good coverage, getting too much is a waste of money.  For those that are looking to better understand their commercial insurance needs, speaking with Compass Insurance would be a great option.  Compass Insurance will help to explain to you what the right types of coverage and policy limits are based on the risks of your business. 

 

 

 

These Three Things Might Increase Your Auto Insurance Premium

Insurance companies spend years collecting information about your driving record, life, and estimated safety. Compass Insurance wants to give you the heads up on your auto insurance premium, and we intend to help you get the lowest prices possible.

As your Centennial, CO source of auto insurance, and we’re giving back to the community which made us successful. The three factors below might be unexpectedly boosting your auto insurance premium. Take them to heart, and keep your costs as low as possible.

Factor One: Your Vehicle’s Make and Model

Surprisingly, your vehicle’s type matters. As a general rule: More expensive vehicles cost more, insurance-wise. A sports car, for example, needs more coverage than a four-door family vehicle. If a vehicle is deemed to be “safer,” you’ll get lower quotes.

Factor Two: Your Area

In the eyes of an insurance company, not all areas are created equal. City drivers pay higher premiums than suburban drivers. The risk of vandalism, theft, and accidents is simply higher in city environments. If you’re living far away from any urban areas, you might save even more money on your insurance.

Factor Three: Your Claims History

You’re a valued customer, but you’re also an investment. Safe drivers can get lower premiums than drivers who’ve caused a lot of accidents. If you have an extensive history of insurance claims, you might have higher premium costs than most.

Make sure you’re paying attention to the road, and talk to your Compass Insurance agent if you have any questions. As your Centennial, CO auto insurance provider, we want to make sure you’re as safe as possible. Before picking an auto insurance policy, ask one of our providers what your estimated prices are. While costs differ on a driver to driver basis, you can likely get discounts for any number of reasons.

Should Expert Snowboarders Get Snowboarding Insurance?

At Compass Insurance, serving the greater Centennial, CO area, we are often asked many questions about snowboarding insurance. Here is a bit of information that those planning a snowboarding trip should know about this type of insurance. 

What is Snowboarding Insurance?

Snowboarding insurance is a type of vacation insurance. It does two main things. First, it helps to insure your trip in case of bad weather. If your flight is canceled or weather is so bad you cannot snowboard, snowboarding insurance helps to offset the costs so you are not out the money. For example, if your flight is canceled, it may be too late to cancel your hotel costs. The trip insurance portion of the coverage kicks in, covering the hotel expenses for you so you are not out the money. Secondly, snowboarding insurance covers your medical expenses if you are injured while snowboarding. This includes things like helicopter or ambulance rides to get you off a mountain quickly. 

Should Expert Snowboards Get Snowboarding Insurance?

Those who are expert snowboards may find themselves wondering if this is a type of insurance they need. This type of insurance can be beneficial, even for experts. Expert snowboards are just as likely to encounter bad weather which can wreck havoc on their trip or cause their flight to be canceled as anyone else. Secondly, while expert Snowboarders know how to snowboard, they can still injure themselves while engaging in this activity. As such, it can benefit them to carry this type of insurance going into their snowboarding trip. 

If you are a beginner snowboarder or an expert one, snowboarding insurance can be beneficial to you. Contact Compass Insurance, serving the greater Centennial, CO area today to price out the cost of insurance for your upcoming snowboarding trip. 

Does Boat Insurance Cover Damage To The Dock

Every property owner knows that accidents do happen. Your boat may bump into items on the way you did not see or suffer damage due to undercurrents. There is no cause for alarm; Compass Insurance Group has you covered when your boat collides with another boat or the dock as a result of strong winds or other factors in the Centennial, CO area.

Liabilities associated with collisions and dock damage are covered by most boat insurance plans. A lender may require insurance coverage for people with existing boat loans to safeguard their financial investment from liability for any loss until they’ve received full payment. Although some states do not require boat insurance, it is a requirement in most marinas for people docking their boat.

Boat Insurance Coverage

Most of the docks and other structures a boat collides with are built in such a way to withstand such impact, but it may eventually sustain damage due to other factors like climate change. As a result, accelerating while certain roping is still attached to the dock may cause damage. It is essential to maintain adequate boat insurance to handle costs incurred by such accident.

It is important to note that most insurance policies have coverage limits. Most insurance firms require you to carry out routine maintenance checks on boats and docks to ensure that they are structurally sound.

It is necessary to regularly update your insurance policy and maintain a high value that can cover all possible types of losses. It is desirable to be able to file an insurance claim than to have to handle liability and the cost of repairs from your purse. You can learn more about our policy at Compass Insurance Group and obtain needful coverage for enhanced boat protection in Centennial, CO. Securing the right boat insurance is key to having a pleasant boating experience.