Does snowboarding insurance include helicopter recovery and air ambulance in Centennial, Colorado?

The advantage of living in Centennial is that you are hours away from the best snowboarding that Colorado has to offer. However, you want to make sure you have the right type of insurance before you hit the slopes. Snowboarding insurance can cover helicopter recovery, air ambulance, and other services that your regular health insurance won’t include.

Why You Need Specialist Snowboard Insurance

While standard health insurance can be helpful if you get into a snowboarding accident, there are many scenarios that your insurance won’t cover. If you break your leg on a busy slope at a popular resort, it probably won’t be difficult for ski patrol to transport you to the nearest hospital. In this case, your regular health insurance is likely to cover your expenses.

However, if you decide to go off the beaten path, you may need additional insurance. If you take on a remote slope or go backcountry snowboarding, you may need a helicopter or an air ambulance to come to your rescue. These services can be very expensive and won’t be covered in your regular insurance policy. A special ski and snowboard insurance policy will cover many of the evacuation expenses that you may incur on your trip.

How an Independent Agent Can Help

Even if you are planning to stay near the popular resorts, you may find your regular health insurance plan to be inadequate. An independent agent can help you obtain the right type of coverage so that you can just relax and enjoy the mountains. We have policies from several different companies so that you can choose the policy that meets your needs at the best value.

To prepare for your upcoming snowboarding adventure, contact us today to speak with an independent agent.

Is commercial insurance required for a service based business in Centennial, Colorado?

Even if your Centennial business only provides services, you may still need to obtain commercial insurance. In Colorado, businesses must obtain insurance that protects their employees or their property in cases where the general public is at risk. Here is a look at a few types of insurance that you may still need for your service based business.

Worker’s Compensation Insurance

Even if you provide service rather than produce a product, you will need to offer protection against workplace injuries for your full- or part-time employees. Worker’s compensation insurance covers the expense of medical bills and time away from the job when an employee becomes injured while performing a work-related activity. Worker’s compensation can be one your most significant commercial insurance expenses, so it a good idea to check with an independent agent when you are shopping for a policy.

Liability Insurance

If you are a professional, you may be required to carry liability insurance before you can legally serve your clients. Doctors often require malpractice insurance, and other professionals may benefit from errors and omissions insurance. Even if liability insurance is not required for your business, it is always wise to seek protection from costly lawsuits that could put you out of business.

Automobile Insurance

If you have a delivery service or you drive a vehicle to conduct your business, then you will need to obtain commercial auto insurance. Colorado requires all vehicles on the road to have liability coverage, and you will need to obtain a policy that specifically caters to business owners.

How an Independent Agent Can Help

Every business is different, so the type of insurance that you need will depend on the type of service that you provide. For help determining what type of commercial coverage you need to obtain for your business, contact us today to speak with an independent agent.

Why is there an administration fee when I cancel my home insurance policy in Centennial, Colorado?

If you are cancelling your homeowner’s insurance in Centennial, Colorado, you may want to take the administration fees into account. Depending on your companies, administration fees can be hefty, if not simply irritating, when you cancel your homeowner’s insurance. Here’s a few things that you need to know about the administration fee before you cancel your insurance.

Reason for the Administration Fee

Many homeowners may wonder why there is an administration fee in the first place when they cancel their homeowner’s insurance. And it is true that deterrence is a partial motivation for the administration fee. Yet, while it may seem that the fee is just an unfair penalty, there actually is some necessity for the fee.

When you cancel your policy prematurely, your insurance company loses out on the remainder of the payment that it must reimburse to you. Further, the process of filing paperwork and refunding your remaining premium creates additional expenses for the insurance company. Employees of the company also have to divert their attentions from other tasks to oversee the cancelation process. Thus, the cancelation fee helps insurance companies recover the loss that it incurs when it takes the time to cancel a customer’s policy.

How Your Independent Agent Can Help

While there are some good reasons to impose a modest fee, many insurance companies can have extraordinarily hefty fees. While there is not much that can be done to avoid the fees once you have signed your policy, an independent agent can help you learn about any fees that your future home insurance company might charge. Often, the best way to avoid high fees is to proactively search for companies with reasonable fees and leeway for customers.

To learn more about how administration fees and other added fees can impact your homeowner’s insurance policy, contact us today to speak with an independent agent.