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What You Should Know about Workers’ Compensation in Colorado

The state of Colorado requires all employers in the state to carry workers’ compensation insurance. This requirement applies regardless of whether your employees are family members, part-time, or full-time. Every individual that you pay to perform a given task is presumed to be your employee. However, in certain circumstances, Colorado workers’ compensation requirements don’t obligate

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16 Effective Ways to Prevent Home and Car Thefts

Today car theft happens much more than people think. Over 700,000 vehicles are stolen each year, according to statistics reported by the Insurance Information Institute. Your homeowners’ insurance covers theft of items within the home but not a car theft, which is covered by auto insurance. Here are important theft prevention tips to protect your

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Knowing Your Home Insurance Policy’s Special Limits

Out of all the insured homes in the U.S., two-thirds are underinsured. While some homeowners know they’re underinsured, others do not. Undervaluing a home’s contents and failure to increase coverage after purchasing an expensive item or completing a major home improvement project contribute to homeowner’s underinsurance. Additionally, the special limits that insurers usually put on

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Understanding Auto Liability Limits (Coverage Per Person, Per Accident)

There’s a maximum amount that your insurer can pay for a covered incident on your auto liability policy. This figure is the coverage limit for the specific event. If the cost of the covered accident exceeds your policy’s coverage limit, you’ll have to pay for the extra liability out of pocket. It’s important to understand

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