5 Steps To Properly Handle a Car Accident

Wednesday, August 27th, 2014

An auto accident is scary and stressful for everyone involved. In hectic moments we are not always ready to deal with an accident appropriately. Preparing and understanding how to handle a car accident ahead of time will help you act appropriately when the real thing happens. Here are the steps you should take when an accident occurs.

  1. After the initial accident if possible, move your car to a safer area away from traffic or put your hazard lights on to warn other drivers.
  2. Step out of your fully stopped vehicle and check on the other passengers involved. If anyone is injured then call 911.
  3. Collect the other driver’s information. The information you should have are the names of the driver and passenger, the license plate number, insurance information, the make and model of the car, contact information, and the location of the accident.
  4. Take pictures of the scene and the accident with any kind of camera you have at the time.
  5. Contact your insurance to file a claim.

Warrior Insurance in Monument Colorado can help keep your car as safe as possible with auto insurance. We take the time to assess our clients and understand their needs to find the right insurance coverage. Contact us today for more information.

 

What Is Covered With HOA Insurance After Buying a New Condo

Friday, August 22nd, 2014

Buying a condo means that you automatically become part of the homeowners association. The homeowners association offers HOA insurance that covers certain risks in your condo building. This policy doesn’t cover all the risks so it is worth it to understand what is and isn’t covered, so you can promptly get the individual protection that you need. Here are a few things you should know about HOA insurance.

  • HOA insurance covers everything that happens outside of your building. This includes damage to the lobby or even an elevator. You are responsible for the coverage of everything else in your condo.
  • HOA insurance will cover the injury of guests in common areas like the pool and lobby. If a guest is injured in your unit you may need liability insurance.
  • Renovations on your condo are not covered by HOA insurance.
  • Property damage to your building in common areas is covered by HOA insurance.

Warrior Insurance in Monument Colorado can help keep you covered. We take the time to assess the special needs of each of our clients. Contact us today for any of your insurance needs.

 

Avoid These 4 Driving Mistakes To Prolong The Life of Your Car

Monday, August 18th, 2014

Some bad driving habits can go unnoticed but will cause costly damage to your car. You may be unknowingly wearing down your car with driving mistakes. If that stresses you out there is no need to worry. Stopping these 4 bad driving habits can seriously prolong the life of your vehicle.

  1. You may feel safer driving the brakes while going downhill but this can seriously damage your brakes. Grinding your breaks together while riding downhill can cause heat that will boil your brake fluids.
  2. Idling your car to warm it up can drain gas and wear on your car.
  3. Not filling up your car until it hits empty will cause fuel sediment to build up in your fuel tank which will eventually effect your engine.
  4. Accelerating too slowly not only can hurt your gas tank but can also hurt your cars performance.

Warrior Insurance in Monument Colorado can help keep your car safe with auto insurance. We take the time to assess the special needs of each of our clients. Contact us today for more information.

Make The Right Choice For Individual Health Insurance

Wednesday, August 13th, 2014

Health insurance is important but the buying process can be a bit stressful. When choosing individual health insurance there are many factors to consider. These five tips can help you find the best type of health insurance for your needs.

  • Know how healthy you are. If you visit the hospital often and have a series of prescriptions you may want to invest in a higher premium plan. If you feel as if you are generally a healthy individual you can opt for a more affordable plan.
  • Think about the type of doctors you and your family prefer. HMO comes with a basic plan, PPO provide doctors outside of the network, and a POS is a mixture of the two.
  • See if the price is right for you. The monthly premium and annual deductible are both huge deciding factors of price. It also may help to see if prescriptions are covered with your plan.

Warrior Insurance in Monument Colorado will take the extra time to assess your need and find the right insurance for you. Contact us today for any of your insurance needs.

Your Expanding Company May Need Commercial Auto Insurance

Wednesday, August 6th, 2014

If your business revolves around work vehicles it could only benefit you to invest in commercial auto insurance. As an expanding company you will continue to add to your fleet of cars you will need to make adjustments to your insurance accordingly. Commercial Fleet insurance is the best way to protect the investments of your company. Here are the insurance options that you may need to change as the number of cars in your company grows.

  • You may need to increase your coverage for physical damage. An accident could threaten your income so make sure you’re covered.
  • If your company has employees driving your cars you may want to opt for raising your liability coverage.
  • To protect equipment in your cars you can add inland marine coverage to your policy.
  • Add roadside assistance to your policy to avoid paying for labor and towing when a breakdown happens.

Warrior Insurance in Monument Colorado can help your company stay covered by finding the insurance policy that fits your needs. We take the time to get to know the needs of our clients. Contact us today for any of your insurance needs.

 

 

3 Must-Know Facts of Life Insurance

Friday, August 1st, 2014

Life insurance is one of the most overlooked insurance policies. However, it is also one of the most beneficial. It can provide a financial cushion for your loved ones in the unfortunate event of your passing. Keep these 3 must know facts about life insurance in mind when looking for a policy.

  1. Cash value loans. Some life insurance policies will allow you to take out a loan to finance anything from home renovations to medical bills. These loans are tax free since the IRS does not classify them as gains. If you pass away before you are able to pay back the loan, the beneficiaries will receive the benefits minus whatever is owed on the loan.
  2. Accelerated benefit rider. You are able to use part of the death benefits to pay for basic expenses if you are diagnosed with a terminal illness. Your beneficiaries will receive the death benefits minus the amount that you used for expenses upon your passing.
  3. Death benefits can be probate free. Life insurance policies will not go through probate court unless your estate is named as the beneficiary.

For the most comprehensive life insurance policy in the Monument, Colorado area, contact Warrior Insurance.

What Type of Insurance is Needed for Restaurant Owners?

Friday, July 25th, 2014

After finding the perfect location for your restaurant and making sure every menu item tastes just right, it is important to make sure you have the right insurance policies to protect your investment. Make sure to invest in these top 9 restaurant insurance needs before opening your doors.

  1. Property insurance – this will protect your restaurant from many different unfortunate events. Typically, it will not cover any natural disasters.
  2. General liability – this will protect your restaurant in case somebody gets injured on the property, or if someone gets sick from eating your food.
  3. Liquor liability – if you are planning on selling alcohol at your restaurant, liquor liability will protect your restaurant if somebody gets into an accident after drinking.
  4. Automobile liability – if you have a vehicle that is used for deliveries, automobile liability will cover any accidents that are associated with the vehicle.
  5. Workers compensation – this will provide payments in case an employee is injured and can no longer work.
  6. Unemployment insurance – this will cover payments for employees who no longer work at your restaurant.
  7. Life insurance – this will provide a financial cushion for your loved ones to continue paying the mortgage of the restaurant in the unfortunate case of your passing.
  8. Food contamination insurance – this will replace lost goods in the event of a problem, such as loss of power, which would result in spoiled food.
  9. Specific peril insurance – this will protect from any other issues, such as an earthquake, that is not covered by other policies.

For all of your insurance needs in the Monument, Colorado area, contact Warrior Insurance.

Renters insurance for College Students

Monday, July 21st, 2014

Insurance is usually the furthest thought for most college students. Since they are on a tight budget, they typically only spend money on necessities, such as textbooks. However, investing in renter’s insurance for your apartment can help save you hundreds or thousands of dollars in case of an unfortunate event.

Renter’s insurance is very affordable, with the average cost of a policy only being $10 a month. The inexpensive policy can help cover all of your belongings in case they are stolen or damaged. While you may think that you do not have anything of value to insure, chances are you do. While typical college students may not have nice furniture that they want to protect, most of them have an expensive gaming system or laptop. Renter’s insurance will provide coverage for these items if they are stolen or damaged.

Renter’s insurance will also provide some liability coverage for you apartment. Renter’s insurance will cover any medical expenses or lawsuits that are associated with the injury.

For the most comprehensive renter’s insurance policy in the Monument, Colorado area, contact Warrior Insurance.

Avoid Motorcycle Accidents

Wednesday, July 16th, 2014

One of the best parts about riding a motorcycle is that you are able to enjoy the perfect summer weather whenever you go for a ride. While enjoying your bike, it is important to remember to stay safe in any situation. Keep these motorcycle safety tips in mind every time you go for a ride to help prevent accidents while on the road.

Construction zone riding – make sure to look out for work zone hazards, such as loose gravel on the road, pooling water, and traffic stopping suddenly when driving through a construction zone. It is also important to make sure you know the construction zone laws to make sure you do not get fined.

Proper motorcycle gear – always wear a helmet when riding to greatly increase your chances of surviving an accident. Invest in a jacket and pants that are made of sturdy material, such as nylon or leather to protect your body in an accident. If you are riding at night, make sure to wear reflective gear so you are visible to other drivers on the road.

Most importantly, make sure you have the right motorcycle insurance to protect yourself from any unfortunate accident. Contact Warrior Insurance for all of your insurance needs in the Monument, Colorado area.

Is Your Business Small or Large? And What Type of Insurance Do You Need?

Friday, July 11th, 2014

Owning a business comes with a lot of responsibility and accountability, including making sure you are providing the right amount of health insurance to your employees. Knowing if your business is considered a small or large business can make a huge difference in the amount of insurance you are required to provide.

If your business has 50 or fewer full-time, or equivalent employees, you are considered to be part of a small group. This means that the health care you have to provide to your employees must meet the same standards for those policies that are offered to individuals and families.

Businesses that have 51 or more full-time, or equivalent employees are required to offer health care that meets all the requirements for large groups. They also have a wider selection of plans to choose from.

An employee is considered a full time, or full time equivalent employee if they work at least 30 hours a week, on average.

Contact Warrior Insurance in Monument, Colorado for all of your health and business insurance needs.

6 Condo Insurance Guidelines

Monday, July 7th, 2014

Buying a condominium is a great investment as your first home, since they are usually less expensive and do not require as much maintenance, such as taking care of a yard. When it comes to insuring your condo, keep these 4 guidelines in mind.

  1. Look at your master policy. The master policy of the entire complex will usually insure all of the common areas, but you will be responsible for insuring everything within your unit.
  2. What is the cost of the association deductible? The condo association will usually provide coverage from a natural disaster, as long as you meet the deductible.
  3. Know how much coverage is appropriate. A good way to estimate how much coverage you need is base it off half the market value of your condo.
  4. Make sure both your structure and contents are covered. Make sure you have enough coverage to pay for damage to the physical building, as well as all of your belongings in the house.

For more information about choosing the right condo insurance in the Monument, Colorado area, contact Warrior Insurance.

Health Coverage for Small Businesses

Wednesday, July 2nd, 2014

With recent Health Care Reform, many business owners have been left confused and unsure of the benefits and disadvantages of this new health insurance. In order to make an informed decision about the health care you provide for your employees, you must understand how the Patient Protection and Affordable Care Act works.

Small businesses that provide their employees with health insurance are offered a tax credit. In order to qualify for the tax credit, you must have an average annual wages total of less than $50,000 and contribute at least 50% of those wages toward employee health insurance premiums. In order for a small business to receive tax credits, they must also have fewer than 35 full-time employees.

When deciding what coverage you would like to offer your employees, it is best to speak with an expert first. each business requires a unique program for their health insurance benefits that needs to be carefully planned out. Offering employee benefits is not only advantageous to the employees, but the employer as well.

Warrior Insurance and Services Group is available to answer any and all of your questions regarding offering health coverage for the employees of your small business. Contact us today to speak with one of our experienced agents.

When To Get Life Insurance

Friday, June 27th, 2014

Nobody likes to see an extra bill on the table, but life insurance is one that is worth the investment. Life insurance is one of those topics we all try to avoid until its completely necessary, but guess what? It is always completely necessary! Life has a tendency of throwing us with curveballs and it is important that you have the peace of mind knowing you are protected.

25-30

The most crucial part of your life to start investing in life insurance. Your list of responsibilities and people who depend on you is beginning to grow. During this time, you’re probably cutting back wherever you can. A term life insurance policy will offer you the protection you need at a relatively low cost in comparison to a permanent life insurance policy. At this age, your premium should be remotely low because death is a very unlikely possibility.

35-55

While the need for life insurance is not as dire at this age, it is still very important. Life insurance at this age is important for those who might purchase a second home, have a child or are beginning a career later in life.

55 + 

If you do not already have life insurance at this phase of life, you may want to consider putting your money toward long-term care instead. Many insurance companies however, have a life insurance policies that turn into a long-term care policy over time.

For questions regarding your life insurance policy or if you need advice on whether or not a life insurance policy is right for you, contact the insurance experts at Warrior Insurance and Services Group today. We’ll get you on the right track!

The Importance of Property Insurance

Monday, June 23rd, 2014

Property insurance is crucial in order to financially protect your investments. Whether you are insuring a property you live in full time, rent, or leave vacant, it is still important to have. Without property insurance, you can find yourself paying out of pocket cost to repair your roof after a giant tree has fallen on it.

The majority of homeowners are unaware of what their property insurance actually covers and doesn’t cover. Without proper knowledge of what your policy covers, how can you know if you are safe?

Property insurance coverage includes:

  • Fire 
  • Wind
  • Hail
  • Theft

Property insurance coverage excludes: 

  • Flood damage
  • Earthquake damage
  • Mold
  • Acts of War
  • Parts of your property that are in disrepair

Your premium will depend on a variety of factors including your risk factor. If you live in an area that is at a particularly high risk for tornadoes, hurricanes, or floods, your property insurance premium will likely be higher than others. If you own a large dog or a swimming pool, you will also experience an increase in premium. Your credit score and smoking habits also affect your premium.

If you have any questions regarding your property insurance policy, contact the insurance experts at Warrior Insurance and Services group today.

Workers’ Compensation 101

Wednesday, June 18th, 2014

Workers’ Compensation can be a confusing topic, but as an employer you are required to purchase insurance that protects your employees from work related injuries or sicknesses. Employees receive these benefits no matter who is at fault and in return, employers receive protection from any lawsuits. Each state has varying workers’ compensation laws and regulations but the main factor is the rate paid to injured employees.

What Workers’ Compensation Covers:

  • Work-related injury or illness. 
  • Sudden falling
  • Computer-related stress injuries (RSIs)
  • Illness resulting from exposure to work place chemicals, pollution, or radiation
  • Carpal tunnel

What Workers’ Compensation Doesn’t Cover:

  • Injuries caused when under the influence of alcohol or drugs 
  • Self-inflicted injuries
  • Injuries from a fight that was started by the employee
  • Injuries resulting from violated company policies
  • Injuries claimed after employee termination
  • Injuries to an independent contractor

What Benefits Are Available Under Workers’ Compensation:

  • Replacement income if an employee is unable to work
  • Medical expenses – doctors’ visits, surgeries, medications
  • Vocational Rehabilitation Benefits

Contact Warrior Insurance and Services Group for all of your commercial insurance needs. We are available around the clock to help you choose the right amount of coverage for your workers’ compensation policy.

 

How to Handle an Out-Of-State Accident

Friday, June 13th, 2014

No matter when or where you are, getting in an accident is devastating. Would you know what to do if you were in an accident while road tripping across the country? Does your insurance cover you if you are hit or hit another car in another state?

If you are in an accident in another state you are required to comply with all the insurance requirements of that state. Car insurance companies are experienced in these situations so there is no need to worry.

The most important factor regarding out-of-state accidents is your liability minimum. If your liability minimum is 10/20/10 at home for bodily injury property damage and is 25/50/25 in the state you get in an accident in, you take on that state’s minimum requirements. This is not a permanent change.

Car insurance is required by law in each state so no matter what state you are in you will be covered. Before embarking on your next road trip, you may want to check the insurance requirements and regulations of the states you will be traveling through, so that you don’t come up with any surprises.

Warrior Insurance and Services Group is available around the clock to help you with all of your auto insurance needs. Contact us today to get started!

 

Components of Car Insurance

Monday, June 9th, 2014

In order to fully understand your car insurance premium you must understand all of its components. Your auto insurance premium will depend on a variety of factors that are out of your control and some that are in your control. What your policy covers is your choice and it is important to know what coverage you are paying for.

  • Bodily Injury Liability – Covers injuries and legal costs if your car injures or kills someone.
  • Property Damage Liability – Covers damages to any property caused by your car in an accident. This is typically a requirement in most states.
  • Medical Payments – Covers the cost of injuries to both you and the other part in the event of an accident.
  • Uninsured Motorist Protection – Covers injuries and damages made by an uninsured motorist or a hit-and-run driver.
  • Collision Coverage – Covers the cost of damage up to its calculated value. This coverage carries a deductible.
  • Comprehensive – Covers theft, vandalism, fire, wind, flood, and other non-accident caused damages. This coverage also carries a deductible.

Warrior Insurance and Services Group strives to provide Colorado residents with the absolute best care. Contact us today and speak with one of our experienced agents about updating your auto insurance policy.

Life Term Insurance or Permanent?

Wednesday, June 4th, 2014

Having a personal insurance policy in place for life insurance is important to protect those you leave behind. However, with the option between term and permanent life insurance, it can be difficult to determine which may be best for yourself. Here are some of the benefits of each:

Term:

  • Affordable: Term life insurance is more affordable than permanent insurance. This makes the choice better for younger families to protect against loss of income in the case of an unexpected death. 
  • Simple: Term insurance is competitive. Insurance companies look to give their consumers the best price options over other companies. 

Permanent:

  • Cash Value: The higher premium you pay for permanent life insurance is invested and the longer you hold the insurance policy, the more accumulation of cash value. Basically, permanent life insurance almost acts like a forced savings. 
  • Borrow: The cash you are accumulating with this policy over time may be borrowed for retirement or education funding. 

Overall, term insurance tends to be the better choice because of it’s affordability and comparable death benefit protection. However, permanent life insurance is great for those concerned about asset protection in the future and paying estate taxes. 

For more information about life insurance in Colorado please contact Warrior Insurance, located in Monument. 

Spend Less When Storing Your Motorhome

Friday, May 30th, 2014

As a responsible motorhome owner, you wouldn’t go driving around without proper insurance for your vehicle. However, you may not need all that protection when the RV or coach is parked and stored for the winter. Consider how you handle your motorhome in storage and you could cut your costs significantly.

Different Risks

Most insurance companies plan to protect you from accidents when you’re driving the RV. In a storage unit or garage, the risk for collisions disappears while the risk for pest damage rises. For best results, talk to your insurance agent about switching to a storage insurance plan for the off the road months. These plans tend to cost less and focus on issues more likely to affect a sitting vehicle.

Don’t Drop It

Some owners decide to simply cancel their RV insurance in the off season. While this saves even more money, it also leaves the vehicle without protection in case of theft or damage. It also raises the rate you receive when renewing your policy in the spring again.

If you’d like to save more on any type of personal insurance, including life term and life insurance, get in contact with Warrior Insurance in Monument, Colorado.

Five Risks You Take when Driving without Insurance

Monday, May 26th, 2014

Driving without personal insurance for your car might not seem like a big deal, especially if you consider yourself to be a good driver. The truth is that accidents happen, and being without insurance means that you are taking a lot of risks whenever you hit the road. Here are a few things to consider.

If you are involved in an accident and are found to be at-fault, you are responsible for the cost of repairs for the other driver’s car. Injuries caused by the crash are also your responsibility, and many people don’t have the money to cover these costs.

Serious accidents can leave your car totaled, which means that you will either need to pay for the repairs or pay out-of-pocket to buy a new vehicle.

Drivers who operate a vehicle without personal insurance for their cars can also lose their right to drive. Your license can be suspended or revoked, and a revoked license may mean that you can never drive again.

In addition to losing your license, you may have to pay hefty fines if you are caught driving uninsured. These fines are often more than the average motorist can afford.

Many insurance companies won’t underwrite a policy for someone who has been caught driving without insurance. Gaps in your car insurance history can be a red flag for insurers.

To learn more about car insurance, life term insurance, universal life insurance, and other forms of personal policies, contact Warrior Insurance, located in Monument, Colorado.

Getting your Boat Summer Ready

Wednesday, May 21st, 2014

Summer boating season is on its way! Here are some tips for getting your boat ready this summer:

  • Give it a good outside cleaning

Wash and detail your boat using the right products. Be sure not to use any non-marine cleaners that could potentially damage the boat’s materials. Also be sure to pump out any water out of the bilge that could have built up during winter. 

  • Give it a good inside cleaning

In addition to making your boat look its best, make sure that you can get it running at its best as well. It is recommended you get the oil changed and given an outdrive service once a year. Make sure your battery is charged and your boat is plugged back up (if you removed the plug). 

  • Safety check

Check that the horns, lights, and safety equipment are working. Check the trailer as well and make sure that its lights work and its functioning safely.

This information brought to you by angieslist.com

At Warrior Insurance in we have you covered. We will take care of you while you enjoy your summer! If you live in the Colorado area, contact us today to talk about your personal insurance needs. 

Protect Against the Unexpected with Umbrella Insurance

Friday, May 16th, 2014

Having life insurance, auto insurance, and homeowner’s or renter’s insurance offers coverage for many different scenarios, but none of these personal insurance policies cover you for all of life’s unexpected events. An umbrella policy offers the liability protection you need for a range of situations you might not have thought about before.

Umbrella insurance protects you against lawsuits accusing you of libel and personal slander. It may not sound like anything you have to worry about, but if you use social media or blog regularly, you might be opening yourself up to the possibility of litigation. An umbrella policy can protect your personal assets in this type of lawsuit.

You can also be on the hook for medical costs and personal damage if someone is injured in your home or by your pet. A plaintiff can sue for the money in your bank accounts, savings accounts, and retirement accounts, and can even request to have your wages garnished. Your homeowner’s policy is often not enough to protect you from a lawsuit.

Protecting your financial future means investing in an umbrella personal insurance policy that helps you prepare for the unexpected. Learn more about whole life, life term, umbrella, and personal insurance from the experts at Warrior Insurance in Monument Colorado, and get the coverage you need to protect your future.

The Springs Brew Tour: Sampling Colorado’s Craft Scene

Monday, May 12th, 2014

With new micro-breweries popping up in every town and millions buying home-brewing kits, craft beer is officially a national phenomenon that’s here to stay. But Colorado natives have always had a craft-brewing tradition, and the state has one of the highest percentages of breweries per capita.

The Springs Brew Tour takes advantage of that fact. You don’t have to go all the way to Denver or Boulder to enjoy some of the finest craft breweries in the country, let alone the Rocky Mountain Region. Every Sunday at 1 PM, up to a dozen beer enthusiasts meet for four hours of ample samples, food pairing lessons and behind-the-scenes brewery tours at several different facilities. 

The fun begins at Trinity Brewing Company, a craft beer house and bar that was constructed almost completely out of recycled materials. The brewers at Trinity go out of their way to get ingredients from local farms, so you’ll be supporting the community and the planet at the same time. 

Afterwards, guides transport guests to Colorado Mountain Brewing Company, a new addition to the tour itinerary. All the pairings you’ll taste come from their full lunch and dinner menu. Next up is Pikes Peak Brewing Co., another sustainable company that uses reclaimed wood and donates used barley to local farmers for feed.

The last two breweries on the tour are Phantom Cannon Brewing Company, where you can tour their newly expanded brewing center, and Red Leg Brewing Company, which honors military heroes with high-quality beer and even offers food from the Gypsy Pizzeria food truck.

Twenty miles north of Colorado Springs, Warrior Insurance offers personal insurance and life insurance for the whole surrounding area. The independent, Monument-based agency can help you find the best life term insurance coverage for your family. 

Selecting the right motorcycle

Wednesday, May 7th, 2014

In the past you have had dreams of riding on a motorcycle, cruising along the open highway. Dreams of driving past lush landscapes and breathtaking views have you convinced a new motorcycle is right for you. Well, now that you have finally made the decision it is important to select the right bike for you. Here are some tips to help you get started in finding the best motorcycle for your cruising needs.

According to the Motorcycle Safety Foundation, there are three different types of motorcycles. They are street bikes, dual-purpose bikes and off-road bikes. But these are not the only types of motorcycles available. Let’s take a look at all of your options.

  • Street: Designed for paved roads and offer a variety of body styles
  • Touring: Designed with practical accessories and equipped with bigger gas tanks
  • Cruiser: Associated with custom designed bikes and high-profile brands
  • Sport: Capable of reaching high speeds and rank high in ease of handling and breaking
  • Standard: Generally equipped with just the basics and perfect for the novice rider
  • Scooters: Equipped with smaller engines and not recommended for highway use
  • Dual-purpose: Can be used both on and off road
  • Off-road: For those who are more adventurous and cannot be used on traditional roadways

When selecting your new motorcycle, take some time learning about your different options and seeing what is available. Knowing what purpose you want the bike to serve will give you a better understanding of the type of motorcycle is best for you.

For all of your insurance coverage needs in the Monument, Colorado area, including motorcycle insurance, contact the Warrior Insurance and Services Group.

Drowsy or Distracted Driving can be Lethal

Friday, May 2nd, 2014

According to data from the National Highway Traffic Safety Administration, drowsy driving is the cause of over 100,000 traffic accidents every year. Here are some tips on how to avoid this potentially lethal problem.

1. Adequate rest

Get the regular rest your body needs. But also, if you notice drowsiness behind the wheel, stop and refresh yourself. It could save your life, or that of someone else.

2. Know the signs

Be aware of the indications that fatigue is beginning to be a problem, and do not ignore them when you are driving:

  • Driving mistakes such as wandering out of lane or missing traffic signs.
  • Yawning, exaggerated blinking, or heavy eyelids.
  • Wandering thoughts or difficulty maintaining focus.
  • Trouble keeping your head up or remembering the past few miles.

3. Note extenuating circumstances:

  • Extra-long driving time behind the wheel.
  • Medications that might cause drowsiness.
  • Known sleep disorders.

Drowsy driving is one type of distracted driving that can be avoided with proper rest and awareness of the indications and seriousness of the problem. Do not take unnecessary chances with fatigue behind the wheel. Plan ahead so you have time to stop for a rest if you need to.

Your professional independent agent proudly serves clients in Texas as well as Colorado. Contact Warrior Insurance and Services Group in Monument for further information or a quote on auto insurance today.

Updating insurance before and after marriage

Monday, April 28th, 2014

He finally popped the question and the two of you are official engaged. Congratulations! There is going to be plenty of things to do and remember leading up to the big day, including making sure you have all of the necessary insurance coverage. When it comes to marriage and insurance, couples need to have coverage for the big day and update all necessary insurance policies.

In preparation of the big day it is important to have enough coverage for any unforeseen accidents. Check with the venue, or if getting married at home, your homeowners insurance for adequate liability coverage.

After the wedding it is important to update and combine all insurance policies. Add your new spouse to your auto insurance policy. Some couples see a reduced rate when they change their policy to include their spouse and add a second vehicle.

Other insurance updates should include:

  • Homeowners/renters: Update valuables coverage on these policies to include your spouse’s possessions
  • Umbrella insurance: Add an extra layer of protection to all of your insurance policies
  • Life insurance: Add your spouse as a beneficiary and/or purchase his or her own life insurance policy

Updating all of your insurance policies after marriage will not only ensure everything and everyone is covered, it may also help you save money by combining policies.

For more information about your insurance needs and what to expect after marriage contact the Warrior Insurance and Services Group in Monument, Colorado.

April is National Autism Awareness Month

Wednesday, April 23rd, 2014

Since the 1970s, April has been dedicated as National Autism Awareness Month and is a time when organizers and volunteers join together to help educate the public. During this month organizers work hard to educate the public about the autism community and the struggles faced within it. It is also a time when families affected by autism gather together and show support for each other.

There are many different ways you can help support National Autism Awareness month, including:

  • Placing a NAAM logo or badge on your social media accounts
  • Create your own event
  • Participate in a local organization’s event
  • Volunteer
  • Wear your Autism Awareness Puzzle ribbon

Get out this month and show your support for your local autism awareness organizations. Upcoming events for National Autism Awareness Month near Monument, Colorado include:

  • Entire month of April: Autism-Friendly Business Campaign hosted by Autism and Asperger Connections. Nominate your favorite autism-friendly business for this award
  • April 26: 5K Walk/Run for Autism Awareness starting at 8:30 a.m. at America the Beautiful Park in Colorado Springs

For more information about all of your insurance needs in the Monument, Colorado area contact the Warrior Insurance and Services Group.

Little Things You Can Do for Earth Day

Friday, April 18th, 2014

Earth Day is April 22nd, and every year since 1970, it seems to be gaining a bit more attention.  That is a good thing. Earth Day doesn’t mean you have install tens of thousands worth of solar panels on your roof, or abandon your car, but there are some small changes you can make that can help in going green.

  • New LED interior lighting is available that really minimizes use of electricity. If you upgrade your lighting, consider a move to LED.
  • Pay attention to your use of water.
  • As summer approaches, set your thermostat a little bit higher for your air conditioning.
  • Walk or bicycle more. Short trips to the store on foot or on a bike are a great way to minimize your carbon footprint and get some exercise.
  • Use biodegradable soaps and detergents.
  • Recycle as much as you can.
  • Look into natural pesticides for your garden.

There are many environmentally friendly choices you can make. Earth Day is a good day to start implementing them.

We are Warrior Insurance and Services Group of Monument, Colorado. Contact us with any questions you may have about your insurance protection.

Easter Sunday Events in Monument, Colorado

Monday, April 14th, 2014

Looking for something to do this Easter Sunday in Monument Colorado? Creekside Middle School hosted Monument’s annual Easter Egg Hunt for the past several years, but now that the building is closed, local families will have to travel the short southern route to nearby Colorado Springs.

On Easter morning, win a ham by running a 5k during the annual Hams and Hamstrings Easter race. Walkers and runners alike are welcome, and there will be plenty of bunny ears and chocolate fondue this year too.

For a more upscale Easter, treat your whole family to the Cheyenne Mountain Resort’s annual Easter Brunch. Sugar-baked ham, Belgium waffles, and omelets will be prepared on the spot, while entrees include a variety of seafood dishes, soups, salads, and breakfast pastries.

Bear Creek Nature Center will host a Peter Rabbit-themed Easter adventure on Thursday, April 17. Kids can meet a live rabbit, enjoy a leisurely Chocolate Bunny egg hunt, and later exchange their eggs for treasures at the visitor center.

Contact Warrior Insurance and Services Group to learn more about keeping your family safe and happy in Monument, Colorado. 

Older Cars Are Great Too! How To Keep Them That Way

Monday, April 7th, 2014

Older cars are great. Not collectable cars like the mid-60’s muscle cars such as the Camaros and Mustangs, but even 1998 Subarus and 2002 Ford Escapes. Not only are these vehicles still capable of getting you to and from work, getting the kids to school and even going across country, but they’re paid for and have a lower insurance cost than brand new vehicles do. For many people, and older vehicle is perfect for what they need.

Keeping them on the road is a key priority since new vehicles are incredibly expensive and even repairs on older cars and trucks aren’t cheap. Here are a few tips to keep that older vehicle on the road:

- Keep the fluids changed on a regular basis. While your owner’s manual may have suggestions as to when fluids need changing, keep in mind an older vehicle with higher mileage has more needs. Change the oil every 3,000 miles. Change the transmission and differential fluid every 100,000 miles. Flush the antifreeze/coolant system once a year. Check all your fluid levels (including brake and power steering fluids) at least once a month in case leaks develop.

- Keep it clean. A washed and waxed car is less susceptible to corrosive forces in rainwater, road grime and salt (in the winter). Also, have the undercarriage washed after winter to prevent corrosion as well.

- Check lubricants in axles and bearings. When you have your oil changed, have the mechanic check your lubricants and have them regreased on a regular basis.

Keeping an older car healthy is much like keeping a new car well maintained. The better you maintain your car when new, the longer you can own it and that holds true for older vehicles as well. Since older vehicles have different values than new, checking with your insurance agent may save you a lot of money. If you live in the Colorado Springs or Monument areas, contact Warrior Insurance and Services Group to get a new quote on your auto insurance. You may be surprised at how much you’ll truly value your older vehicle when you do!

 

Liability Umbrellas are Protection for that Rainy Day

Friday, April 4th, 2014

When you carry homeowners and auto insurance, one of the coverage options afforded to you is liability insurance. This is designed to offer protection for you in the event that someone is injured or suffers a loss on your property or in an auto accident you are found at fault for. If someone suffers a loss beyond the limits of your homeowners insurance coverage, you may find yourself facing a costly court battle. Liability umbrella policies are a great investment to protect against this.

Liability umbrellas extend coverage for injuries that other people suffer from accidents, falls and even dog bites. It covers their medical costs, lost work time and other associated costs. You can also get coverage for property damage, which is beneficial if someone suffers a loss such as vehicle or fence damage, and even damages caused by your kids.

Rental properties are high-risk as well. As a landlord, you can get coverage for injuries, tenant negligence and other hazards that can occur with a rental. Liability umbrella insurance is a valuable investment if you are ever sued for libel, false arrest, slander and even mental anguish.

For a quote and more information about your liability umbrella policy options, contact Warrior Insurance and Services Group today.

Uncovering the Mystery Behind Life Insurance Premiums

Monday, March 31st, 2014

When it comes to ensuring that your family is provided for in the event of your death, life insurance is one of the best investments that you can make. Before you purchase a life insurance policy, it is important that you know what lifestyle choices and factors can make your premiums more expensive.

Since being overweight can increase your risk of death, your weight is a factor in the premium pricing. If your weight is above average for your body structure, you may find that your insurance company includes a surcharge or rates your policy as higher risk.

Tobacco use is another significant risk factor. If you are a smoker or you use smokeless tobacco, your insurance company will place you in a higher risk pool for your life insurance. Most insurance companies test for tobacco use, so honesty is important here.

A negative driving record shows a history of poor or risky decisions, which puts you at a greater risk as well. High-risk hobbies like mountain climbing or white water rafting can place you in a risky rate plan, too. Finally, your medical history is essential. A history of mental illness, cancer, cardiovascular disease or other serious health conditions can also lead to a policy in a higher rating class.

To get a quote for your new life insurance policy, contact Warrior Insurance and Services Group today.

Protect Your Personal Information During Tax Time

Monday, March 24th, 2014

You have less than two months left to file taxes. Its crunch time for many people as they scramble to get all their tax documents and receipts ready for their tax preparer or to file taxes themselves. Yet with all the hustle and bustle, people can forget to protect their personal information from identity thieves.

Identity thieves love tax season. They can get all the personal information they need from a victim from mailed tax documents and other forms. They use this information to obtain loans, credit cards or even file taxes as they obtain the tax refund. You may not even find out about your information being stolen until your tax return is rejected because someone else already filed a return in your name.

Protect your personal information by using the following tips:

Place all tax documents in a safe location. Don’t leave them out on a counter or desk if people are visiting your home. Put them in a locked drawer or in a safe.

Contact your employer about missing tax documents. Employers had until January 30th to mail out all W2s and other tax documents. If you haven’t received anything by now, let your employer know so they can get the papers sent to you and to the IRS. If they stall, contact the IRS directly about the problem as the IRS will get in touch with the employer.

If you experience any problems filing your taxes, it may be a red flag that someone has stolen your information. Let the IRS know, in writing, of the issues as they can help you with this problem.

For more information about personal and business insurance in Colorado and Texas, please contact Warrior Insurance and Services Group located in Monument at 719-425-2121.

Spring Is Here… Are Your Big Toys Ready??

Friday, March 21st, 2014

Let’s face it–when you’re the outdoorsy type, the minute the sun peeps out again from behind the clouds, you’re ready to hop on your “big toys” (such as your boat or jet skis, recreational vehicle or all-terrain vehicle). But before you do, here are a few maintenance tips you should know to ready you for the warm air ahead.

Boat Maintenance

Of course, you should always flush your engine after each use to prevent saltwater buildup. But every two to three months, you should also give your boat a good waxing to protect its finish and to minimize damage from ultraviolet rays. Collinite’s Fleet Wax and Starbrite’s Boat Polish are both considered tops among boat waxing products. Spring is also a great time to perform semi-annual maintenance such as replacing the spark plugs, changing the oil, cleaning the fuel filter and conducting a thorough inspection.

ATV & RV Maintenance

Before heading out in your ATV or RV, you’ll undoubtedly check both fluid levels and tire pressure. However, ATV owners often overlook valve adjustment which often leads to difficulty starting the ATV after a cold winter. For RVs, be sure to replace air, fuel and hydraulic filters and to have the brakes serviced.

Regardless of which “big toys” you’ll use this spring, they all should be properly insured. At Warrior Insurance and Services Group, protecting your family, home, autos, businesses and “toys” is our top priority. For a free, no-obligation quote, contact Warrior Insurance today!

Spring Maintenance Tips To Perform While Getting Used To Daylight Savings Time Changes

Monday, March 17th, 2014

Most people are still trying to get used to Daylight Savings Time and losing an hour to their day. Yet they also have lots to look forward to with the coming of spring.

Longer days and warmer temperatures await. People can also start getting their yearly spring maintenance done for their home so they can enjoy the great outdoors more. Some common maintenance tips you may want to complete this year:

Testing smoke alarms and CO detectors. You might have already heard the chirps starting from the smoke detectors as the batteries begin to die. While changing out the batteries, you should also test the smoke detector and CO detectors to make sure they are in good working order.

Perform appliance maintenance. You should get spring maintenance on your furnace and air conditioning unit at this time. It is also a good idea to have all the filters changed for both HVAC systems as well as for your refrigerator, dishwasher, air purifiers and vacuums. Don’t forget to drain the water heater to flush out the built-up sediment.

Get rid of old medication. Some medications can actually be harmful to you if they are taken after the expiration date. They also start to lose their effectiveness. Look at the dates on all prescription and over-the-counter medications in the house and toss anything old away.

For more information about personal and business insurance in Colorado and Texas, please contact Warrior Insurance and Services Group located in Monument at 719-425-2121.

Business Disaster Planning: 3 Essential Tips

Wednesday, March 5th, 2014

If you own a business, whether small or large, the possibility of a disaster taking your business out of action is one that can spell disaster in more ways than one. Regardless of the cause, whether it be a fire, flood, earthquake or tornado/hurricane, not being prepared for a natural disaster can financially destroy a business as well. However, by taking proactive measures to prepare for possible disaster situations, while a disaster can strike your business, you can recover and keep going.

3 Disaster Preparedness Tips

1. One key to recovering a business is being able to recover your records. By backing up computer systems and having those backups located offsite, preferably in another part of the country, all computer based records are safe. This is easy to accomplish with internet backup services.

2. As with individuals, businesses need to have emergency funds in the bank. While this can be difficult for a small business, if at all possible, keep 60-90 days of operating capital in an emergency account so you can maintain your employee base as well as allowing you to maintain your business footing.

3. Check with your commercial insurance provider to ensure you have the insurance coverage you need. Basic commercial policies may not provide coverage for natural disasters such as floods, tornados or forest fires. However, rider policies are available that can provide the additional protection you need.

While you hope nothing ever happens, a natural disaster can destroy your financial future as well as your business. Taking measures to back up your records and having money set aside for a disaster, working with a great insurance company such as Warrior Insurance and Services Group LLC in the Colorado Springs, Colorado area can provide the financial security you need to fully recover. Contact them today and get a quote on a commercial policy that will keep your business in business, even if disaster strikes. 

Flick the Switch on Electrical Hazards: Reduce the Risk of Fire in Your Home

Wednesday, February 26th, 2014

Every year, electrical problems cause an estimated 50,000 home fires, leading to more than 500 deaths and more than a billion dollars in damage. Follow these tips to increase the electrical safety of your home and family:

1) If you see, or even suspect, that your home’s electrical outlets or internal wiring is old or worn, have a qualified electrician inspect and repair it.

2) Consider Arc Fault Circuit Interrupters (AFCI). These devices protect wiring against electrical flares, or arcs, that regular circuit breakers cannot detect. An electrician can tell you if your home could benefit from AFCI installation.

3) Check electrical cords and extension cords for signs of wear and damage on a regular basis. Avoid using cords with exposed wiring.

4) Many lamps and light fixtures come with a recommended light bulb wattage. Check the owner’s manual if available and use bulbs with the recommended, or lower, wattage.

5) If you notice flickering lights in your home but not in your neighbors, hear sounds from your outlets, or have circuit breakers that trip frequently, contact an electrician.

Warrior Insurance and Services Group LLC can help you protect your family with the right homeowners insurance. Contact us to learn more or get a quote.

Making Your Home Secure During Away Time

Friday, February 21st, 2014

As much as we love our homes, most of us spend more time away from home than in it. Between work, outside obligations, vacations and other reasons, our home is actually unoccupied more often than not. That means there are more opportunities for things to happen, such as a break-in, electrical fire or broken water pipe that you won’t be aware of until well after it happens. However, with a little time, effort and money, you can do a lot to secure your home while you’re not there.

5 Tips For Better Security

1. Insulate water pipes or have a pipe heating system in place to prevent bursting from freezing in winter months.

2. Replace standard rubber hoses on the washing machine with braided stainless hoses.

3. Have a friend, neighbor or family member come by and pick up newspapers thrown in your yard, your mail and to check on your home while you’re on vacation, even if it’s only a weekender.

4. Have a timer for lights and electronics such as televisions and stereos to automatically turn them on and off. This gives the appearance that someone is home while you’re away.

5. Don’t overload electrical outlets or circuits. Also check the cords on anything that’s plugged in to make sure they’re not damaged. If there is damage, either have the cord replaced or don’t use the item.

Regardless of what we do, things happen. The only way we can truly rest assured that we are financially protected in the case of a break-in, fire or water damage. However, with insurance from a great company like Warrior Insurance and Services Group LLC in the Colorado Springs, Colorado area ensures you have the protection your home needs. Contact them today and get a quote for a homeowners policy that’ll give you true assurance that your assets are safe while you’re away.

Avoid Heartache: Insure Your Valentine’s Day Gift

Monday, February 17th, 2014

Did your special someone gift you with some precious jewelry, or even a ring, on Valentine’s Day? A gift like that can seem like a dream come true, but you also have to consider some practical matters. If you received valuables like jewelry or antiques, your homeowners policy many not fully cover it in the event of loss, theft or damage. Some policies exclude extremely valuable items, while others have maximum limits that may be lower than the gift’s true worth.  

These steps can help protect your new property, so you can enjoy the gift without worry:

1) Contact your insurance agent as soon as you can and describe the item fully.
2) If your agent suggests having the gift appraised, take it to a jeweler, antiques dealer or other expert, depending on the item.
3) Follow your agent’s advice on how to inform your insurance company of the gift and its value.
4) Add extra coverage to your existing policy to fully insure the item, or purchase new insure that specifically covers the full value of the gift.
5) Follow your insurance agent and company advice on how to protect your gift. This might include buying a vault or other security measures.

Warrior Insurance and Services Group LLC can provide expert advice for all your insurance needs. To learn more, or get a quote call (719) 425-2121 today!

Practice Good Health Habits During American Heart Month

Wednesday, February 12th, 2014

February has been "American Heart Month" since 1964, and this year is the 50th anniversary. The designation is meant to raise awareness about the national problem of heart disease and to inspire the public to support programs that address it.

The country has been making progress- the number of deaths in the U.S. from cardiovascular disease dropped from 924,000 in 1960 to 784,000 in 2010, while the population rose 72 percent.

American Heart Month is also a good time to learn and practice the health habits that can help prevent heart disease. Here are some health practices that are proven to help prevent heart disease: stopping smoking and losing abdominal fat, along with engaging in enjoyable stress-relieving activities such as dancing, laughing, or knitting. Also, exercising 30 minutes each day of the week is optimal.

Staying healthy requires both practicing smart health habits and having a great insurance plan that you can rely on. For more information about high quality insurance in Colorado and to get a quote, please contact Warrior Insurance and Services Group LLC located in Monument.

Protect Your Work And Personal Documents With Back Up Solutions

Friday, February 7th, 2014

The average homeowner has well over a dozen important documents for every family member. If the original copies of your tax returns, birth certificates, or mortgage agreements go missing, it can take months of hard work to restore your collection after an emergency or disaster.

Digital back up services protect your data by securing it from thieves and natural threats alike. Fire can’t destroy a document kept on a server hundreds of miles away. If you pick a trustworthy back up provider, you can rest assured that someone is always monitoring the facilities so you don’t have to worry about your data.

Make copies of anything you would store in a safety lock box. Marriage and birth certificates are good choices, in addition to financial documents you can use to prove your identity or income. Pay stubs, tax records, adoption paperwork, and any other documents deserve protection. You can request the help of Warrior Insurance and Services Group if you are in Colorado or Texas.

Questions to ask your agent before you buy car insurance

Monday, February 3rd, 2014

When you step into your insurance agent’s office to buy car insurance, don’t be shy about asking questions. You should understand exactly what your policy does and does not cover. You also want to make sure you are getting the lowest possible premium for the amount of coverage you buy.

Ask about the availability of discounts. Discounts can provide substantial savings on your premium, sometimes as much as 20-30 percent. Some of the discounts you may be able to qualify for include a multi-policy discount, a claim-free discount and a discount for being a safe-driver.

You should ask about the difference in the premium if you choose a low or a higher deductible for your collision and comprehensive coverage. Ask your agent if you need uninsured and underinsured-motorist coverage. If you only have liability coverage and get hit by an uninsured or under-insured driver, this coverage will pay to repair your vehicle.

It is always good to cover all of your bases when you buy a policy. How much will your insurance company pay if your car is totaled? Will your car insurance pay for original manufacturer parts when you file a claim?

For more information about car insurance in Colorado Springs as well as parts of Texas, please contact Warrior Insurance and Services Group.  

Filing an Insurance Claim for Best Results

Wednesday, January 29th, 2014

When you need to get money from your insurance company to pay for damages or repairs, it is important to file a claim properly to get the ball rolling efficiently. From state to state, insurance company requirements for processing a claim differ. Generally, the process is easy. Contact your agent, and an adjuster will assess the damage and submit a report. Once this is done, the company will send you a check.

To get the best results, know your policy and what it covers. Then if you need to file a claim, send it in as soon as you can after the event occurs. Some companies have a deadline. Keep a copy of any reports including police reports, estimates, anything at all related to the claim. If you need to file a police report, get the name, address, phone number and name of the other party’s insurance company before you leave the scene.

For more information about how to file an insurance claim in Colorado and Texas, contact Warrior Insurance and Services Group.

 

Do You Have An Uninsured Home?

Friday, January 24th, 2014

If you own a home, you most likely have insurance on it. But do you have enough insurance? Many people don’t realize they are underinsured until it is too late. Here are some tips to get the best coverage on your home. 

Do Not Go Cheap

When you are buying homeowners insurance, you cannot afford to go cheap. Tell your insurance agent that you want the best possible coverage you can buy.

Get Disaster Coverage

You should definitely consider getting disaster coverage because floods and earthquakes are usually not covered under a typical homeowner’s insurance policy. You just never know when a serious disaster will hit your area.

Look At the Loss of Use

It is important to check out the loss of use policy before buying a home insurance policy. If your home needs rebuilt, your insurance policy should give you money to pay your rent for two years. 

For more information about homeowners insurance in Colorado or Texas, contact Warrior Insurance and Services Group.

The Facts About Renters Insurance

Monday, January 20th, 2014

If you are like a lot of renters out there, you might not realize the importance of carrying renter’s insurance. The truth is that renter’s insurance is more important than you think. Here are some important questions that are commonly asked about renter’s insurance.

What Does It Cover?

A typical renter’s insurance policy covers personal property protection, reimbursed living expenses, liability protection and guest medical protection.

Do I Need Insurance If I Don’t Own Any Expensive Things?

Even if you don’t own the most expensive jewelry or electronics, your belongings still mean something to you. If someone robbed your home or a fire broke out, you would not have these items anymore. 

What Exactly Is Personal Liability Insurance?

Personal liability insurance is usually included in a renter’s insurance policy and can protect you if someone gets injured in your home. If you have renters insurance, you will not have to pay for the damages out of your own pocket.

For more information about renter’s insurance in Texas or Colorado, contact Warrior Insurance and Services Group

Term Life Insurance: What Is It And Why Invest?

Thursday, January 16th, 2014

Many individuals purchase a life insurance policy merely as a death benefit, or as a response to such life changing events as getting married or having a child. Because many individuals purchase life insurance when they are still young and very healthy, the favorite choice is usually the simplest — term life insurance.

As the simplest life insurance option, term life allows the insured to obtain coverage affordability over a specified period of time (usually 10, 15 or 20 years). The premiums remain low throughout the coverage period, and coverage can often be renewed at a higher premium without the insured providing evidence that he or she remains in good health. Of course, if you pass away during the coverage period, your designated beneficiary receives the death benefit; those funds can be used to pay for higher education or to keep the family business afloat.

What many life insurance customers may not understand is that at the end of the term, the term life policy can also be converted to a permanent life insurance policy. Permanent life insurance policies build cash value (which you can borrow against when you need it) and earns dividends.

Warrior Insurance and Services Group has been assisting customers in both Texas and Colorado in getting the life insurance needed to protect their families. For a no-obligation consultation with one of their experienced insurance professionals, contact Warrior Insurance today!

Reasons Life Insurance is a Smart Investment

Friday, January 10th, 2014

Life insurance is typically associated with old age or death. However, this investment is the smartest choice for anyone with a family, home, and other assets. All these major responsibilities will burden your loved ones if tragedy strikes suddenly so just like providing food and shelter, life insurance is an essential part of protecting all your investments. Unfortunately, these days you just cannot take the risk of not preparing for accidents.

For most couples and families, permanent life insurance is more beneficial than term policies. The latter covers a specific period before expiring, such as 20 years. Newlyweds and young families need a permanent policy for coverage when it is most necessary. The best part is the cash value accumulates over the years and is tax deferred. The combination of accessibility to cash and a continuous policy is the smartest choice.  

Before you withdraw cash from a permanent life insurance policy, assess the remaining value of cash and benefits for death. For quality assistance in Colorado or Texas, contact Warrior Insurance and Services Group for the best service, policy options, and competitive rates.

3 Things You Can Do to Prevent Carbon Monoxide Poisoning

Monday, January 6th, 2014

Carbon monoxide is an odorless gas that can make you sick or kill you. The good news is that carbon monoxide can be easily prevented. Here are three things you can do to insure your family’s safety.

Perform Regular Maintenance

Furnaces, water heaters, charcoal burners and oil burners all make carbon monoxide when they are not working properly. Make sure you get all of these appliances inspected once a year to be sure that they will not generate lethal amounts of carbon monoxide.

Get a Detector

If your home has an attached garage or a working fireplace, it is more prone to getting buildups of carbon monoxide than conventional homes. Make sure you install CO2 detectors in the home, basement and garage to stay protected. Never run a car for long periods of time in closed garages, even if a window or door has been left open.

Vent Chimneys

Before using a fireplace, make sure all the chimney vents are open.

If you want to find out more about home safety and live in Texas or Colorado, please contact Warrior Insurance and Services Group today.

How to Get the Best Firewood

Thursday, January 2nd, 2014

Achieving toasty comfort plus value from firewood takes planning. Using the right wood can boost the productivity of your stove or fireplace during the coldest months.

When looking at local woods, consider that oak, maple and hickory burn longer and hotter than others and are ideal in winter.  During fall and spring, better choices are pine, spruce and poplar, which burn faster and make it easier to control the heat they produce in your home.

Sellers typically offer a “cord” of wood, a confusing term. A full cord is a stack 8 feet long, 4 feet tall and 4 feet wide.  However, sellers seldom offer pieces that size because they’re too wide to burn.  Various names refer to smaller pieces.  Your best bet is to buy a full cord if possible.

Taking proper care of wood includes crisscrossing the pieces and stacking them off the ground.  Let them dry for at least 6 months.  Remember to store a supply in a covered area near a convenient door.

For information on personal and commercial insurance needs, contact Warrior Insurance and Services Group, serving the Colorado Springs and Monument, Colorado area and with a strong presence in Texas.

Lock Down Your Mobile Data to Keep Thieves Out

Monday, December 23rd, 2013

The smartphone has turned the computer into a portable device, connecting everyone together from the office to the field. A wide variety of organizations use the smartphone as a means of scheduling, emailing, communicating, sending files amongst the many possible uses. But, because this information is sent over the air, any hacker can easily pick up unlocked information and use it for nefarious purposes. Following are tips for locking down data and ensuring privacy for employees and customers alike:

  • Utilize a VPN, or virtual private network. A VPN requires a password to log into, and secures data by scrambling the data that is being sent.
  • Encryption, also known as Secure Socket Layer (SSL) is another way to scramble data. SSL is also very difficult to break, and deters the casual hacker.
  • Teach employees to be aware and vigilant about what they send, and where they send it from. For example: don’t send sensitive company documents through the open Wi-Fi network at the coffee shop.
  • Utilize security systems from the home network, such as device monitoring, enabling remote lockout and system wipes for lost devices and ensure passwords are used at all times.

Mobile security is best tailored to the particular needs of a certain type of business. But, taking steps to engage in security can greatly reduce the risk of a data breach.

Warrior Insurance and Services Group is an independent insurance agent that proudly serves the residents of Colorado and Texas. Contact us today to talk to an agent!

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