Latest Blog Posts
Does Homeowners Insurance Cover a Home-Based Business?
Running a business from home can be convenient, but it may also create risks that a standard homeowners insurance policy was not designed to cover fully. A homeowners policy may provide limited coverage for certain business property, depending on its terms. However, it may exclude or restrict coverage for business-related liability, inventory, equipment, lost income,
What Is a Business Owner’s Policy and What Does It Cover?
A Business Owner’s Policy, commonly called a BOP, combines several types of business insurance into one policy. For eligible small and midsized businesses, a BOP typically includes general liability, commercial property, and business income coverage. Packaging these coverages can make the policy easier to manage and may be more economical than purchasing each coverage separately.
How Much Life Insurance Do You Need?
The right amount of life insurance depends on more than your income. Your mortgage, debts, family responsibilities, savings, existing coverage, and future expenses can all affect how much protection may be appropriate. For Colorado families, the goal is to choose coverage that reflects the financial responsibilities loved ones may need to manage if an income
Business Insurance vs. General Liability Insurance: What’s the Difference?
If you own a business, you may hear business insurance and general liability insurance used interchangeably. They are not the same. General liability insurance is one specific type of business coverage. Business insurance is a broader term that can include several types of coverage designed to address different risks. Knowing the difference can help Colorado
Does Your Personal Auto Policy Cover Driving for Your Business?
If you occasionally use your personal car to visit clients, pick up office supplies, or drive between work sites in Colorado, you might assume your personal auto insurance has you covered. After all, it is your car, and you carry a personal auto policy. However, many Colorado business owners and self-employed professionals are surprised to
Term Life vs. Whole Life Insurance: What’s the Difference?
Life insurance can help protect the people who depend on you financially, but choosing a policy involves more than selecting a coverage amount. You also need to decide what kind of coverage fits your goals. Term life and whole life insurance can both provide a death benefit to your beneficiaries. The primary differences involve how
