Latest Blog Posts
Professional Liability (E&O): Who Needs It?
Professional liability insurance, also known as E&O coverage, protects service-based businesses from claims of errors or negligence. Colorado Springs professionals who provide advice or specialized services may benefit from understanding whether this coverage applies to their work.
Does Homeowners Insurance Cover Water Damage?
Water damage is one of the most common homeowners insurance claims. Colorado Springs homeowners often wonder what types of water damage are covered and what requires separate flood or backup protection. Understanding the difference can help prevent costly surprises.
How Your Driving Record Affects Your Insurance Rates
Your driving record plays a major role in determining auto insurance rates. Colorado Springs drivers with tickets or accidents may see higher premiums, while clean records often qualify for discounts. Understanding how insurers assess risk can help you plan ahead.
Business Interruption Insurance Explained
Business interruption insurance helps replace lost income when a covered property loss forces a temporary shutdown. Colorado Springs business owners can benefit from understanding how this coverage works and whether current limits reflect their financial needs.
Why Your Home Insurance Premium Went Up in 2025
Many Colorado Springs homeowners experienced a home insurance premium increase in 2025. Rising construction costs, severe weather claims, and broader industry trends all played a role. Understanding what drove the change can help you make informed coverage decisions going forward.
Full Coverage vs. Liability Only: What’s the Difference?
Choosing between full coverage and liability-only auto insurance depends on your vehicle, budget, and comfort with risk. Understanding how these options differ can help drivers make more informed decisions about their coverage.