Latest Blog Posts
Medical Payments Coverage After a Car Accident
When comparing auto insurance in Castle Rock, it is easy to focus on liability, collision, and comprehensive coverage. Medical payments coverage is another part of a car insurance policy worth understanding because it may help pay certain medical expenses after an accident. This coverage can apply regardless of who caused the accident. It serves a
Home Insurance Deductibles After Hail and Storm Damage
Colorado storms can damage roofs, siding, windows, gutters, and other parts of a home. When that happens, the cost of repairs is only one part of the insurance claim. Your deductible, coverage limits, property valuation method, and policy terms can all affect how much you may pay out of pocket. Understanding your home insurance deductible
Cyber Liability Insurance for Small Businesses: What It Covers
Small businesses use technology every day to communicate with customers, process payments, store information, and manage their operations. If an email account, computer system, or cloud-based service is compromised, the business may face expenses related to investigating the incident, restoring data, notifying affected individuals, and responding to claims. Cyber liability insurance is a type of
When the Other Driver’s Insurance Falls Short
A car accident can become more complicated when the at-fault driver has no insurance or does not carry enough liability coverage to address the injuries they caused. Your own auto policy may provide another source of protection. Uninsured and underinsured motorist coverage—often abbreviated as UM/UIM—is designed to address certain bodily injury damages caused by a
General Liability vs. Professional Liability Insurance: What’s the Difference?
Liability insurance can help protect a business from certain claims, but different policies are designed for different risks. Two common types are general liability insurance and professional liability insurance. General liability generally addresses certain claims involving bodily injury, property damage, and personal or advertising injury. Professional liability generally addresses certain claims arising from professional services,
Life Insurance Beneficiary Mistakes That Can Create Problems Later
Choosing a life insurance beneficiary may seem straightforward, but the designation can determine who receives the policy’s death benefit. A beneficiary form that is incomplete, outdated, or inconsistent with the rest of your financial plan can create delays and disputes. Marriage, divorce, the birth of a child, the death of a beneficiary, and changes in
