As a business, you need insurance. It’s as plain and simple as that. Not having insurance leaves you open to all sorts of problems that can include losing your valuable assets through theft, damage and fire – as well as being open to lawsuits and liability issues of someone gets injured, sick or dies on your business property. Your best bet for Colorado business insurance is DCInsurers, where we will not only give you a fair price for your coverage, but also walk you through the complicated procedure for getting things set up and ensuring everything is in place so you not longer have to worry about your business’s insurance coverage.
If you’re trying to decide what kinds of Colorado business insurance you need, there are many different kinds to choose from. The two main kinds are property insurance and liability insurance. Property insurance covers your business location and contents in case of fires, theft, floods, earthquakes and various other catastrophes. There is also liability insurance, which protects you if someone sues you for negligence after an accident on your property or other incident that causes them harm. Other kinds of business insurance are commercial auto insurance, product liability insurance, business interruption insurance, health insurance, life and disability insurance and workers compensation insurance.
As mentioned, navigating the world of business insurance can be a complicated process. Along with our great coverage, we provide you with the resources you need to make informed decisions about your business insurance coverage. We recommend starting your research into Colorado business insurance at the State of Colorado Department of Regulatory Agencies Insurance Division (DORA), where you’ll find a plenty of information that will help you learn about Colorado business insurance, how it applies to your business, what coverage you might need and how to make sure your insurer is reliable.
The latter is so important when choosing your Colorado business insurance. You need to make sure your insurance agent is licensed to provide insurance in the state of Colorado by asking for his or her full name as it appears on the Colorado Insurance Producer License, which you can then verify using the DORA Consumer Information page. Also make sure to get the complete name of the company underwriting the insurance, along with the address and telephone number of a contact person at that agency.
After checking out that your insurance agent and underwriter are registered to provide your Colorado business insurance, you need to make sure that the company is financially sound. You can ask for the company’s financial statements and look over them yourself, or also check online for statements at the National Association of Insurance Commissioners.
You also need to make sure your insurance agent is covered under the Colorado state guaranty fund so that if it happens to become insolvent, your Colorado business insurance policy will be backed up by this additional state protection.
If your head is swimming as you consider all the angles of your Colorado business insurance policy, know that DCInsurers is here to help. Your quote is just an online application away, and you can apply with the knowledge that we won’t divulge your information to third parties and a knowledgeable agent will be in touch soon to help you on your way.