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Recent Posts

  1. What is the difference between co-pays and co-insurance?

    by tschroeder

    Category: Health Insurance

    Health Insurance terms can be confusing, so we’ll do our best to keep it simple. A co-payment is a set fixed amount that you always pay for medication, medical office doctor visits or a procedure at a facility when you receive a service.  This co-payment amount, even though it’s fixed,  is part of your out-of-pocket expenses.  […]

  2. New Homeowners Insurance Law In Colorado Starts in 2014

    by pmartin

    Over the past few years Colorado has seen numerous catastrophic wildfires that brought to light a very uncomforatble truth. Most Coloradoans do not keep their homeowners insurance policies up to date to provide adequate coverage in the event of total loss. In response to this issue, Colorado stepped up and passed the Homeowners Insurance Reform Act […]

  3. The Best Insurance Against Auto Theft is to Lock Your Doors – Even In Aspen

    by pmartin

    Although most residents in the Aspen area moved here because of the “laid back” lifestyle and to get away from crime rates in larger cities, we must remember that we are not immune to crime. For the first 10 years I lived here I never locked my home or my car doors. Many Roaring Fork […]

  4. How Self Driving Cars Could Lower Cost of Auto Insurance

    by pmartin

    I have seen and heard quite a bit about the future of self driving cars. In fact, self driving car technology already exists, and is being tested on public roads in 4 states. Your current vehicle may already possess some of the technologies used by self driving vechiles such as rear collision prevent, self parallel parking, […]

  5. Are You Vulnerable to Home Invasions?

    by

    Category: Our Blog

    When it comes to feeling safe and secure, you, like many other people, most probably feel safest in your own home. This is usually because of the familiarity of the surroundings, and the security measures you might have in place.  But an unfortunate truth is that, as people relax and unwind at home after a […]

  6. Keeping DIY Projects Accident-Free

    by

    Category: Our Blog

    Do you have a few DIY repairs planned around your Colorado property? Before you invite your friends over to help, you have better double check that you are properly insured. A sufficient homeowner’s policy should provide liability coverage for unintentional injuries that occur to visitors at your residence. Just because you have insurance, however, does […]

  7. Reducing Internal and External Theft

    by

    Category: Our Blog

    There are many threats facing Colorado business owners. A very serious one is theft. Crooks could cost you a lot of money by forcing your business to replace stolen items and pay higher insurance premiums. To reduce your risk, it is important to take steps to stop thieves that walk in from the street as […]

  8. Does Your Home Attract Lighting?

    by

    Category: Our Blog

    According to the National Weather Service, lightning is the top weather hazard in Colorado. The state sees about three deaths and 15 injuries related to lightning annually. These electrical discharges are more than just a danger to people. It could also harm local structures. One of the main concerns after lightning strikes a home is […]

  9. Key Statistics of Workers’ Comp

    by

    Category: Our Blog

    Some small or medium-sized businesses have been blessed with never experiencing an on-the-job injury or illness during the length of their operation. But even if your employees have not been involved in an accident, or a work-related illness, it is vital to remember that it is always a possibility. Consider these workers’ compensation-related figures compiled […]