What Littleton Entrepreneurs Should Know About Business Owner’s Policies

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Setting up your own business in Littleton, CO, can be exciting. As an entrepreneur, you may be learning along the way. What’s important, however, is that you don’t learn the hard way because of a financial mistake. At Front Range Insurance Services, we’re committed to helping you get the necessary insurance policies so you don’t encounter financial hardship.

Don’t Assume Your Insurance Covers It

One of the biggest issues we hear from entrepreneurs is, "I thought I was covered." Assumptions are dangerous because they can lead to massive financial liabilities.

For example, if you are a home-based business, your home insurance doesn’t provide you with nearly the level of protection that you think it does.

The best thing that you can do is sit down with an experienced insurance agent. That way, it’s a chance to talk about your business and learn about all of the risks. Once you know about the risks, you can determine what kind of insurance you need.

Business Needs Change

You may already have a policy and assume that your policies are fine where they’re at. Maybe they are, maybe they are not.

Your business may evolve. You may get a fleet of vehicles, start hiring employees, or expand your assets. Any time something in your business changes, your business policies should change, too. That way, you reduce the likelihood of one issue ruining you financially.

Explore the Right Policies for Your Business

Whether you are just getting started or you’ve been an entrepreneur in Littleton, CO, for years, let us help. At Front Range Insurance Services, our knowledgeable agents can talk to you about what’s best for your business. We can create a custom policy and get multiple quotes to ensure you get the most affordable premiums. Contact us today to let us help!

Introducing General Liability Insurance

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Protecting your Littleton, CO business requires more than a single commercial insurance policy. It requires a comprehensive policy package and general liability insurance (GLI) should form a fundamental part of that package. Front Range Insurance Services can help you build an insurance package that safeguards your finances from various types of settlements.

Defining General Liability Insurance

General liability insurance offers businesses financial protection when a customer, vendor, or other person or organization files a claim against them for:

  • Property damage
  • Bodily injury
  • Libel
  • Slander

While it may cover other types of liabilities, it does not cover liabilities created by a faulty product the company created. That falls under errors and omissions coverage.

What General Liability Insurance Covers

Let’s consider a few scenarios where GLI coverage applies. If a visitor to your store or office suffers an injury, for example, from a slip and fall accident, they should file a claim on your GLI policy. If kids playing ball in the parking lot break a window pane, damaging a customer’s property that you’re repairing, GLI’s property damage liability pays for the customer’s property.

A GLI policy protects both ways regarding libel and slander. This policy covers it if you make or write a defamatory statement about someone and they sue you. Conversely, if another person makes or writes a defamatory statement about your company, the reputational harm component of GLI protects your finances. Any claim of copyright infringement in marketing your company also falls under GLI’s protections. Besides the settlement costs, this policy covers legal defense costs.

Contact Us Today

Every brick-and-mortar Littleton, CO business needs liability coverage because they have on-premise visitors. Call or email Front Range Insurance Services today to start your policy.

Insurance Coverage for Recreational Boating Activities

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Are you planning to use your boat for recreational activities? If so, your standard boat insurance policy may not provide sufficient protection. You should consider the coverage you need for each recreational activity you and your boating companions will participate in.

Recreational Coverage Protection

Recreational coverage is designed to protect you during activities such as fishing, water skiing, towing, or any other leisure activities involving your boat. This type of protection covers you during active boat outings and may also provide protection when your boat is docked or towed. The amount of protection you choose should align with the level of risk each recreational activity poses.

The coverage amount should be adequate for the type of recreational equipment you own. The recreational insurance coverage you secure may cover the cost of repairing or replacing recreational equipment. Ensure that the value of your recreational equipment is taken into account.

Your Recreational Boating Assessment

A boating assessment will help you determine how much recreational coverage to obtain. Your recreational coverage may be categorized as follows:

  • Liability protection
  • Mechanical protection
  • Cosmetic protection
  • Cleaning and maintenance protection
  • Loss of use protection

Inspection Steps To Take

Your boating assessment should be conducted well before using your boat for recreational purposes. During the evaluation, inspect all the recreational equipment you plan on using on your watercraft. Consider the risk of someone getting injured while on board your boat. If you are transporting others who will be using recreational equipment, you will need adequate liability protection.

Contact an Agent Who Serves Littleton, CO

Contact one of our insurance agents from Front Range Insurance Services. They will guide you with the boat insurance you need.

Does Motorcycle Insurance Cover You When You Drive a Car and Vice Versa?

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Before you drive your vehicle in Littleton, CO, or attempt to rent a car or motorcycle, ensure you have the appropriate auto or motorcycle insurance policy. In this blog, Front Range Insurance Services will clarify a common misunderstanding about motor vehicle insurance.

Auto and Motorcycle Coverage Are Not Interchangeable

Auto insurance only covers driving automobiles, and you can use your auto policy when renting a car. Your motorcycle policy only covers your motorbike, and you can use it to rent a motorbike. However, they aren’t interchangeable. You can’t use a motorcycle policy to rent a car or an auto policy to rent a motorbike.

Although both auto and bike coverage contain liability coverage, you can’t use them on other types of vehicles. Part of this stems from the fact that different kinds of vehicles require different types of driver’s licenses, and riding a motorbike involves increased risk. The other part comes from auto insurance, specifically naming a vehicle. You must obtain auto insurance for each automobile you own, and they’re not interchangeable either, although you can use your auto policy to rent a vehicle.

An Example of How This Works

If you purchase an auto policy for your 2024 Dodge Challenger, you can’t buy a Chevy Corvette two weeks later and use the policy you purchased for the Challenger to cover it except to drive it home from the lot. You can contact your insurance agent to add coverage and create an auto policy package. Similarly, the coverage on your Harley-Davidson motorcycle does not cover you driving the Challenger or Corvette. That requires a separate policy specific to automobiles. In some states, insurance companies offer endorsements for the auto policy, and a policyholder can add an endorsement that covers the motorcycle.

Update Your Auto and Motorcycle Insurance Today

Contact Littleton, CO’s Front Range Insurance Services today for an insurance review of your auto and motorcycle coverage. Let us help you create an insurance package covering your motor vehicles.

Can You Have More Than One Life Insurance Policy?

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Understanding Changes and Multi-Policy Options in Life Insurance

Life insurance plays a crucial role in financial planning. After procuring a life insurance policy, you may want to modify it or purchase another one. What changes are allowed, and can one hold more than one life insurance policy? Let’s explore.

Changing a Life Insurance Policy

Life insurance policies come in different forms, including but not limited to term and whole life policies. Regardless of the policy type, you can always amend the policy’s beneficiary. Thus, if buying another policy merely to add a beneficiary is your goal, you don’t need an extra policy for this purpose. You can simply communicate with your Front Range Insurance Services insurance representative in Littleton, CO.

Is More Than One Life Insurance Policy Allowed?

Yes, you can legally have more than one life insurance policy. However, many insurance applications explicitly ask whether you already have insurance, and it’s important to answer this question honestly. Affirming this does not automatically disqualify you from obtaining a second or even third policy.

Why Have Multiple Life Insurance Policies?

Several valid reasons explain why one might choose to have more than one policy. For instance, you might want to carry both a term life and a whole life policy since their terms significantly differ. Major life events like family expansions may prompt you to consider an additional policy. Some insurance companies do not allow for increased benefits; thus, purchasing an extra policy may cater to increased needs.

At Front Range Insurance Services in Littleton, CO, we offer an assortment of life insurance policies to accommodate your current and future needs. Feel free to contact us today for more information.

Workers’ Compensation for Your Business

Posted on by Jessica Ceriani

Who Needs Workers’ Compensation?
Are you a business owner who hires employees? If so, you are legally required to carry workers’ compensation insurance in the state of Colorado. This is true whether you have just one employee or an entire team of workers. Employers who do not carry workers’ comp insurance can be fined up to $500 for every day they are uninsured. Offering health insurance is not a substitute and many health plans exclude injuries that may be covered under workers’ comp.

What Benefits Does Workers’ Compensation Provide?
Workers’ comp covers medical costs and lost wages for employees injured on the job, but it also helps protect your business. It covers unexpected costs and helps injured employees get back to work quickly, keeping your operations running smoothly. This is especially important for businesses that largely rely on their workforce: restaurants, retail stores, medical and professional offices. It also gives you legal protection as, in most cases, employees who receive workers’ comp benefits cannot sue their employer for additional compensation. If an employee is injured on the job and does sue their employer, workers’ comp can cover legal expenses and protect a business in the event of a lawsuit.

Whether it’s burns and cuts in a busy kitchen, Repetitive Strain Injuries from lifting heavy objects, or simple slips and falls, accidents happen and having the right workers’ comp coverage in place is crucial. It protects your employees, which, in turn, protects you and your business.

If you need workers’ comp insurance in the state of Colorado, please contact our office at
303-951-5982. We can assist with all your business insurance policies or just your workers’ comp.

Three Ways To Improve Security in Your Business

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Business owners are responsible for ensuring the safety of their property for their employees, customers, and visitors. If you’re looking to enhance your business’s security, consider the following three options from Front Range Insurance Services in Littleton, CO.

Improve Security for Your Colorado Business

1. Install Exterior Lighting

A common oversight among business owners is insufficient exterior lighting. Employees who arrive early or leave late would benefit from a well-lit, secure environment to and from their vehicles. Adequate lighting should not only be limited to the building’s exterior but should also extend to parking lots and the property’s perimeter to deter intruders and facilitate full visibility.

2. Implement a Visitor Sign-In System

Keeping track of who is on your property at all times is essential, especially if your business deals with sensitive or specialized material. A secure policy would be to have a visitor sign-in system in place. Older methods might involve manual name recording, but advanced sign-in options could scan their ID card for verification.

3. Ensure Doors Lock Automatically

Areas requiring isolation from visitors and customers can be secured with automatic locks on the doors. Access can be restricted to authorized personnel equipped with keys or codes, keeping unauthorized individuals out. This protects employees, visitors, and customer data that could be compromised if an unauthorized person gained entry. Using digital locks for these areas could also help maintain entry and exit records.

If you need commercial insurance in the Littleton, CO area, contact us at Front Range Insurance Services today for more information.

Is Your Landscaping Covered By Your Home Insurance Policy?

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When it comes to home insurance, most people think about their house’s structure and personal belongings. But what about your beautiful landscaping? We often get questions about whether home insurance policies cover landscaping at Front Range Insurance Services, serving the greater Littleton, CO region with insurance products. Let us dig into this topic and find out what you need to know.

Understanding Landscaping Coverage

Landscaping, including trees, shrubs, plants, and hardscaping elements like pathways and retaining walls, can significantly enhance your home’s curb appeal. But is it protected by your home insurance policy? Generally, most standard home insurance policies provide some coverage for landscaping, but it’s crucial to understand the specifics.

What Is Typically Covered?

Most home insurance policies offer limited coverage for landscaping, usually up to a certain percentage of your dwelling coverage. If a covered peril, such as fire, vandalism, or certain natural disasters, damages your landscaping, you could receive compensation for the loss. However, this coverage often has a limit.

Exclusions and Limitations

It’s crucial to be aware of your policy’s exclusions and limitations. Damage from wind, hail, and disease is often not covered, and the cost to replace mature trees and plants may exceed the policy’s limits.

Enhancing Your Coverage

If you have invested significantly in your landscaping, you might want to consider additional coverage. Endorsements or riders can be added to your policy to provide extra protection for your landscaping investments. This ensures that you’re fully covered in the event of unexpected damage.

At Front Range Insurance Services, we believe in protecting every aspect of your home, including your beautiful landscaping. For personalized home insurance in the greater Littleton, CO, area, contact us.

Things to Consider Before Going on a Road Trip

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Road trips are a lot of fun and are practically a rite of passage for many Americans. If you’re hitting the road, however, it’s wise to make sure you take the time to prepare appropriately. Contact Front Range Insurance Services to explore auto insurance policies if you live in or near Littleton, CO.

Download Maps

Did you know that many GPS map programs allow you to download maps? If you lose data or reception while traveling, you can keep your heading. This is especially important on complicated routes, but it can turn out to be helpful pretty much anywhere.

Roadside Service

Should you suffer a flat tire or lock your keys in your car, roadside services may provide you with free assistance or substantially reduced costs. Sometimes, you can add these services to your insurance plan. You can also get separate plans. It’s also wise to ensure that you personally know how to change a tire, jump a battery, and perform other simple procedures.

Get Auto Insurance

You’ll want an auto insurance plan before going on a road trip. Should you end up in an accident, having insurance is crucial. Without insurance, you’ll be putting yourself at significant risk and could end up on the hook for some costly bills.

Setting Up Roadside

Should your vehicle break down while out on the road, you should know where the best place to stop is. You should also be able to set up flares and other things to alert fellow drivers that issues may lie ahead.

Know the Weather

You should know what weather conditions will be like day to day. Additionally, if there are unique risks in areas far from home, such as wildfires, you should understand how to react and should also keep an eye out for warning signs.

Need more assistance? Looking for auto insurance and an agency that serves Littleton, CO? Contact Front Range Insurance Services.

Learn How to Weather Any Storm with Umbrella Insurance in Littleton, CO

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The latest round of severe storms traversing across Colorado and the rest of the US has numerous homeowners and automobile owners re-examining their current insurance coverage options.

Licensed insurance experts at Front Range Insurance Services in Littleton, CO, can help ensure that you and your loved ones are financially protected from life’s most unpredictable storms. 

Umbrella insurance is a unique form of coverage that extends the financial limits of an existing auto or home insurance policy. Locals are protecting their most prized possessions by investing in comprehensive policies that shield their personal finances from the devastating aftereffects that can follow a natural disaster, theft, burglary, or automobile accident. 

Talk to a trusted local insurance professional to learn more about the benefits of umbrella insurance and how to extend the limits of your current policies.

A knowledgeable and trusted agent can help you inventory your most prized possessions and choose the best umbrella insurance policy to provide comprehensive coverage for them. 

Get Umbrella Insurance from a Trusted Local Insurance Agency 

Front Range Insurance Services understands the unique needs of Littleton residents. We strive to help our clients find the best insurance solutions for their lifestyle and budget. We offer comprehensive insurance solutions to help you protect your home, auto, and business from covered perils that would normally devastate your finances, leaving your family in a bind. 

Please don’t wait until the unexpected happens, and it’s too late to protect your valuables with full coverage umbrella insurance! Don’t hesitate to contact an agent at our offices and kickstart your umbrella insurance quote today! We’re here to make the process as easy and straightforward as possible for you.