Most people know that doctors, dentists, and lawyers need malpractice insurance, yet so do accountants, financial planners, computer analysts, journalists, realtors, and many other professionals.

A lawsuit against any professional for “malpractice,” can occur in surprising ways. There is no need to make a mistake to suffer an attack of a lawsuit. Of course, if a mistake is made the chance of a lawsuit may be higher; however, lawsuits may arise from misunderstandings as well. The courts in America, which is the most litigious society on earth, are full of lawsuits based on misunderstandings and even those that are considered “frivolous,” with no basis in fact whatsoever.

Malpractice insurance is understood more clearly when the insurance is called Errors & Omissions (E&O) insurance.

Here is an example of where E&O insurance applies. Imagine a stockbroker gets an order from a client to buy or sell a stock. If the broker makes a mistake when entering the order and does the wrong thing by accident, there can be a large problem for the client’s account. If the broker was supposed to sell a stock and instead buys it, the losses may be substantial. If a loss occurs because a broker made a mistake, then E&O insurance is necessary to cover the mistake.

Accountants, lawyers, computer analysts, and many other professionals can also make mistakes. These mistakes may be costly and cause a lawsuit from any people that suffer damages. As a rule, any professional that needs to have a license by a state or other authority benefits from having “malpractice” or E&O insurance.

How much malpractice insurance do I need?
There are two considerations when thinking about malpractice insurance. The first one is the possibility of a huge award that comes from a lawsuit. The second one is the cost of the legal defense. Even if the lawsuit does not result in an award, in other words, you win; you still have the potential of enormous legal fees that arise simply from the defense of your case.

Be sure to check in with the agents at Front Range Insurance Services to review your commercial insurance coverage for malpractice issues.

Insurance in Littleton, CO is not only a good idea for safety reasons, but for legal reasons as well. It is a great experience to drive around Colorado’s famous mountain roads, but no matter how good you are at riding on your bike, you are always going to run the risk that you wind up in an accident – either due to your own mistakes made or the mistakes of someone else on the road. There are a variety of hardships a person may face due to procrastinating on becoming insured. For instance:

• You could find yourself encumbered by medical debt due to serious injury in a car accident (an injury that can have many greater implications than just financial loss)
• Your motorcycle could be damaged, and depending on the severity of the injury, it could result in anything from a small repair job, to a big repair job, or perhaps even a complete replacement (an entirely untenable choice for anyone who has formed an attachment with their vehicle).
• Your license could become suspended if police were to discover that you are not insured. Not only would this prevent you from driving, it would limit you from having access to all of the places that you need to get, like your place or work.

None of those sound like a great time, so hopefully Front Range Insurance Services can help you find the insurance plan that works best for you.

Colorado drivers specifically should take note that in recent years, the Colorado government has eliminated the no-fault auto insurance system. What this may mean for you may vary from person to person, so be sure to read further into this. Either way, if you need further clarifications or if you just have a comment you want to make, you can contact Front Range Insurance Services online or by phone at (303) 951-5982.

For many people, summer is the best part of the year and there are so many things that you can do to have fun. A really popular way to have fun throughout the summer is with a boat, especially if you live near a body of water such as a lake or the ocean. With the weather heating up and the days getting longer, you probably cannot wait to actually get out on the water this summer. Before you do, though, there are a few things you should do to your boat to make sure it is as ready for all the fun as you are. Use these tips to get started.

• Get a tune up for your boat. You should make it a habit to get a tune up every single year on your boat and this is the perfect time of year to do it so you always remember. 
• Since you likely did not get your boat out at all in the winter, you will want to check your battery to make sure it is still strong. If it isn’t, make sure you get a new one so you can actually get on the water.
• De-winterize your boat. If you winterized it before the cold weather, be sure to de-winterize it for the summer.
• Make sure you have life jackets and a working fire extinguisher on board just in case you need it.

Even by doing all of these things, if you do not have a good boat insurance policy for your protection, then you are still not ready to get out on the water. Contact us at Front Range Insurance Services today for take a look at some options for you or even take a look at your current policy.

Front Range Insurance Services has been serving the Littleton, Colorado community for over ten years. Jessica Ceriani with her father Donald J. Striplin started the company in 2004. He always taught her the importance of giving back to the community. Donald is a frequent volunteer. Jessica is following along in his footsteps. This father/daughter team is amazing in what they have accomplished together.

Here are some ways to participate in community involvement in Littleton, Colorado:

Volunteer to Help – Volunteermatch.org shows hundreds of volunteer opportunities in Littleton, including fun things like helping the Colorado Wind Ensemble or helping out at the Carson Nature Center.

Help the Littleton City Government – The Bemis Library and Littleton Museum always need some volunteer help. There is also the unique program called the “Snow Squad,” which helps Littleton citizens over the age of sixty by shoveling the snow from their sidewalks when they are not able to do the task themselves.

Help at the Hospital – Littleton Adventist Hospital has plenty of volunteer opportunities. These are especially good for those going into the healthcare field.

Help a Horse in Need – For those who love horses, the place to help by donating money or by volunteering is the Zumas Rescue Ranch. They rescue abused and neglected horses. They bring them back to good health. They have a wonderful program working the horses with children that have learning disabilities and other problems.

Help Pandas – Littleton is the home of Pandas International, an organization dedicated to help preserve Pandas.

Therapy Animals – Denver Pet Partners takes therapy animals into hospitals to improve patients’ emotional well-being and speed recovery.

Summary
There are so many wonderful opportunities to get involved in community service in Littleton. Front Range Insurance Services has a great deal of admiration for those doing volunteer work. We feel that helping others with kindness, including with their insurance coverage, is our mission. Please contact us for any insurance needs.