Happy Mother's Day!
Mothers Make the World Go Round Mothers are awesome; everyone knows that. Mother's Day gives us a chance to thank them for the neverending work that goes into all that modern motherhood encompasses.But how can you give a mother...Read More
Memorial Day Safety Tips: How to Stay Safe During Your Holiday Weekend
May is the kickoff month to summer with Memorial Day Weekend! We're all excited about kicking off the summer with a big celebration, but don't neglect safety - there are many hazards outdoors, whether you're swimming, cooking, or...Read More
Key Items to Know About Mental Health During Mental Health Awareness Month
May is Mental Health Awareness Month, and it is extremely important to reach across the nation to draw attention to the various - and often surprising - ways that mental illness affect people's lives. This May, a number of...Read More
November 2021 SAI Newsletter
Keep Your Home Safe From Holiday Fires!Thanksgiving is right around the corner! Most of us associate Thanksgiving Day as a holiday that we spend time with family and friends, watch football, and eat a ton of food! What most people...Read More
October 2021 SAI Newsletter
Are you protected from cyber security threats?Since 2004, October has been recognized as National Cybersecurity Awareness Month. The Cybersecurity and Infrastructure Security Agency and the National Cyber Security Alliance collaborate...Read More
September SAI Newsletter
September is Life Insurance Awareness Month!Recent dated collected by LIMRA, shows the majority of Americans know that life insurance is an important coverage to have, however, according to the data collected, 46% of American adults...Read More
August 2021 SAI Newsletter
July 2021 SAI Newsletter
June 2021 SAI Newsletter
How Much Does Pet Insurance Cost?
The average dog owner spends $638 annually on routine and surgical visits to the vet. Insuring your pet can help ease the financial burden. The cost of pet insurance is not only affordable, it can also help you save on pet care through...Read More
Identifying Hail Damage to Your Roof
With hail season right around the corner, here are some useful tips from Travelers Insurance on how to identify hail damage on the roof of your home.Roof hail damage can be random with no discernible pattern, while hail damage to...Read More
How Small Businesses Can Use eCommerce to Boost Sales During COVID-19
As the world reels from the effects of COVID-19, no one is exempt. Even those who remain healthy have had their lives changed. And we know that workers in every industry are dealing with changes, from reduced hours to working remotely...Read More
Work from Home Tips for Safety and Productivity
For many businesses, allowing employees to work from home has changed from a privilege or perk to a necessity as measures are being taken to slow the spread of the novel coronavirus that causes COVID-19. As they shift from having full...Read More
Hail Season is Coming. Are You Prepared?
Hailstorms don’t last long, but they pack a real punch. Every year, hail causes nearly $1 billion in damages, mostly to roofs and cars. You can save hundreds of dollars and hours of cleanup by making sure you understand your...Read More
Insurance Carrier Providing Premium Credits during COVID-19
During COVID-19 many of us have experienced significant changes to our lives. Whether that is losing a job, taking a pay cut, making your home your permanent office, home schooling your kids, etc. We are lucky to work in an industry...Read More
Small Business Owner's Guide to the CARES Act
On Friday, March 27th, President Donald Trump signed into law the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The Act is intended to assist business owners with all types of financial needs they currently have. There...Read More
Distracted Driving: Why More and More Accidents are Considered Preventable
As agents we are frequently asked “why does my auto insurance rate increase every year?!” While this is a complicated answer, a common thread in this discussion is always distracted driving. Cellphone use and car technology...Read More
Does My Business Need Cyber Insurance?
The answer…YES! The use of technology is an important aspect of any business model in today's time. Technology is what helps businesses reach more clients, achieve higher efficiency and build their brand, however, it also places...Read More
February is American Heart Awareness Month
Currently heart disease is the number one cause of death to people in the United States. Heart health is an important topic for people of all ages and genders to consider. Many people associate heart disease with older people, however,...Read More
Here’s Why Your Home-Based Business Needs an Insurance Policy…
With the entrepreneurial spirit at a high here in the United States, many people are starting businesses based from their home in order to save cost in the early months and to provide an element of convenience; they can use as much...Read More
5 Tips on How to Stick to Your 2020 Goals
Goal setting is one of the most important habits we can create in business and in our personal lives. Goals are a way of keeping many of us on track to achieve our dreams and they are a great way to hold us accountable for our progress...Read More
Cold Weather Prepping Tips for Rental Properties
Each year as the winter season kicks into full force and we start experiencing daily freezing temperatures, we begin to see more cold weather related claims trickle in from our customer that own rental properties. One of the most...Read More
Thanksgiving Day Safety Tips
Most of us associate Thanksgiving Day as a holiday to spend time with family, watch football, and eat a ton of food! What most people don’t know, is that Thanksgiving is also the number one day of the year for home fires....Read More
The History of Veteran’s Day
In our opinion Veteran's Day is one of the most important recognized holidays in the calendar year, however, many Americans have no idea what the holiday is for and most often confuse Veteran's Day with Memorial Day. Understanding the...Read More
Named Perils vs. Comprehensive Coverage. Know the Difference!
"Do I have named perils or comprehensive coverage on my homeowner's insurance policy?" Most customers don't know that this is a question they need to be asking their agent every time they get a new homeowner's policy. The coverage...Read More
October is Breast Cancer Awareness Month!
Breast Cancer is the most common type of non-skin cancer in women in the United States and the U.K. According to the American Association of Cancer Research Breast Cancer accounts for 15% of all new cancer cases each year and in 2018...Read More
Why is it so expensive to insure my teen driver?
Turning 16 is one of the most exciting milestones in many people’s lives. When you turn 16 you feel like you’re growing up and have a new sense of freedom having the ability to get a driver’s license. This is a very...Read More
4 Ways to get more Online Reviews of your Business
In today's business world, online reviews can have a significant impact on your growth and referral network of new customers. I can honestly say that when I am looking into a business that provides a service I am looking for, I...Read More
Why your garaging address matters? Zip code impacts insurance rates more than you think…
Garaging Address, this is a term most people don't pay attention to in their auto insurance, but it actually can have a pretty significant impact on your insurance premiums.To start, what is your garaging address? It's simple, it's the...Read More
Service Line Coverage: the new product being offered by insurance companies
The insurance market is an ever evolving industry that continually develops new products to meet customer needs. One of those products that we are beginning to see offered with many of our carriers is Service Line coverage.Service Line...Read More
Great Ways to build your Customer Base when you’re in Sales
Sales can be a tough job no matter what industry you're in. Many sales people are able to quickly learn their products and become the expert, however, the roadblock we see most often relates to building a new customer base. We don't...Read More
What are the Advantages and Disadvantages of the three Agent Types?
Two weeks ago we reviewed the three main insurance agent types: direct, online, and independent. This week we will review the advantages and disadvantages to both and why we feel one is better than all of the available options.Direct...Read More
What are the Different Types of Insurance Agents?
The insurance industry is full of competition and options. Consumers have numerous channels through which to buy insurance, however, many consumers aren’t aware of their options and what they mean. In this post we will explain...Read More
Will my Renter’s Policy cover my property in a Storage Unit?
With the use of self-storage units rising, we frequently hear the question: “Does my renter's insurance cover the contents of my storage unit?” The simple answer is yes! However, there are a few stipulations to storage unit...Read More
Earthquake Insurance, do I need this coverage?
Although we don’t hear many questions about earthquake insurance in states like Colorado or Wyoming, we hear questions regarding the coverage frequently in states like California. Most consumers assume that damage to their homes...Read More
What kind of coverage do I have if my car is stolen?
One of the worst feelings to experience is the realization that your car has been stolen. May you were coming out of your house to leave for work and your car is missing or maybe you just finished grocery shopping and your car is no...Read More
Do you have a visually appealing, user-friendly business website? If not, keep reading…
In today's business environment it's imperative that businesses of all sizes have a great website. Studies have shown that the majority of consumers find services and businesses by searching online. Having a well-designed,...Read More
I just moved in with a new roommate, do we both need renter’s insurance?
The short answer: yes!While it may seem cost effective to share one policy and split the cost, the long-term consequences can be far more damaging than saving a few bucks up front. Let's look at the pros and cons for sharing a renter's...Read More
Valentine’s Day and Insurance. The surprising way they go hand in hand…
Valentine's Day oddly enough is a day that strongly reminds me of insurance and why insurance is not just something you purchase but it's something that can show your loved ones how much you love and care about their well-being. I know...Read More
Tips for your 2019 Insurance Review
The start of a new year always brings along new plans, new resolutions, and new ideas. Many of us focus on the fun and exciting aspects of the New Year, but with that we usually forget to review the important and more serious parts of...Read More
Renting a Car for Your Winter Vacation? Make Sure You Understand Your Insurance Coverage Before You
One of the most common questions we are asked as agents is “Is my rental car covered when I go on my trip?” The short answer: yes and no.The “yes” part of the answer is easy. The one thing that the vast majority...Read More
Heading to Mexico for the winter? Read this before you start your trip!
Heading to Mexico for the winter sounds so nice when these cold winter months roll in. We have dozens of customers that start their journey south as soon as December gets here. Many of our tropic-seeking customers drive themselves down...Read More
What Coverage does my Insurance Provide if my Car is stolen?
This is not a common question we get as agents, however, it’s a question we wish more consumers would ask. What most people don’t know about their policy is that their car is not automatically covered if is stolen and...Read More
Why Should I Buy Flood Insurance?
Most insured’s don’t realize that flood is not actually a covered loss on a standard home insurance policy. If the river behind your house floods due to heavy rains and floods your home, your standard homeowner’s...Read More
What is the Department of Insurance?
Insurance is regulated at the state level, meaning each of the 50 states has their own Department of Insurance. There are a few primary duties that each state's Department of Insurance (DOI) has:Licensing Insurance Companies and...Read More
Business Income and Extra Expense
In continuing with our theme of reviewing different aspects of commercial insurance, I wanted to review the concept and coverage called Business Income and Extra Expense.This isn’t a commonly talked about coverage because it...Read More
What is a waiver of subrogation and why would my general contractor ask for one?
A waiver of subrogation is a commonly requested endorsement when it comes to commercial insurance. These waivers can be requested on a variety of policies but are primarily seen on general liability, commercial auto, and worker's...Read More
Why do I need to add an Additional Insured to my business policy?
Additional insured requests related to general liability or commercial package policies are a daily occurrence. While most entities require they be an additional insured, most of our customer's don't truly understand what an additional...Read More
Purchase Price of a Vehicle vs. Actual Cash Value of a Vehicle
Two weeks ago we reviewed the difference between replacement cost and actual cash value coverages on a property policy. This week we will review a similar concept and how it relates to auto insurance. This is also a topic we receive a...Read More
Actual Cash Value vs. Replacement Cost
A question we have had come up a lot lately (primarily stemming from our hail claims), is what is the difference between actual cash value settlement and replacement cost?This is a simple answer and VERY important for all consumers to...Read More
What is a Personal Umbrella policy?
Luckily this is an easy answer. A personal umbrella policy is an extra layer of coverage that sits over and above your home, auto, or rental home policies.When the topic of a personal umbrella policy arises, the number one question we...Read More
What is General Liability? As a business owner do I need this coverage?
General liability is insurance coverage that helps businesses to protect themselves against liability claims arising out of bodily injury, property damage, premises, business operations, products or completed operations, and...Read More
Why is Life Insurance Important?
Talking or thinking about death can be hard especially when it relates to someone you love. But the one guarantee we all have is that at the end of our lives we die.Due to death being an uncomfortable subject to many people, most...Read More
Rising Auto Rates in Colorado
On a daily basis our agency receives several calls from client's inquiring about why their auto rates increased and why they are so high compared to 10 years ago.The answer is no simple unfortunately. There are several factors that...Read More
Delivery Drivers: are you covered?
It seems like it could be common sense that your insurance company is going to cover your personal vehicle no matter what you are using it for; whether it's delivering pizzas, using it as a work truck for your painting business,...Read More
What is a personal articles floater and why should you consider one?
What is a personal articles floater? For many of you this is a new term and something you more than likely haven't heard when you have sat down for your annual insurance review with your agent.A personal articles floater, also known as...Read More
What is UIM/UM coverage on my auto policy?
We get this question frequently, and rightly so, as it is usually the most expensive coverage on your policy.We will start by breaking down the acronyms for each coverage part:UIM coverage stands for underinsured motorist coverage.UM...Read More
Do Lyft and Uber drivers really need update their auto insurance coverage?
The answer is a definite yes!The "ridesharing" industry has become a very popular service to use, but also a very popular service to work in. Many drivers use Lyft and Uber to make extra income in addition to their 9-5 jobs. While...Read More
What does the term “deductible” mean on my insurance policy?
The term deductible is on just about every insurance policy we pay for. It's on our auto insurance, our home insurance, our health insurance and our business insurance, however, most of the time we don't really take notice to what that...Read More
Don’t let anyone fool you…. Medical Payments Coverage on your Auto Insurance is absolutely necessary
It never fails, when we get our auto insurance renewals our first question is usually: why did my rate go up? The second: what can I do to lower my rate?Unfortunately we are in a climate of ever increasing auto insurance rates so we...Read More
Water Backup Coverage: why do most of us not have this important coverage?
First let's start with a quick definition of what water backup coverage is. Water backup coverage is an additional coverage added to your homeowner's policy that will provide funds to help you repair water damage from overflowing...Read More
Make 2018 the Year of Review
As consumers we want to be experts about what we are purchasing.We take time to review phone products to make sure we have top of the line technology.We take time to analyze car reviews to make sure we are getting the safest, most...Read More