Commercial Insurance And The Professional Blogger

Professional blogging is a new enterprise – well relatively new – that has exploded on the Internet scene. People from all walks of life have decided to make blogging their employment and their love. However, when it comes to commercially insuring your blog there are a few key considerations that you should review for yourself. Is your blog informative? Is it trying to fix a societal issue? Is it more personal? Is it trying to fix or speak to a personal issue wherein you may encounter someone on the Internet that is having a problem and is seeking your blog for answers? Is your blog concerned with correcting a logistical wrong? Is it about do-it-yourself home repairs, auto repairs, or how to fix a boat? If you can think if you can find it on the World Wide Web in the form of a blog.  It is important to ask yourself these questions because they present areas of liability. Speak with a professional who can help you protect yourself and your blog. 

If you are blogging on the side of it is your main source of income you should speak with an agent about how commercial insurance can help you protect your enterprise. Whether it is work or play we know that what you create is important to you. We also understand that protecting yourself where there is a vulnerability is a critical part of being a responsible adult. No one works harder than the residents of Denver, CO and no one works harder than the agents at Alliance General Insurance Agency. Stop in today. If you prefer to speak with an Alliance General Insurance Agency agent, call us on the telephone at 303–377–1172. In addition to commercial insurance, we specialize in motorcycle insurance, renters insurance, classic car insurance, condo insurance as well as umbrella insurance.

 

When Should You Get Commercial Insurance?

Knowing when to get commercial insurance in Denver, CO can be tricky, because it will depend on your business risk and what type of insurance you want to get. If you aren’t sure when to get commercial insurance, speak with an agent at Alliance General Insurance Agency.

You will need workers compensation insurance when you start to get employees. Since workers compensation helps pay for any injuries to employees or on the job accidents, it’s necessary to have. It’s also required to have in the state if you have one or more full time or part time employee, including any family members.

Getting commercial auto insurance can depend on a few different things. If the vehicle is registered in the business name, then you need commercial auto insurance. If it is registered under a personal name, you may still need it if the vehicle is being used for business purposes. If employees are also driving the car, it should be insured by a commercial policy. Business use includes carrying equipment or using your car for any type of deliveries. It’s not just driving to and from work.

You should have general liability insurance from the start of your business. Since general liability insurance protects against a wide range of things, as soon as you start your business you should consider it. For smaller businesses, a business owner’s policy can provide general liability as well as commercial property insurance. Commercial property insurance not only protects the building your business is in, it also protects any equipment and inventory you have stored.

Your home insurance policy won’t provide enough coverage for your at-home business, so when your business starts to grow from more than a side hobby, you should consider at least a business owner’s policy to stay protected.

Contact Alliance General Insurance Agency, serving Denver, CO, to get a quote on commercial insurance. 

Can You Bundle Condo Insurance?

Life in Denver, CO, comes with plenty of opportunities for fun. Hiking, rafting and winter sports galore are just part of the deal. All of that fun can also entice you to buy big toys and amazing extras. If you have or are considering splurging on a condo, there are a few things you need to know. One of those is that there’s a good chance you’ll need a specific insurance policy for the condo. That might lead you to wonder if you can bundle the new insurance with policies you already carry. Here’s the definitive answer.

It Depends

It’s annoying that this seems to always be the answer to insurance questions, but every company has the right to set the terms for the policies they offer. That means there are few guarantees in general advice like this. That said, most of the major insurance providers love bundling policies, and there’s a reasonable chance that you can bundle condo insurance with other policies like homeowner’s, auto or life insurance. The best way to be 100-percent sure bundling is an available discount is to check with your Alliance General Insurance Agency representative.

Saving Money

While you’re at it, you should ask about other discounts. Again, there can be no absolute promises, but common discounts include military, professional, safe-driver, emergency provider and a number of other options. The best way to get a good deal on any insurance bundle is to have someone scour the depths of policy documents and find everything possible for you.

Alliance General Insurance Agency serves the entire Denver, CO, area. That means you can shop in one place for insurance for your car, home, condo, snowmobile and anything else that might help you live life to the fullest in this amazing area.

 

At what age is it too late to buy life insurance?

Almost no one uses physical mail anymore, instead preferring to communicate by email and pay bills online. Almost the only mail people get are coupons and ads, including ads offering great insurance rates for the very young.

At Alliance General Insurance Agency, we help people of all ages in Denver, CO with every kind of insurance need. You are never too old to buy life insurance, but there are some important tips you can learn so you can decide when you want to purchase a policy for yourself and for your loved ones.

The Advantages of Buying Young

When you buy a life insurance policy for a baby, you can lock in the lowest possible premium. As you get older, the price goes up depending on your age. You can also get a smaller premium by starting earlier and getting a longer term if you are getting term life insurance.

Whole life or permanent insurance policy will also cost less if you sign up when you are younger. Because a whole life insurance policy will pay out whether or not you die, the early you start the quicker you can accumulate a larger cash value.

Is It Pointless to Buy When You’re Older?

One of the disadvantages of buying when you are older is that you will almost certainly have to undergo a physical exam. You are simply more of a risk if you are older and/or unhealthy.

You can be strategic when buying a policy if you are older. The death benefits will still help your family at a very important time, but you can plan how much is necessary. An agent at Alliance General Insurance Agency will be happy to help you get the best life insurance for your needs in Denver, CO.

My Employees Deliver With Their Personal Vehicles. Do I Need Commercial Insurance?

Did you know that delivery services are one of the most dangerous jobs in Denver, CO? With plenty of traffic and endless construction, it should come as no surprise that accidents are a common occurrence. If your company owns delivery vehicles, they absolutely need a commercial policy, but some companies make deliveries with employee-owned cars. When that is the case, do you still need a policy? Alliance General Insurance Agency has the answer.

Liability

The first thing to understand is that you may be held liable in the case of an accident. Even though your business doesn’t own the vehicle, the driver is representing your company. In the case of a lawsuit, the company is more frequently targeted than the employee. It’s a simple numbers game — businesses usually have more money than any individual driver. For this reason, you need some kind of liability insurance for your drivers. This doesn’t necessarily have to be a commercial policy, but that is a common way to address the issue.

Damages

The business is a more likely target for a lawsuit, but that isn’t the only way you can be hurt financially. If your employee driver is at fault, things can get rather complicated. Typically, a combination of driver and vehicle will be responsible for covering damages. In your case, you might think that it leaves you in the clear, but some situations can get complicated and leave you with the build regardless. What is more important is that personal insurance will not cover your employee or their vehicle. They absolutely need commercial insurance. The question is whether they will have to purchase it themselves or if you will provide it as a perk.

If you want to make sure your business and employees are protected, have a chat with your Alliance General Insurance Agency agent. They can help you find the most reasonable way to keep your people safe as they make deliveries throughout Denver, CO.

 

How to Be a Responsible Renter

Renting a new home or apartment in Denver, CO can be extremely exciting, especially for those who have never had their own place before. From painting to decorating and adding new pieces of furniture to the room, you get to make it your own space and you, of course, want to do all you can to make it as comfortable as possible. In addition to decorating and organizing the home, there always comes the responsibility of performing upkeep on the home or apartment you’re renting as well as paying bills. What if something were to happen, like a burglary? Do you have the finances to replace the items that were stolen? That’s what we’re here to talk about. Here are two tips brought to you by the Alliance General Insurance Agency about being a responsible renter.

Always Pay Your Rent On Time

One of the most responsible things you can do as a renter is paying your rent each month on time. Not only does paying your rent on time each month help the landlord out, but it helps you maintain a reasonable budget that allows you to rest easy each night knowing you have paid your rent according to its due date. 

Invest in Renters Insurance

Another responsible thing you can do as a renter is investing in a renters insurance policy. This type of insurance provides protection not only for your belongings but you as well. It is comprised of a group of coverages, like liability coverage and even protection to cover additional living expenses in the event the home or apartment you are renting becomes uninhabitable for a temporary period of time. Take for example if your apartment is flooded and you have to move out while it is being remodeled. With renters insurance, you may be able to tap into funds that cover your living expenses while you’re waiting for the remodel to be completed.

Contact the Alliance General Insurance Agency today, serving the Denver, CO area, to learn more about renters insurance. We can help you acquire a quote and get started.

Can You Adjust Motorcycle Insurance During a Payment Cycle?

Your insurance needs are certain to change from time to time and what might fit your needs one month may not be what you need at another time. In order to combat this, you can adjust your insurance as needed to reflect your specific needs at any one time. If you have motorcycle insurance, odds are you are paying for six months to a year at a time because it is relatively inexpensive that way. For those in the Denver, CO area, the agents with Alliance General Insurance Agency can help you change your coverage as needed.

Insurance coverage is something that fluctuates from time to time based on what your individual needs are. When it comes to something like motorcycle insurance, you are likely paying in larger blocks than you may be for auto insurance which is usually paid monthly. If you are paying in larger time increments, you may want to know if you can change coverage during this time period. The answer is yes. You can change your coverage at any time. The real issue comes with the change in the cost of premiums. Often, if you have already paid up for a certain amount of time, changes will not take effect until the time frame has expired.

You can also let your agency know that you need the changes to take place sooner, but you may not be able to recover the cost of premiums that have already been paid. If you live in the Denver, CO area, the agents with Alliance General Insurance Agency can help you find the perfect coverage no matter what. We can also help you adjust and change coverage as needed so that you are always covered.  

Why Everyone Should Have Umbrella Insurance

Having adequate insurance in place is very important for all people. For those that are in the Denver, CO area, one type of insurance that everyone should look into is umbrella insurance. While many people believe that umbrella insurance should be reserved only for the wealthy with a lot of assets, there are many reasons why you should have this type of insurance in place.

Additional Liability

One of the main reasons why people would benefit from having umbrella insurance is that it will provide additional liability coverage. People who have a home or renters insurance policy and an auto insurance policy will have some liability coverage built into those policies. However, this type of liability is often somewhat limited in the total coverage amount. The umbrella policy will give you even more coverage on top of the existing policies, which will be very beneficial in the event of a big claim.

Covers Additional Situations

When you have an umbrella insurance policy in place, you will also receive coverage for a variety of additional situations. Umbrella insurance typically covers all forms of liability, including libel and slander, which are not covered by home or auto policies. This will help to ensure you have coverage and support no matter what the liability lawsuit claim is in reference to. This can give you great peace of mind and support when you need it the most.

Contacting the Alliance General Insurance Agency will help you to understand your umbrella insurance needs better. When speaking with people in the Denver, CO area, the Alliance General Insurance Agency will be able to help explain all of the coverage benefits to make sure you are aware of all the benefits it provides. Reach out to our agents for more information.

Understanding Condo HOAs and How They Affect Insurance

Whether you are considering the purchase of your first condominium or exploring affordable coverage options, Alliance General Insurance Agency understands the needs of condo owners in Denver, CO, and surrounding communities. 

Coverage Considerations in Condos

  • You Must Insure Your Personal Possessions. There is never a "one-size-fits-all" approach when purchasing condo insurance. When selecting the best level of coverage, consider the value of your possessions as well as any improvements you have made within the unit.
  • Know the Boundary Between Your Property and What Is Controlled by the Homeowners Association (HOA). Generally, the HOA is responsible for managing and insuring "common elements" such as the roof, windows, foundation, and exterior walls. Other common elements may also be included. 
  • Inspect Your HOA Governing Documents and Learn What the HOA Covers. You want to know what is your responsibility and what needs to be covered or maintained by the HOA. Never think that something is covered by the HOA based upon rumor or assumption. Take the time to inspect a copy of any certificates of insurance paid for by the HOA. 

Helpful Resources

The state’s Department of Regulatory Agencies (DORA) offers important resources related to HOAs. DORA’s Division of Real Estate has an extensive portal of resources on its HOA Information and Resource center webpage. Also, DORA maintains a helpful page with links to local, state, and federal laws and ordinances related to HOAs.

Alliance General Insurance Agency offers insurance coverage for condos in Denver, CO and throughout the adjacent metropolitan area. In addition, we offer coverage for a variety of other areas, including automobile, classic car, commercial, home, life, motorcycle, and renter’s insurance, as well as umbrella and other specialty lines. Contact our agents today and learn about the coverage options available to you.

What’s the difference between term life insurance and permanent insurance?

Even though it can be uncomfortable to think about why you need life insurance, it is important to start planning as early as possible so that your loved ones will not need to deal with these uncomfortable issues on their own. If you are in Denver, CO, you can speak to the agents at Alliance General Insurance Agency to compare options and coverage amounts.

Life insurance can be used to take care of necessary expenses when a person dies, but a healthy life insurance policy can also provide other needed financial support at a time when it is needed most. It is often used to pay for burial costs, debts, and unpaid medical bills. Families can focus on the important act of grieving instead of worrying about money.

The first thing you will need to decide is whether to purchase term life insurance or permanent insurance, also called whole life insurance. Term life insurance provides a death benefit but has no cash value. Premiums will go up at predetermined intervals, such as after 1, 5, or 10 years, and it can supplement whole life insurance.

Whole life or permanent insurance helps individuals meet long-term goals by allowing users to accumulate the money over time, on a tax-deferred basis. You can even borrow against the cash value of your policy. As long as you pay your premiums, your whole life insurance policy will be in effect. 

Which kind of policy is best for you depends on your current goals. If you are in Denver, CO and want to discuss your options regarding life insurance and find the best policy for yourself or a loved one, please call our friendly agents at Alliance General Insurance Agency today for free advice.