Southern Colorado Insurance Center Blog

All You Ever Wanted to Know About Insurance

What Kinds of Liability do Restaurants have?

Remember the woman who sued McDonald's for serving her a hot beverage? For many, that notorious case is the poster child for frivolous lawsuits. The fact that the woman was subsequently awarded nearly $3 million in...

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Do You Need Umbrella Insurance?

One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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6 Common Financial Mistakes Every Colorado Small Business Owner Should Avoid

We are almost at the end of this year, which means we are getting into tax mode. Being a Colorado business owner adds a lot of responsibility to your plate when it comes to finances. Throughout the journey, we all end...

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Online Safety Tips For Your Business

Cyber crime is steadily spreading and claiming victims. From national companies, to small, Colorado businesses, neither of us can afford the luxury of not being proactive about online safety. Lost data or device viruses...

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Be An All-Star This Thanksgiving And Stay Safe

Thanksgiving is a time to get the turkey, sweet potatoes, stuffing, and pumpkin pie prepared, gather family and friends around the table, and commemorate the harvest festival celebrated by the Pilgrims. Hosting family...

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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Three Ways a Pool May Affect Your Homeowners Insurance

That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Water damage protection after a sewer, drain or pump loss

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question...

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10 Ways to reduce Trips, slips and falls

Depending on an employee's line of work, they typically aren't too concerned for their safety while they're on the job. But that doesn't mean the risk of an accident isn't lurking around the corner waiting to strike. ...

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Protect Your Vacation Rental Business

Southern Colorado Insurance Center offers an all inclusive insurance that replaces your homeowner’s policy. Custom-penned for the unique risks of vacation rental and/or short-term rental properties. Commercial Package...

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Professional Insurance for Colorado Barbershops

Those outside of the cosmetology profession might not consider a barber’s work especially hazardous. People probably think of a Colorado barbershop as the place where guys can hang out and discuss the news of the day,...

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WHMIS inspections

Ready or Not, Here Come the WHMIS Inspectors Starting October 1, federal OHS inspectors will be visiting workplaces across the country to check for compliance with the new GHS/WHMIS requirements. The 3 Things Inspectors...

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Easy to Forget Cleaning Projects

As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Colorado Tow Matters: A Guide to Preparedness

Accidents happen, and when they do, tow trucks are nearly always on the scene. Your job as a Colorado tow truck driver is to help others in distress. The last thing you want is to make a bad situation worse with another...

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When You’ve Wrecked Your Colorado Wrecker

As an independent tow truck driver or the owner of a Colorado towing company, your job is to help others stranded on the roadway. What happens when you’re the one involved in an accident? The first thing you need is a...

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Smoke in the Rockies: Who’s Gonna Pay for That?

Accident prevention is a top priority in the Colorado oil and gas industry. Unfortunately, sometimes preventative measures aren’t enough. When mistakes result in disaster, your company needs the right insurance...

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Who Needs Colorado Cannabis Insurance?

With the legalization of marijuana in a handful of states, some folks have deemed the last few years the “green rush.” While the economies across several states are still struggling, Colorado has experienced impressive...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Should You Rent Out Your Colorado Vacation Home?

Who doesn’t love spending time in Rockies? If you’ve purchased a second home in Colorado, you may be thinking about earning a little extra income by renting it out when you aren’t there yourself. Maybe you’ve considered...

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Headed to a Water Park? Here Are Some Safety Steps

One of the most popular ways to beat the summer heat is to visit the local water park and fly down the water slide or tube along the lazy river. To help make sure your trip to the park is fun, the American Red Cross has...

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How to Host a Safe Summertime Celebration

How to Host a Safe Summertime Celebration What's at Stake? It's summer and the Fourth of July is right around the corner! Time for the backyard barbecue, fireworks and fun in the sun. If you're planning to host a day of...

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Things Every E-Cig Retailer Needs to Know About Insurance

Vaping is big in Colorado. Whether you’ve been blowing smoke for years or just got into the E-cig retail game, you’re likely to make good money with a vape shop. But like every venture, owning and operating a Colorado E-...

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Insuring Your Colorado Cannabis Shop

Sure, it’s dope to earn a little extra green selling grass, but what do you need to do to protect yourself, your business and your customer base? It never hurts to get some advice from your local insurance company....

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Insuring Your Colorado Private Practice

The road to success in private practice can be as steep and winding as a Colorado mountain pass. You’ve completed years of higher education in order qualify for this position. You’ve passed clinicals and done your...

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Things You Need to Know About Colorado Auto Repair Liability

No repair is simple these days. As a Colorado mechanic, you need to know your way around a wide variety of engines. You might specialize in working with a specific make of vehicle, or you might be well-versed in basic...

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Employment Liability Issues in the Colorado Oil and Gas Industry

Employers in every industry in Colorado face employment liability issues. Today, with the controversy and political upheaval surrounding drilling in the Centennial State, employers in the oil and gas industry need to be...

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Lightning Damage and Protection

Lightning damage and protection By: Mike Huss, Loss Control Supervisor Lightning damage is a costly and frequent occurrence. According to Underwriters Laboratories, Inc. (UL), lightning accounts for more than $1 billion...

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Hail Damage and Protection

Hail damage and protection By: Mike Huss, Loss Control Supervisor Most areas of the country experience hail storms that can cause significant damage to rooftop equipment, severely disrupting your business and costing...

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Windstorm Damage and Protection

Windstorm damage and protection By: Mike Huss, Loss Control Supervisor High velocity winds can damage your business property, including your vehicles, in a matter of minutes. After all, it's impossible to predict the...

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Heat Illness

Heat illness – What you need to know By: Mike Huss, Loss Control Supervisor Per Cal/OSHA, heat stroke, the most serious health problem for workers in hot environments, is caused by the failure of the body’s internal...

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How well do you know condo insurance exclusions?

When a condo is rented out by its owner, the owner's personal property there may no longer be insured. Question: We insure a Condo Trust under a business owner's policy (BOP). A condo unit owner was injured in a slip &...

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Take the Bite and Sting out of working Outdoors

Take the Bite and the Sting out of Working Outdoors Working outside puts workers at risk for countless hazards. One group of hazards that doesn't get as much attention are biting and stinging insects and animals. Here...

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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Food Spoilage Insurance for Colorado Restaurants

Do you own a restaurant or other food service in the state of Colorado? If so, you already recognize that food spoilage can become a huge liability in your line of work. Whether you operate a catering company, own a...

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Identity Theft Protection for Colorado Restaurants and Bars

According to the U.S. Bureau of Justice Statistics, 17.6 million people nationwide became victims of identity theft in 2014. This indicates an increase of 1 million victims over 2012 statistics. (Source: https://www.bjs....

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Insuring Tow Trucks in Colorado

When shopping for personal insurance, many individuals like to add towing and roadside assistance to their auto policies. As the owner of a tow truck in Colorado, you help people every day, and you understand the...

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Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?Unfortunately, we live in a world of lawsuits. Large damages can be...

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Keeping It Legal with Errors and Omissions Coverage for Real Estate

Many people think of errors and omissions insurance (E&O) as a product purchased primarily by doctors, lawyers, therapists and other professionals with advanced degrees. Although malpractice insurance is a common...

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Loss of Income Coverage for Colorado Businesses

Colorado business owners don’t necessarily get paid when business comes to a screeching halt. Unfortunately, when equipment breaks down, a storm causes a power outage or other disasters affect your business, commercial...

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Property Liability for Colorado Roofing and Framing Contractors

The right liability insurance coverage is vital for any Colorado business. The nature of roofing and framing work makes property liability a must-have for Colorado contractors. You spend your days working onsite at...

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Worker Safety in the Colorado Oil and Gas Industry

In May of 2015, the CDC published encouraging news for the oil and gas industry. Despite significant growth in the industry, a 10-year study (2003 to 2013) indicates that the fatality rate for workers decreased...

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A Condo Owners Guide to Insurance

Could you save 10 percent or more by getting a condo insurance quote online? Possibly, but if you want to have the coverage you need for your Colorado condominium, it’s always a good idea to make sure you fully...

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Teen Driving Safety

Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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Insuring Your Colorado Food Truck

Food trucks are popular in the Centennial State. Whether you serve tacos and tamales in the Mile-High City or distribute vegan delights in Boulder, you need proper protection for your business. Unlike other businesses...

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Customer Property and Your Colorado Towing Company

Operating a Colorado towing company can be rewarding, but many tow company and garage owners lose sleep over liability concerns. What can you be held liable for when towing and storing a customer’s automobile? With the...

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Colorado Liquor Liability

If you own and operate a bar, lounge, tavern or restaurant where alcohol is served in the state of Colorado, you need to understand your responsibilities when it comes to liquor liability. Although it’s always a good,...

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Work Vehicle Insurance for Colorado Contractors

Every Colorado business, regardless of size or industry, needs to carry commercial vehicle insurance for protection from liability in the event that the owner or an employee has an auto accident while driving on company...

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Managing a Colorado Vacation Home

Vacation rentals and home sharing through a variety of online sites and apps has become a popular way for Colorado residents to make a little extra cash. Whether you rent out your primary home while you go on vacation...

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Don’t Let the Bedbugs Bite; If They Do, Are You Insured?

Most of us grew up thinking that bedbugs were make-believe, like the monster under the bed. Unfortunately, they are not. Bedbugs have returned in force to infest dwellings and public spaces throughout the United States....

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Safeguarding Your Valuable Equipment & Tools

Tools and equipment you use for your business can sometimes be an afterthought when it comes to your insurance coverage. You probably think they are covered under your property insurance contents coverage, but are they?...

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Construction Fatalities

Construction Fatalities Hit 7-Year High The Bureau of Labor Statistics recently reported a total of 4,836 workplace fatalities in 2015, the highest total since 2008. Almost 20 percent of those (937) occurred in the...

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Secure Surety credit prior to construction Acquisitions

Secure Surety Credit Prior to Construction Acquisition When buying a construction business, it is critical to have a surety credit facility ready to go. The acquiring company –- and its surety representative –- must...

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Unoccupied vs. Vacant: Do You Have the Right Coverage for Your Building?

The marketplace is always fluctuating and when it is in a slump, property managers and property owners can find themselves with an insurance dilemma on their hands when tenants move out. “Is my building vacant, or is it...

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Your Business Insurance is Non-Renewed or Cancelled - Now What?

It looks like a regular envelope from your insurance company. Perhaps it is your business’ premium renewal notice for the upcoming term, but it seems too early for that, so you open it up:You are hereby notified in...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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