Southern Colorado Insurance Center Blog

All You Ever Wanted to Know About Insurance

Need insurance on construction projects?

Southern CO Insurance is the Agencyfor construction business More markets than most Agencies in the region, with new markets recently added Admitted and E&S "A" rated carriers. Admitted options available in select...

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Is your home as efficient as it could be? An energy audit can tell you

Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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Want a Safer Home? Consider these Inexpensive Fixes

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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WRAP Insurance Program

Introduction Today's restrictive General Liability Insurance climate requires creativity when working with new construction developments. Southern CO Insurance has the knowledge and experience to quote a WRAP for...

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Five Common (and Potentially Costly) Homeowner Mistakes

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Keep Pets Happy and Safe on Vacation

You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Five Ways to Protect Your Personal Electronic Data

Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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Who Needs Envirnomental Liability?

WHO NEEDS ENVIRONMENTAL LIABILITY? The need for environmental insurance has increased in recent years. Governmental oversight has definitely increased. Going back to the Savings & Loan crisis of 1980’s the focus...

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7 Driving Habits That Are Bad for Your Car

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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Car Shopping With Safety in Mind

You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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6 Tips for Getting to Work on Two Wheels

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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How Drones are performing roof inspections

Several areas of concern in the roofing industry have resulted in a negative reputation for many companies and the industry at large. With high costs for repairs, inaccurate and dangerous inspection methods, and a lack...

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Let's Keep Our Lawns and Ourselves Safe

For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Colorado Hailstorm Carries $169,000,000 Insurance price Tag

Thousands of Fountain and Colorado Springs CO are residents were bury cleaning up and meeting with insurance adjusters after an unusual early morning June 13th storm that pounded vehicles and roofs with golf ball size...

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5 Ways to protect your vacant property

Typical home insurance policies are not intended to insure vacant properties. (Photo: Shutterstock) Related: Vandalism, an explosion and a vacant property The risky side of vacant properties - From a 1st party...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer Driving Tips

Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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Introduction to WRAP or OCIP Programs

More and more contractors are being required to work under owner controlled insurance programs (OCIPs). At one time, these programs were limited to large single-site projects. As time goes by, they are appearing on...

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Is Your Construction Risk Management Program Optimized?

Construction Risk Management provides insight into some of the thorniest risk and insurance issues that arise on construction projects. Do you utilize subcontractors on your construction projects? Do your construction...

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Hiking for beginners

Hiking is a wonderful way to immerse yourself in the outdoors. Transported by your own two feet and carrying only what you need for the day on your back, you can discover the beauty of nature at whatever pace you’re...

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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Protect yourself from Carbon Monoxide at Home and at Work

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Protecting Your Home: Understanding Your Home Insurance Policy

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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Equine lawsuit

The U.S. Court of Appeals for the Eleventh Circuit, reversing a decision by the U.S. District Court for the Southern District of Florida, has ruled that a liability insurer had no duty to defend its insured against a...

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New Personal Flook Insurance produce

Message from the Editor ISO's New Personal Flood Insurance Product - It is no secret that the National Flood Insurance Program (NFIP) is drowning in billions of dollars of debt, and the dire situation dramatically...

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Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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6 Homeowners Insurance Tips for Super Bowl Party Hosts

Despite the fact that not everyone loves American football - particularly in light of its recent politicization via the "Take a Knee" campaign - most everyone loves a party. That makes the ad hoc holiday known as Super...

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What You Need To Know About Insurance For Colorado Restaurants

Colorado Springs is a vibrant community. Starting out as smaller city not too far back, Colorado Springs is now home to approximately 674,000 people. With the growing population the city has also been expanding from an...

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When the lights go out in Colorado: Preparing for a power outage caused by winter weather

Colorado winters can be unpredictable. Just when you think it is over, local TV and radio stations report on snow storms on the way. Do you know what to do in the event of a power outage this winter? Proper preparation...

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Why Today’s Homes Burn Faster

From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern Colorado home is a “perfect storm,” according to safety consulting...

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Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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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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Protect Your Colorado Business with the Right Insurance

From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the right insurance in place. One lawsuit...

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What You Should Know About Small Business Insurance in Colorado

Did you know that more than half million entrepreneurs start a business each month across the country? That’s stiff competition! Making the right insurance moves can mean the difference between a first-anniversary...

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Home-Based Business Insurance in Colorado

You finally did it. You started your own business. You get to work from home. No more battling the traffic on SH 83 and SH 115 or dealing with the constant backups on I25. While you’re saving money on your commute, make...

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Non-Renewed or Cancelled Auto Insurance?

You never want to hear the words: "Your policy has been canceled" from an insurance company. Finding out that your car insurance policy hasn’t been renewed is no picnic either. However, the difference between ...

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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Equipment Breakdown Insurance for Apartment Owners

As an apartment building owner, you have a lot of balls in the air. And just when you think you’ve got the rhythm down and are juggling everything just right, another ball is thrown into the mix. Would you be prepared?...

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Cyber Liability Insurance for Colorado Businesses

Have you ever heard a news anchor try to explain the latest mega breach, data breach or security breach? It’s hard to follow the story because it’s difficult to comprehend – for the reporter and the viewer. Cyber...

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Secrets to a Successful Non Profit Organization

Many nonprofit organizations, like for-profit businesses, are facing a shortage of workers, both paid and volunteer. At the same time, volunteer work has become a way for students and the unemployed to gain or retain...

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Apartment Owners - Beware

If you own an apartment building, you have a lot to worry about. Aside from tenants needing round-the-clock assurance that their concerns are being addressed, there are other business elements that apartment owners need...

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Pinnacol announces rate decrease in 2017 Workers Compensation

Pinnacol’s Announces 2017 Rate Decrease and Intent to Issue a General Dividend Rates • On Nov. 2, 2016, Pinnacol Assurance’s board of directors approved a 3.2 percent average rate decrease across our book of business. •...

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Insurance for Colorado Apartment Building Owners

What Should Apartment Building Owners in Colorado Consider When Evaluating Insurance Options? If you are a landlord looking for apartment owners insurance, Congratulations! You are taking your responsibilities as an...

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Colorado Workers Compensation

At Southern Colorado Insurance Center, we know that no type of business or workplace is completely free of risks. We also know that not every insurance product is right for every business. If you are an employer in the...

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Insurance Coverage for Contractors in Colorado

We at Southern Colorado Insurance Center understand that every contractor or construction company in Colorado is unique and has special insurance considerations. For contractors and construction companies, it doesn’t...

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Workers Comp & Vehicle Insurance for Colorado Landscaping Companies

At Southern Colorado Insurance Center, we can help you with the insurance products you need in order to protect your Colorado landscaping business. Not only do we want you to stay safe, but we also want you to...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Insurance for Difficult Investment Properties in Colorado for Renovation

At Southern Colorado Insurance Center, we know you want to take on those big dreams. Some situations fire up your imagination with so many possibilities: You find a house on the auction block for unpaid taxes or an...

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Insurance for Snow Removal in Colorado

At Southern Colorado Insurance Center we have fond memories of snow days. For kids, record-breaking snowfall can be exciting and fun. What youngster doesn’t enjoy a cold winter day while school is closed—a day for...

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Insurance for Retail Printing Companies in Colorado

Some people might think that printing hasn’t changed much over the past couple centuries, but they’d be wrong, and not just about moveable type and copper plates. These days, the printing business in Colorado involves...

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Insurance for Manufactured Homes in Colorado

At Southern Colorado Insurance Center we know that it can be a challenge to find the right insurance when your manufactured home is important to you. Many insurers don’t know the difference between manufactured homes...

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Worker Safety in the Oil and Gas Industry

At Southern Colorado Insurance Centerwe know that your oil and gas contracting business wants to keep a safe workplace and avoid worker injuries. You're in a dynamic industry that explores the unknown and finds...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Understanding Professional Liability (E&O) Insurance

At Southern Colorado Insurance Center we want to do everything we can to help you protect your business, and help you understand the importance of your insurance. Most business owners know that they need general...

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Insurance for Excavating Businesses in Colorado

At Southern Colorado Insurance Center, we share your concern that excavation sites are serious business. Youngsters find digging fascinating. They love the sight and sound of the heavy equipment and the discovery of...

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Insurance for Carpentry Businesses in Colorado

As a carpenter you have a lot on your mind. For construction carpentry, you’re concerned with finding the right dimension in lumber or particle board and creating solid work that will stand the test of time. You and...

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10 Useful Apps for Small Business Owners

Small business owners are busy. It goes with the territory. So here’s a collection of 10 useful small business apps to help make running your business a little bit easier. 1. Expensify You know expense receipt-keeping...

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NFL preseason is here. Know this season's kick off times with the NFL 2016 preseason schedule

NFL preseason is here. Know this season's kick off times with the NFL 2016 preseason schedule. http://j.mp/2bCzH2v

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Insuring Your Landscaping Business

At Southern Colorado Insurance Center we appreciate the hard work your landscaping, lawn-care or gardening business delivers to help both homes and places of business look their best. You and your team can enhance curb...

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Safety Tips for Your Summer Swims from Southern CO insurance

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger.According to the U.S. Centers for...

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5 Safety Tips for Your Pokémon Go Adventures

There are (virtual) Pokémon among us. They’re in our parks, on our sidewalks and at our national monuments. And, you can catch them and train them for battle with the Pokémon Go game for mobile phones. In the world of...

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Auto Insurance Questions

Of all the types of insurance available, auto insurance is likely the one you feel most familiar with. All but a handful of states require some insurance to drive, which makes getting car insurance almost as much a rite...

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Crime prevention tips for commercial child care centers

Every week Southern CO Insurance receives reports of new claims, at child care centers, that involve one type of criminal activity or another. It appears that the same thing motivates most of these types of activity:...

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Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Manage Subcontractor Default Risk

Although it sounds counter intuitive, subcontractors who tighten their belts and survive an economic downturn sometimes fall apart at the seams during the subsequent recovery. In their exuberance about new job...

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School Critical prevention and Recovery Insurance program

School Critical Protection & Recovery (CPR) Insurance Program Student accident programs have always been designed to protect students while they are the responsibility of school staff. However, in today’s world,...

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Heat Stroke Can Be Fatal...Prevent It!

Take Heat Stress Seriously Summer is fast approaching and with that comes a host of heat associated risks for your employees. Did you know it takes almost 10 days for the human body to adapt to working in hot weather?...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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How to Inspect Your Roof for Damage Before More Occurs

We all know that owning a home is an expensive investment. Unfortunately, you can’t just move in and let it set. Homes require constant maintenance to ensure you don’t get costly damage. We suggest doing a yearly home...

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Key Things to Consider to Lower Your Energy Bill in Colorado - Small Things Lead to Big Savings!

Southern Colorado Insurance Center discusses many ways to lower your energy bill in Colorado Springs, CO each month. Follow these easy steps. Everyone loves to save money especially if it’s done with a few easy steps....

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Prepare for your Garden this Spring with these Tips!

Spring season can bring so much joy to garden lovers. Growing your own garden saves money on groceries each week, plus can give you the personal satisfaction of growing your own food. It’s fun when you can involve your...

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5 Things to Consider Before you Switch Your Insurance

Switching your insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch. Tip #1: Compare Apples to Apples - You’ve seen the commercials – “average...

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Projects and Energy Weekly Snippets

A must read, provided by Projects and Energy Weekly Snippets , 18 March 2016 http://www.hoganlovells.com/projects-and-energy-weekly-snippets-03-18-2016/

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Treating customers fairly, or not?

In today’s times, customers are very much aware of their rights. Whether or not a frustrated customer is standing in a long bank or retail outlet queue - be this in South Africa or even in the bustle of Paris - one is...

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Who is responsible if my neighbor’s tree falls onto my house?

Neighbors are great! You can count on them to keep an eye on your place while you’re away, let out a furry friend or even borrow some last minute ingredients! Shoot, some of your neighbors are probably some of your...

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8 Key Considerations for Builders Risk Policy

As owner of the new manufacturing facility building project, Thyme Manufacturing Co, Inc. has recently hired the project’s general contractor - Perkins Construction, Inc. In addition to developing the minimum insurance...

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Make Sure Your Pets Travel Well for the Holidays

The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Colorado. If you are gearing up to travel and...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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Spring Into Home Maintenance Mode in Colorado

Spring is a time for rejuvenation, and, as the weather gets warmer here in Colorado Springs, Colorado, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for...

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Make Recycling and Reducing Routine

"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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Identity Protection Tips for Tax Season

What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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Why Being Prepared for a Power Outage is Very Important!

When nasty weather hits it can be easy to say, “it won’t affect me, our power never goes out!” But, being prepared in the event that you do lose power will save you a lot of nervousness and more. There are many things...

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10 Workers Comp issues to watch for in 2016

n an “Out Front Ideas with Kimberly and Mark” webinar broadcast on Jan. 12, Kimberley George, a senior vice president at Memphis, Tenn.-based Sedgwick Claims Management Services Inc., and Mark Walls, a vice president...

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Southern Colorado Insurance Center Gives some Winter Driving Tips

It’s important for every driver to know how to drive in winter weather conditions. It can be challenging to drive in these conditions, but with the knowledge of the information below, you'll know how to stay safe on the...

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Reason to Keep a Home Inventory Checklist

For most of us, we won’t have to experience a disastrous home loss such as a flood, fire, earthquake or other disaster. That doesn’t mean any of us should be less prepared for such an event should one occur. Preparing a...

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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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Frozen pipe tips

Cold weather is coming! Take steps now to prevent frozen pipes in your home It’s about to get very cold outside! Freezing temperatures can lead to frozen pipes and water damage in your home. Fortunately, there are...

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prevent frozen pipes

It’s cold outside! Here are two simple ways you can help prevent frozen pipes: 1. Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. 2. Keep heat at 55 degrees or higher even...

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The trucking Industry is changing

The Trucking Industry Is Changing Technology and new regulations are adding to safety for the trucking industry but also adding considerable costs. The electronic logging devices (ELD) will help drivers more easily...

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How to Adjust Your Desk Chair and Workstation

Are you doing everything you can to be comfortable at work? There are some simple things you can do to help improve your comfort. To start, if you have never adjusted your desk chair, you may be putting some unnecessary...

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The Right Tires for Winter Driving

It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the...

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Make Home Safety a Priority While You’re Away for the Holidays

The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Getting Your Boat Out of Storage and Into the Water

Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to...

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Exercise Diligence When Leaving an Online Review

Everyone today is connected in some way to social media. It can be by Facebook, Yelp, email or other internet outlets. When you write something, you leave your fingerprint for everyone to see. If you go to a restaurant,...

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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Flood Insurance and Sewer Backup Insurance – Not the same thing.

Floods are the most devastating natural disaster in the United States each year causing billions in losses and displacing thousands. While flooding is a common concern for those near rivers and streams, all homes in the...

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Happy and Safe Holidays

Happy and Safe Holidays By Mike Huss Loss Control Supervisor The holiday season is here, and along with the weather, decorations, shopping, and celebrations comes a heightened concern for safety. All the activities,...

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Driving Emergencies – Do You Know How to Handle Them?

Would You Know What To Do In the Event You Have a Driving Emergency - Driving hazards present themselves daily and can occur year-round in every state. But, would you know what to do in the event a driving hazard...

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Safe, Secure Shopping: Tips for Black Friday

It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Understanding Renters Insurance in Colorado

Renters Insurance Policies Help Protect More Than Just Your Personal Items - If you’re like 2 out of every 3 renters who rent a home, apartment or other dwelling, you don’t carry a renters insurance policy. The reason...

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Top 12 States most at risk for employee lawsuits

n 2014, U.S. companies had at least a 11.7% chance of an employment lawsuit being filed against them. However, in 11 states plus the District of Columbia, the percentage is much higher. These states have discrimination...

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Keep Cool While Keeping Your Energy Costs Down

Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which...

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Small Fleet Truckers

Southern CO Insurance Center is pleased to now provide a Small Fleet Truckers Occupational Accident Program, available to the majority of the United States market. Open to accounts of all sizes, it is specifically...

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5 Things to Discuss with your Teen Driver

How to Keep Your Teen Safe on the Road - Southern Colorado Insurance Center discusses five safety rules by the NHTSA to keep teens safe while driving in Colorado Springs, CO. This week represents National Teen Driver...

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Most unusual pet claim

Curtis, a Boxer from Princeton, W. Va., has won the 2015 Hambone Award, which honors the most unusual pet insurance claim of the year. Curtis earned the nomination after he swallowed a wooden barbeque skewer, which...

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Preventing ICE DAMS

Preventing Ice Dams Winter is just around the corner and now is the time to let your customers know the steps to take in preventing damage to their home from ice dams. Ice dams are formed when melting snow and ice...

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5 easy Fall maintenance projects

Each year, after homeowners cover their pools and shut off their sprinkler systems, there’s a window of time during the fall when the weather is pleasant enough to get a head start on home maintenance. Winter’s harsh...

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Oh Deer! Drivers aware, it's deer season

While the leaves are changing across much of the country, it’s also that time of year when drivers are more likely to encounter deer – especially during their morning and evening commutes. As those bucks are rushing...

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FMCSA

An article in CCJ reflects information that we have been saying and that was included in the March webinar. Congress is pushing back on FMCSA. Recent headlines: March 4, 2015 – “Senator Deb Fischer to Offer FMCSA Reform...

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Work place fire procedures

Workplace fires account for many injuries and deaths as well as millions of dollars worth of property damage and loss every year. Many of them can be stopped with careful on-the-job fire prevention techniques. It sounds...

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Your Home Maintenance Checklist for Fall

Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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6 Tips to protect pets from Household Fires

Pet parents want to keep their furry loved ones safe in every situation. The National Fire Protection Association (NFPA) recently released a Pet Fire Safety tip sheet with advice on how to prevent pet-related fires....

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Preparing for a Visit from OSHA

Curious about what happens during an inspection conducted by the Occupational Health and Safety Administration (OSHA) and how to get ready for one? If so, here are some tips and guidelines that may come in handy. For...

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3 Problems Motor Carriers Face with the SMS Model

he Miscommunication and Misuse of Motor Carrier Data When assessing the safety of a commercial auto operation, there is more freely available information today than ever before. As with all data that is easily...

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Are your IT Professionals responsible for your Data Breach Expenses?

Not Likely! Many companies assume that if they hire professionals to manage their website, there is no need to buy their own Cyber policy. This is an incorrect assumption. Multiple laws, both federal and state, define...

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Accident Prevention newsletter

Please check out the latest edition of Loss Control & You, Markel FirstComp's accident prevention newsletter. Feel free to pass this resource along to others in your organization that may find it useful. Loss...

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4 Ways to Help All Children Have a Great School Year

It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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5 Keys to managing a Data Breach

Unfortunately, data breaches have become an extremely common occurrence. Not all of them have the high-profile of a Target, Ashley Madison, Home Depot or Anthem breach, but the damage to a company and its reputation is...

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DRIVERS OF INTERSTATE VEHICLES LESS THAN 26,001 GVW

I understand that Foundation members’ main focus is providing services to interstate for-hire motor carriers, which in most cases, would be insuring 18-wheelers. I have in previous information stated that the Unified...

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Department Of Labor Issues Guidance on Independent Contractors

The U.S. Department of Labor today issued guidance to assess whether a worker is properly classified as an independent contractor. The guidance also helps to determine who is an employee under the Fair Labor Standards...

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Six Tips for Promoting Employee Wellness by Employers Insurance

Employee wellness has become an increasingly hot topic, fanned by studies that suggest sitting for extended periods of time, poor ergonomics and fatigue on the job can lead to potential health issues. However, a new...

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Enforcement of Confined Spaces Rule Postponed OSHA

Enforcement of the new Confined Spaces in Construction Standard, issued by the Occupational Health and Safety Administration (OSHA) on May 4, will be postponed until Oct. 2, the agency announced today. Extension...

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Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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FMCSA Considers Comments on Minimum Responsibility Limits

The Federal Motor Carrier Safety Administration (FMCSA), a division of the U.S. Department of Transportation (DOT), is reviewing comments on the proposal for regulations that would increase the financial responsibility...

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New Requirements for Colorado Property Managers

New requirements for Colorado Property Managers become effective July 1, 2015. Every active licensed Community Association Manager (CAM) company and licensed CAM sole proprietorship in the state of Colorado, must have...

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Commuting by Bike: How to Get to the Office on Two Wheels

There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don't get stuck in traffic, either). And they even have fun - as long as...

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How to prepare for a severe weather storm

Springtime is here … and so is severe weather season We're all glad that the weather is finally warming back up. But this is also a dangerous time of year — those warming temperatures can bring severe weather and...

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How to Create Your First Garden This Spring

From genetically modified crops to the environmental and health effects of pesticides, more and more Colorado residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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ARCHITECTS AND ENGINEERS (E&O) COVERAGE

According to recent figures from the U.S. Census Bureau's Value of Construction Put in Place Survey, more than $980,000,000,000 was invested in construction work across the country in 2014. That is an increase of 2.1%,...

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Helping Seniors Have a Wonderful Winter

Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member, it may be a good time of the year to provide some extra...

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How to Protect Your Business From Workers’ Compensation Fraud

Workers' compensation claim-related fraud can be costly, but by knowing the warning signs, businesses can help prevent it. Following are several "red flags" that are common signals of potential workers' compensation...

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Credit Card theft has become even more complicated

New way of STEALING... ESPECIALLY LOOK AT SCENE THREE... Be sure to read Scene 3. Quite interesting. This is a new one. People sure stay busy > Trying to cheat us, don't they? SCENE 1. A friend went to the local gym...

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Construction Defect Claims

Litigation over whether a Commercial General Liability insurance (CGL) policy provides coverage for faulty workmanship claims is rapidly evolving. Since 2012, six state supreme courts (CT, WV, ND, AL, GA, and OH)1 have...

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Top 10 Mistakes Builders make

1. Fail to see a collapse coming. All markets are local, and they all go through an up-and-down cycle, Stephani said. He said builders need to keep tabs of warning signs by monitoring the number of starts in their area,...

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7 Deadly Sins to Car Insurance

As a driver, you can forget about greed and gluttony. Instead, you need to beware of other deadly sins that could mean you'll have a devil of a time when it comes to purchasing auto insurance. If you commit one of these...

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Holiday Safety Tips for Your Four-Legged Friends

As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Let's talk Turkey...still frying

Still frying your turkey? Although the craze for cooking the Thanksgiving turkey in an outdoor gas-fueled fryer that uses hot oil seems to have faded, some people continue to fry their turkey. But there is a safe way to...

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Cyber Security Month is October

October is Cyber Security Awareness month, a reminder for consumers to review their bank statements and credit card bills to confirm that all the transactions listed are legitimate. Individuals should also be vigilant...

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Piercing the Corporate Veil and why your Organization needs D&O liability coverage

Usually, an organization is treated as a separate legal entity, and its directors and/or officers shareholders would not be directly financially responsible for its trials and tribulations. However, if an organization...

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5 Tips for Organizing Your Home for the New School Year

Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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8 facts about credit card and rental car coverages

It's summertime, and peak season for vacationers and car rentals. Even though most standard auto insurance policies cover rental cars, roughly 20% of consumers always purchase supplemental coverage when renting a car,...

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Celebrate National Night Out With Your Neighbors

In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Keep Water from Going Where it Shouldn't

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Southern Colorado Insurance Center,we know you want to protect what's important. That's why we're offering...

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What Does Your Report Say?

An article written by the Insurance Journal early last year stated that 1 in 20 credit reports had errors in it. That's right...your credit report may contain some errors! What does this mean? Well, if you don't...

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Severe Weather and Fire Danger

With the warmer weather comes the dryer air. Not only does this affect your allergies, it also can affect the fire danger and severe weather alerts we get. Luckily every severe weather alert does not guarantee a bad...

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National Playground Safety Week

Did you know that National Playground Safety Weeks is this week? What is National Playground Safety Week? National Playground Safety Week is a week dedicated to the preservation and safety maintenance of our playgrounds....

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Have a Happy Easter!

Easter Sunday is only a couple days away! If you have plans to throw a party or an Easter egg hunt for the kids, here are a few ideas to guide you in the right direction. To add some additional fun to your egg hunt:...

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Awareness of Holiday Dangers

It's April already! That means that the warm weather and holidays are headed our way. With Easter coming up and Memorial Day after that, we can only imagine what fun plans and BBQ's you are planning for your family!...

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A Little Extra Caution Can Go a Long Way While Driving at Night

While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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7 Scary Finding from Synmantec Internet security

A newly released study by global information protection expert Symantec Corp. delves into the problem of cyber security and suggests that we’ve only seen the tip of the iceberg. The increase in mega breaches, aggressive...

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Window Insulation Isn’t Just for Winter

We all know that we should insulate our windows and doors in the fall in preparation for winter. However, a lot of people have started insulating their windows and doors in the spring time as well to help keep not only...

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Key to a Healthy Lifestyle

Colorado Springs has been repeatedly named one of the most active cities in the nation. We have events, exercise activities and lots of local stores that help to add to this title we proudly carry. As we get further in...

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And Now for a Game of 'Was It Covered?'

Being an insurance broker, I come across some very unique claims and back-stories. Looking at some that happened nationwide or even internationally can really get you thinking. I thought it would be fun to mention some...

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Do You Need International Car Insurance?

With summer coming up on all of us so quickly, some of you might be planning your family vacations already. Kudos for you for planning ahead! Vacations can be expensive and starting a budget plan early in the year can...

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Budget Lessons for Kids and Adults Alike

There are numerous lessons that you can teach your kids using everyday actions. It may not be the fastest thing to do but they will retain the lessons much better if they have an associated event or memory to attribute...

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Cash or Credit?

There is a debate of how you should pay your monthly insurance premiums. Some say they prefer using credit cards, some say they prefer a check or schedule a withdrawal from their bank accounts. There are pros and cons...

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Another Bonus to Monitoring Your Driving Habits

We have all seen the commercials with the spokesperson trying to influence others to try a little white click-in box to monitor your driving habits. These boxes are becoming more and more popular with some Auto...

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Preventing Age-ism

Coming out of retirement, back into the work force, I noticed "age-ism" in a big way Thought I'd share this article with my fellow business owners Preventing Age Discrimination Develop Tenure Employees March 18, 2014 BY...

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Spring Time Means Local Wildlife

Spring has sprung! Yesterday was the first day of Spring and here in Colorado Springs that means that the wildlife has already started to explore the area. These animals include: bears, mountain lions, foxes, snakes,...

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Get Ready to Safely 'Spring Forward'

Daylight Saving Time begins Sunday, March 9, 2014, for most places in the United States, so don't forget to set your clock forward one hour. We here at Southern Colorado Insurance Center want to remind you it's also a...

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Don't Rely on Luck!

Check out these facts about Colorado residents on St. Patrick's Day! In 2012, there were 424 arrests and four deaths throughout the state of Colorado because of drunk driving on St. Patrick's Day alone The cost...

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Should you get cell-phone insurance?

With all the newest phone models and brands hitting the market at such a fast rate, it seems like getting phone insurance would be the best idea to cover the purchase and commitment you're about to make. However, this...

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Family Insurance and You

Whether you have a family or are planning on creating one, there is a lot of information out there about how to best prepare for such a venture. Some of the information that may be so well-known or easy to find is the...

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Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Insurance Information Useful to All

Insurance can be a complicated thing to figure out, especially if you are trying to do it on your own. We at Southern Colorado Insurance Center work to make things easier for you by finding you the best fitting policies...

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What’s Your Rank?

Choosing a college should depend on more than just tuition. Don’t get me wrong, tuition is a major aspect of college, especially if you are helping put your child through it. However, there are a lot more things to...

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What is Med-Pay?

If you are not familiar with insurance terms or the vast complexity of all of the different areas and parts of insurance policies, you may not know what Med-Pay is. Med-Pay is actually very important, especially with...

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Loss of Income

Weather events continue to dominant the headlines. Property damage, power outages, closed roads – these and other after-effects of severe weather can force a business to close with financial repercussions that quickly...

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Take These and Call Us in the Morning

How many parents out there have gone into a child care center or daycare and taken the tours offered? If you have looked into child care you should have raised your hand. There is a lot to learn about child care centers...

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The Growing Threat of Cyber Criminals

As mentioned in our post on identity protection, a lot of businesses in the year of 2013 were forced to make public statements that large numbers of customer's personal information had been obtained through the...

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Something to Add to Your Grocery List?

How many of us shop for insurance while shopping for our groceries? I would imagine that anyone around the Colorado Springs area would not raise their hands. This would not be the case in Tennessee where a local...

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The Importance of Self-Security

We have all heard stories about people who have had their identity stolen. Recently we have been hearing more from companies who make comment that their systems were hacked and large numbers of people's information was...

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One Family’s Tragedy is a Reminder to Us All

When I was being taught how to drive, I was given the ABC's of getting started. I don't mean the how-to's or the what-to-do's, I mean the actual ABC: A - Always Adjust for safety B - Buckle your seatbelt C - Check...

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One of Your Hobbies Could Turn Out to be a Liability!

Many people (including us) have started if not kept up with blogging for years. Some have started their own, personal blogs; others use it to keep people up to date about their business and the trends of their...

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I Would Like to Introduce You to...

Anyone who has worked in child care of any kind knows that there will be a turnover on the children that are enrolled. Even if you haven't worked in child care, your child's class ever seems to stay the same does it? ...

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Five Sure-Fire Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own - if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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Self Insured Retention vs High Deductibles

In the current economic climate, first-dollar coverage has become a luxury that many commercial insureds can no longer afford. Although policies with large self-insured retentions (SIRs) and deductibles have always been...

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Exceed the Expectations (Or at Least Be Ready For Them)

Valentine's Day is approaching quicker than anyone is willing to admit. Hopefully you and your significant other have some special plans (or surprises) in the works for each other. We at Southern Colorado Insurance...

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Insurance Isn't Always Enough

It's 7:30 on a Monday morning. You wake up, start your coffee maker and notice that it's snowing outside. You get ready as usual, you make sure your insurance is up to date (as I'm sure we all do early Monday mornings)...

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How is My Workers' Compensation Premium Determined?

Your workers’ compensation premium is determined by a formula that has three primary elements: 1. The type of business you have 2. Your business’s history of workplace accidents 3. The total payroll of your business The...

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Construction Bonds

The construction industry is rebounding or possibly the rebound in the construction industry is leading an improving economy This is a good month to look at contractors. Thanks to the improving economy, the construction...

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Flood Insurance - What You Should Know

Lately we have been hearing more and more about the horrors of floods. Locally you probably know someone who has gone through flood damage or someone who has lost a home due to a flood and learned after the fact that...

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Don't Worry So Much About The Monster Under The Bed!

There's something creeping towards all of us! We never quite feel ready for it when it gets here... It raises our blood pressure... It relies on year-long panic of when it comes back... It's....It's...It's TAX TIME! ...

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Avoid Fumbling on Super Bowl Sunday

What team will win the Super Bowl is the question many people are wondering around this time of year. With the game quickly approaching, our own diligent team at Southern Colorado Insurance Center wants to give you a...

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Be the Pinnacle of Health & Wellness This Winter

It goes without saying that keeping yourself and your family healthy through the winter months can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds at school...

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Make Football Season Fun and Safe

Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Colorado Football brings with it a whole host of seasonal activities...

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A Different Season Means Different Dangers For Motorcyclists

Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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Flood News

FEMA Chief: Congress, Not FEMA, Has Power to Delay NFIP Rate Increases The head of the Federal Emergency Management Administration said his hands are tied when it comes to flood insurance rates, despite growing concern...

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Flood Assistance information

The Federal Emergency Management Agency (FEMA) continues to support state and local response efforts to the flooding in Colorado through its National Watch Center in Washington and its Regional Response Coordination...

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Rate Hikes on Flood Insurance

Per Property 360: Members of Congress are demanding that the Federal Emergency Management Agency finesse the impact of steep flood insurance premium increases mandated by a 2012 law even as a key government watchdog...

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Packing Smart For An RV

No matter how big your RV is, you will likely always be short on space. It's hard to leave anything behind when you're packing up, so consider ways you can pack smart. 1) Compact is king: This one seems obvious, but it'...

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4 Tips to AVOID Dog Bites

Dog-bite claims cost insurers over $489 million in 2012, accounting for more than a third of all homeowners insurance liability claim dollars paid out in the year, according to a study by the Insurance Information...

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Vacation TIPS

Tips for packing, saving and planning Right now, LiveLifeLocal is highlighting tips to help take the stress out of trip planning this travel season. For example: Plan ahead. An unplanned adventure can bring a sense of...

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Black Forest Fire donation

June 12, 2013 Steve Bartolin, President and Chief Executive Officer of The BroAdmoor, has advised the Colorado Springs Regional Business Alliance that the food that was to be served at tomorrow's State of the City...

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Do You Own a Classic Car of the Future?

There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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Protect yourself prior and during a Hurricane

No one can predict when or where weather events like a hurricane will occur. Meteorologists may offer some warning and do a great job of explaining the conditions that created the event. But that's little comfort to a...

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Hurricane Preparation tips

Good Preparation Can Aid Recovery For businesses, emergency preparedness planning can make the difference between staying in business and losing everything. Having a disaster preparedness guide is one of the easiest...

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Oklahoma Workers Compensation news

Oklahoma is joining Texas as the only states that allow employers to opt-out of the workers’ compensation system. Under S.B. 1062, Oklahoma employers would have to offer injured employees alternative benefit systems...

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Wedding Insurance/EVent Insurance

At Southern Colorado Insurance Center we understand event insurance, especially for weddings The most memorable day of your life should be protected by accidents and/or unfortunate weather conditions Here are a few...

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Water backup information from Safeco!

What’s covered, what's not? Safeco's Homeowners policy provides coverage for water that backs up through sewers or drains as long as it originates on premises. As this chart shows, the optional endorsement expands the...

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It's Time for Spring Cleaning!

Spring is a time of new beginnings in Colorado springs CO-and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Southern CO Insurance Center,...

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Cargo Insurance

In today's world of commerce, insurance professionals and their manufacturing clients need to understand the shipping environment, whether their goods will travel across the country or across the ocean. In highly...

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Homeowner TIPS Equipment Breakdown

Heating systems, air conditioners, electronic equipment and major appliances are all important to everyday comfort and convenience, but it’s easy for consumers to take them for granted. When one of these items breaks...

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Hiring the right people is critical to the success of any business

No matter the size, type, or location of your business, hiring the right talent plays a critical role in your venture’s success. High performing employees can help you grow faster, run smoother, and have a direct impact...

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Hobby Farm in Colorado

Southern Colorado Insurance Center is proud to introduce todays happy customer Mr and Mrs Boller came to us with their hobby farm policy with a company they've been with for over 5 years. Their premium had increased 35%!...

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Hobby Farm in Colorado

Southern Colorado Insurance Center is proud to introduce todays happy customer Mr and Mrs Boller came to us with their hobby farm policy with a company they've been with for over 5 years. Their premium had increased 35%!...

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Tips to ensure valuables are fully covered

According to the latest government statistics, one in every six homes in the U.S. will be burglarized this year, resulting in an average loss of $1,675 per burglary. And this figure doesn’t account for the trauma caused...

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Tips for backing up

Good Morning Colorado drivers, please share this with the newly licencsed drivers in your household! Moving forward, backward, or steering left or right from a stopped position can create an unexpected hazard for both...

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Visioneering

Completing the school week in kindergarten, looking forward to eating cereal in front of the television, watching cartoons on Saturday, you see, we began our journey of visioneering at 5 years old. Visioneering is the...

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10 Reasons to have ONE company insure your Apartment Risks

1.General Liability and Umbrella/Excess coverage with the same carrier 2.Liability for common areas including swimming pools, tennis courts, lakes and playgrounds 3.Property manager included as an additional insured 4....

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Protect Your Motorhome and RV From the Cold

If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Southern Colorado Insurance Center wish you a safe...

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Traveling tips for keeping your family safe

Will your family be traveling over the river and through the woods to celebrate the holidays at Grandmother's house? So will nearly 40 million other Americans, so consider the following tips to help make your travels...

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Make Sure Your Holidays Stay Happy … and Safe

You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Southern Colorado Insurance Center we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the...

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Snow plowing or removal

At Southern Colorado Insurance Center we understand the risks and coverages need to provide the protection your SNOW REMOVAL business requires Call us today at 719-329-4441~!

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No More Wondering What There is To Do in Colorado Springs

Have you ever stared out the window and wondered what there is to do here in Colorado Springs? Here at Southern CO Insurance Center, we know that Colorado Springs has a lot to offer, so we’re excited to see how...

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Tips for Preparing for Your Holiday Driving Trip

Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in...

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Preparing for a Power Outage

As we move into our wonderful Colorado Winter please stay safe and warm with the following suggestions from Southern Co Insurance Center: 1. Make sure you have a stock of: Drinking water; Food that doesn’t need to be...

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Halloween Safety: Be Ready When the Little Goblins Come Out

It's a night full of treats for both kids and adults in Colorado Springs. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door -...

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Attention Business owners

Ask yourself, "Do I have customers or do I have advocates?" Let's chat about the difference..

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Nonrenewal turns around

Sandy and Bob with Cascade Escapes referred their friends Debbie and Brian to Southern Colorado Insurance Center. Thank you! Debbie and Brian were being NONRENEWED by their insurance company of 8 years. Unfortunately we...

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Texting while driving hits a new low! Must see the picture

Everyone knows how dangerous it is to text while behind the wheel of a moving car. This guy has upped the ante by taking his hands off the handlebars of his motorbike while texting! This biker is traveling at between 50...

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Crushing Cave-in traps worker

Southern Colorado Insurance is your partner in being Safe and smart. To the Excavation contractors here at SCIC and thoughout Colorado... Safety Smart shared this experience "The sight was enough to make three grown men...

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When the Kids Head for College, Put “Insurance 101" on Your Class List

It's an exciting time when your child heads off to college. Whether they're attending school in Colorado or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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Do you know if animal damage is covered on your homeowners policy?

There are lots of outside animals that love to make their home in yours. And they will absolutely destroy your house if given the opportunity. But it often comes as a surprise to people that a property policy doesn’t...

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Contractors General Liability

Construction General Liability insurance provides protection against two types of financial loss arising out of a lawsuit against the company. First, it coveras damages awarded to a third party because of injury or...

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Get the Most Out of Your RV This Summer

There's nothing quite like taking a road trip in an RV. Whether you're headed to somewhere nearby or somewhere farther away this summer, Southern Colorado Insurance Center wants you to get the most out of your travels....

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Managing the Cold Chain

Protect your restaurant, your customers, and your reputation Restaurant and foodservice owners across Colorado know the importance of managing the cold and how seriously it needs to be followed to prevent food borne...

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Small Business Professional Liability

Many small business owners have typically not worried about professional liability claims. However, due to the past few years economy, those worries are now increasing. We are seeing small business sued who in...

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Commercial Car Insurance

If you are in business for yourself or working for others it is likely that you need some form of commercial vehicle insurance. Whether you are a hauler, transporter, contractor or any other type of business that...

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Workers Compensation Insurance

Does every business need to have it? Worker's compensation insurance is required in just about every state although specific standards vary. . For specific requirements, contact your state department of insurance....

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Is a Business Owners Policy Enough?

In general, a Business Owners Policy may do the trick for a lot of businesses. A cursory will review makes it look pretty inclusive. It is important however to read it carefully, and make note of any exclusions written...

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