March, 2015 | Blog | AFI Insurance

Accidents and unfortunate situations, such as flood, fire, and even lightning, can happen. These things do not just occur in homes and public places, but also in businesses. If you own a business, you surely want to guarantee the safety of your company, your employees, and yourself as well. You need business insurance to secure your investment in Colorado.

AFI Insurance has commercial insurance agents who are willing to serve you. Before you talk to or hire one, we encourage you to ask the following questions:

What are the types of business insurance? There are actually several types of business insurance and our agents know about them. These types include property and casualty insurance, commercial auto, liability, product liability, and business interruption insurance.
Are there ways to save money when purchasing insurance? The simple answer here is yes. We have an online tool that you can use to compare various insurance products. Also, our agents will help you find ways to purchase insurance without paying high premiums.
How much should I pay for business insurance? Every business is unique, so it depends upon your company. Be sure to have all the necessary information you can provide to make it easier for the agents to assist you.
As a startup business, should I get insurance right away? Our agents will recommend that you purchase insurance even if you are just starting out or even if you are planning to open tomorrow.
If I do not have major assets, should I still buy insurance? It does not matter if your company is small because it always helps that you protect your business in Colorado.

The commercial insurance agents that we have come with experience and knowledge, so every business owner in Colorado will be able to get the benefits of being properly insured.

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The 80212 area in Denver, Colorado is a premier place to live. It has been voted as such by various publications for years and some of this has to do with the recreational opportunities, the high income levels, and the low obesity levels. There are countless things to see and do and restaurants and shops are abundant throughout the area.

When you own a home, you need to be sure that your homeowners insurance accounts for everything that could happen. While you know about damage and theft, do you know about a personal injury claim?

If someone injures themselves on your property, they can turn around and hold you liable. You’re the homeowner and you failed to keep your property safe. Such instances could include:

– Guests

– Contractors

– Complete strangers

Even a newspaper delivery boy can file a personal injury claim against you if he slipped on the ice of your walkway leading up to your door.

When you want to make a claim, you need to contact your homeowner’s insurance company. They will walk you through the documents you need to submit. You will also have to give a full account as to what happened.

Not all claims will be accepted. Some will be denied and this is based upon what is included in your policy. To avoid having claims denied when someone has injured themselves at your home, you want to get a homeowner’s insurance policy in Denver that protects your home to the highest level.

Our agents can help you with this task in Colorado. We are familiar with the various options within a homeowner’s policy and can go over the ones you want to add. We believe in the importance of obtaining multiple quotes for comparison, so adding a bunch of additional options is not a guarantee that your policy in Denver will be more expensive.