Category: Insurance

Your business needs commercial insurance. It is the most reliable way to protect yourself from catastrophic damages and unavoidable liability. When you have adequate coverage, your company can stay in operation no matter what craziness life throws at it, providing you with stability in even the worst of times. If you feel a little inexperienced in commercial insurance, fear not. These are the three key tips to making the right choice.

Ask the Right Questions

When you contact an agent about commercial insurance, there are specific things you need to know. The two biggest questions are “What is the scope of services?” and “What is the capacity of coverage?” When you can thoroughly answer these two questions, then you know whether or not an agency can fit a policy to your business needs. By all means, don’t stop here. Anything that is unclear or particularly important to you or your company should be added to your list of questions.

Consider a Business Owner’s Policy

This is a simpler policy that is aimed to meet a small business’s needs with a single framework. Essentially it combines the elements of property insurance with general liability, to protect you from physical damage and loss as well as legal reprisals. Some policies will offer have packages to help your business when circumstances shut operations down for a short period. Always remember that every policy is unique, so double check the exact scope of coverage when you make your choice.

Think About the Future

Ultimately, you want your business to grow and succeed for years to come. This means you’ll need to maintain your commercial insurance for that duration, so choosing your partners in this is a long-term commitment. There are tons of experts in the insurance field, so you can find a great choice, but you want to have the appropriate conversations to make sure you and your agent are a good fit and that you can work effectively with your insurance providers.

Talk to an AFI Insurance agent today, or schedule an appointment to get started on the path to a properly protected business future.

If you are like many individuals in Denver, CO you probably have a nice collection of items in your trunk. Only problem is, most of these items you don’t really need. Some papers from the office, a few kids toys, and the set of golf clubs from when you drove down to Arizona for golf. Well, not only is all of this dropping down your fuel economy, but there are better uses for the trunk space. So, clear out your trunk and make way for a few of these tools. 

Self-Jumper Battery

Nothing is worse than letting your car run to heat up, only to have the battery die out on you. Now you have a dead battery in the middle of a snow storm. Instead of abandoning the car or searching out someone to help you out, AFI Insurance recommends having a self-jumper battery. This is a portable charge with a pair of jumper cable pliers coming out of it. This gives you a jump readily available, you just need to charge it up ever 30 days or so. 

Better Jack

Sure, your vehicle came with a jack, but it usually isn’t all that great, especially if you have a larger vehicle like an SUV or truck. Instead, invest in an improved jack. There are nice lever action jacks that go up easily, can hold more weight and can lift different areas of the vehicle. 

Bag of Salt/Kitty Litter

The bag of road salt can come in handy if you’re ever stuck or if you are parked on an incline and just can’t gain traction to get out. Additionally, even if you don’t have a cat, kitty litter adds traction to a slick surface without melting it. Both are extremely helpful while driving in Denver. 

Call AFI Insurance today for all all of your auto insurance needs, or to review your current policy. 

Some things in life such as a home or vehicle, are important enough to warrant an insurance policy. These items typically represent your biggest investments, and it’s important to keep them protected. It would be far too expensive to have these items replaced on a whim so we have them insured against damage. Insurance is one of the most important aspects of home and automobile ownership, and independent insurance agents help to make it more affordable. 

The True Value of Independent Insurance Agents

Many people prefer the personal approach of using an independent agent. These professionals have an in-depth knowledge of insurance laws, and they simplify the claim filing process. However, these agents also keep the larger companies competitive, by providing more affordable rates. Without independent agents, the larger companies could monopolize the industry, and charge absorbed fares. Everyone would still need the coverage, even if they couldn’t afford it. Just the price of insuring a vehicle would prevent some people from driving. Fortunately, there are also independent agents who can keep everyone protected from incident. 

What do AFI Insurance Agents Do

Independent Insurance Agents provide a litany of services, after an accident. They also vary in the types of coverage they offer. In essence, every insurance policy is a financial tool, and some independent agents offer different types of policies. Some agents may offer auto and home while others offer only life insurance. The biggest advantage to using an independent agent his his or her knowledge of your state’s laws. These individuals can also outline a plan that best suits our needs and not the needs of a corporation. 

 

 

Visiting Denver, Colorado during the spring and summer months means you will likely visit the Denver Botanic Gardens. Looking at the wonderful array of colorful flowers and taking in the sweet smells of nectar are rejuvenating for most people. Unfortunately, these flowers lose their beauty after severe weather and may not be able to bear the next tumultuous storm that comes. In that regard, these flowers demonstrate what happens to businesses that aren’t prepared with the appropriate commercial insurance. Many businesses consider only the costs but does saving money help your property weather the second storm that comes?

Basic Form vs Special Form Insurance
Basic form insurance only covers specific perils identified on the insurance form. Although it is the most cost efficient commercial insurance coverage, even though you survived the first storm, it may not protect you in the next storm. On the other hand, special form coverage is the most inclusive type of coverage. Instead, of listing items that are covered, the policy lists events that are not covered, allowing your business to be fully protected in case of the following:
•    Heavy snow and ice
•    Pipes freezing
•    Falling objects
•    Hailstorms
If ever your business suffers as a result of severe weather, wouldn’t it be nice to be covered with a policy full of inclusions instead of exclusions?

What Policy is best for Your Business?
The best policy for your business is the one that provides you with the coverage you need. As a resident of Colorado, you understand the potential losses your business is exposed to on a daily basis, so why not ensure ample coverage? 

When you are ready to get the best value for your commercial insurance, give our offices a call to discuss your options. Our reliable insurance agents will answer all of your questions concerning commercial insurance and provide you with quotes.

If you own a Denver, Colorado area business, you probably have some trusted vendors you work with. At some point, you compared prices, sought recommendations, and did your due diligence. That is pretty much how we work in finding you the best commercial insurance for your business.

Some insurance companies use captive agents. These agents can only represent the products of that single company. At AFI Insurance, we are an independent insurance agency. This means we have access to multiple insurance providers. This allows us to compare prices, products and reputations. Our agents know which companies excel in certain areas of loss prevention. They can then make appropriate recommendations for you. There are frequently times when we not only can find improved coverage, but we can also save our client’s money on their premiums.

If it has been longer than you can remember since you took a look at your commercial insurance policy, we invite you to contact us. Our professionals will go through your policy and confirm your coverage. If you decide you are fine with what you have, that’s fine. There’s no obligation. On the other hand, if you would like us to perform a search for alternatives, we will be happy to go to work for you. There is nothing to lose.

You can try us with an online quote for your homeowners and auto insurance. By answering some questions, you can be on your way to saving on your personal insurance. This is a good way we can demonstrate the value of having an independent insurance agency on your side. For a commercial insurance review or quotes, contact us at AFI Insurance.

We would appreciate being your vendor for Denver commercial insurance. Contact us and put us to work.

The Mile High City of Denver, Colorado 80212 is a great place to call home. There are many things to do, including visiting the US Mint, where money is actually made. For business owners, getting around, it is costly in a bigger car, so adding fuel efficient cars to their fleets is a big deal to save on costs. Although fleet managers save money on fuel when they purchase smaller vehicles for their fleet, what affect does green cars have on a company’s insurance costs?

Green Cars and Insurance

Green cars are cars that are more fuel efficient. They are typically hybrid cars that use a combination of gas and battery or electric to operate. Many fleet managers are purchasing these cars because they can save tremendously at the pump and they like the idea that they are reducing their carbon footprint, but they don’t save you on the cost of your insurance. In fact, with very small cars, the cost of insurance is more.

Small Cars Have High Insurance Premiums

Small cars cost more to insure because they present a few risks to the insurance company. For most insurance companies, the fact that they are so small presents the most risk. Individuals in an accident in smaller cars sustain the most damage. For your business that means that it would cost more insurance dollars to make you whole if you or your employees are in an accident.

Coupling the fact that commercial insurance is higher because businesses travel during peak driving times of the day, with the fact that smaller cars are less durable, and you have the potential to experience major losses. The best vehicle to save money on gas and insurance premiums are minivans because they are durable and they consume less gas when traveling around.

Before you decide on the next car to purchase for your fleet it is important to speak to licensed insurance agents. They can provide commercial insurance quotes to ensure that your business is getting the best value when it comes to 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:

1. 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.

2. 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.

3. 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.

4. 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.

5. 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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Insurance can be confusing for anyone. Different policies, different terms, different benefits—it’s no wonder many people simply pick a big-name insurance company and assume everything will be fine.

But what’s easiest isn’t always what’s best. The key to insurance is finding a program that is exactly right for you. And with so many choices available on the market, that can be a daunting task.

That’s where we come in. At AFI Insurance, we take pride in working hard to develop the right insurance program to fit your needs. We’re a local agency, based right here in Denver, Colorado. The principals of the agency graduated from CSU and CU. We love Colorado. We’re your neighbors and we’re proud to be part of your community.

And because of that, we take extra care to make sure your insurance program fits YOU.

Part of that is providing you with a free individualized rate comparison for your personal automobile and home insurance right on our website or by phone.

We’re an independent Insurance Agency. That means we don’t work for some giant insurance company, we work for you. We can help you structure exactly the kind of insurance program you need, selecting from among hundreds of different carriers. We’re here to help you navigate the often confusing maze of terms and choices.

Our goal is to build a long-term relationship to help you and your family grow and prosper.

That’s why we’re offering you this great free service. Just follow the link here on our website to be taken to the rate comparison page, and you can see for yourself how various programs will work for you.

Or just give us a call and we’d be happy to discuss the options with you directly.

That’s what neighbors do!

Motorcycles give you a driving experience that even the best supercar can’t touch. It is especially brilliant during the spring and winter, with the trees showing a wide variety of colors. Motorcycles cost considerably less than your average vehicle, but it’s sometimes hard to bring down your motorcycle insurance costs due to the riskier nature inherent in riding a motorcycle.

One of the ways that you can bring down your insurance costs is by consistently riding as safely as possible. A good driving history does a significant amount to bring down your insurance costs, whether you are picking up new insurance or you want to try to negotiate a better rate with your existing insurance company.

Motorcycle insurance mirrors the options available through standard car insurance. In Sherrelwood, CO, you are required to have liability coverage on your bike. However, that’s not the only coverage option you have available. You can also add in collision if you’d like your insurance company to cover damage to your vehicle even if you are at fault in an accident. This is a good option if you have a newer bike, and you don’t want to have to worry about whether or not the other driver has liability insurance that can cover the damage.

There’s also comprehensive insurance, which covers situations that aren’t covered under either liability or collision. A common coverage option for this insures your bike against damages related to theft or vandalism.

Want help in getting better, cheaper motorcycle insurance for your bike? Talk to our independent agents in Sherrelwood, CO or use our free quotes tool to find out your options.

The water is simply calling for your personal watercraft, and you pull out the jet ski to enjoy the waters in Welby, CO. While you’re out on the water, you end up getting into an accident that isn’t covered by anyone but yourself because you didn’t hold insurance on your personal watercraft. While you aren’t legally required to hold this insurance in Colorado, failing to look into your options results in a lot of time and money lost that you don’t want to deal with.

The type of insurance offered by jet ski insurance agents depends on the company that you choose. The basic coverage includes liability, and often underinsured or uninsured boater protection. Many boaters choose not to cover their crafts with insurance as a way to save money, or simply because they aren’t aware that it exists. When you run into that situation, it’s frustrating because you’re out the repair costs or medical bill money.

Another type of coverage offered with jet ski insurance is towing coverage. If you end up getting stuck on the water, getting a tow back in to shore can be an expensive endeavor. The insurance allows you to get a tow back in without having to stress about the cost.

You only really get paid out from insurance when someone else hits you if it’s entirely their fault. If you want to not play the guessing game so you can get your jet ski back out on the water quickly, take a look at collision insurance. This covers any collision damage on your jet ski so you can have it back out on the water as quickly as possible.