Monthly Archives: February 2015

Wheat Ridge CO: Does My Commercial Insurance Cover My Drivers?

Wheat Ridge is a small suburban city less than five miles from Denver, located in the 80033 zip code. Wheat Ridge may be small, but there is plenty to do from our 20 parks for the outdoor lovers to our shopping lovers with our numerous antique shops and our other local shops and stores.

If you own one of those quaint little shops or restaurants or thinking about opening your own, you will need commercial insurance and if you plan to have, your employees do errands for you. You will need a commercial auto policy because your commercial business insurance does not cover drivers.

Business Auto Coverage

  • Liability
  • Physical damage

Categories of Insureds

  • You, the person who’s name is on the policy.
  • Anyone who is driving a vehicle you own and that is covered by your auto insurance, that you give permission to drive the vehicle, called a permissive driver or user.

The insured (named insured being you, because your name is on the policy and you pay the insurance) has the most insurance coverage. This includes the vehicles you have chosen to insure including:

  • All vehicles you own
  • Hired vehicles
  • Rented vehicles

You, the insured have more coverage even if you are not driving the auto, but are a passenger at the time of an accident. You are also protected from your employee suing you because of the accident, even if it was or was not caused by their negligence.

Employees Covered as Permissive Drivers

The majority of permissive drivers are employees driving company owned vehicles. These employees are covered while driving vehicles you own, borrow, or hire. If you rent a car and you’re, name is the only one on the lease and an employee drives that car they are not covered. When renting vehicles you must list everyone who will be or may drive the vehicle while it is in your possession.

If you have any questions about who is covered and who is not in different situations asks your insurance agents at Colling Insurance Services while you are getting your commercial insurance quotes.

Colorado: What Type of Business Insurance Do Ski Resorts Have?

If you live in Colorado, or visit often, then the chances are you love to ski. Colorado has some of the best ski resorts in the US. Unfortunately, accidents do happen and the ski resorts are prepared.

The general rule while skiing – is ski at your own risk. Ski resorts would go out of business if everyone who fell on the slopes and broke a bone, sued them. And, there is no such thing as a tree jumping out in front of you.

Ski Resort Insurance

  • Premises
  • Lift
  • Skiing

Primary General Liability

Primary general liability covers claims of property damage, injury (not caused by your doing), and negligence related to the ski resorts activities.

The insurance provides a wide-ranging, flexible type of coverage for all normal operations of US ski resorts including:

  • Ski schools
  • Ski shops
  • Ski rentals shops
  • Lodging
  • Food and beverage
  • Resort daycare centers

* The policy also includes coverage for daycare and ski school related incidents such as abuse (verbal, physical, mental, and emotional.) As well as unwanted physical advances and attacks.

Additional Ski Resort Coverages

  • Commercial Automobile Insurance – Shuttle buses, cars and trucks used by employees, and rescue vehicles
  • Employers Liability – If an employee is injured they will receive workers compensation, employer liability protects the ski resort from any liability.
  • Liquor Liability Coverage – If the lodge or restaurant serves alcohol, most states require liquor liability insurance. If you live in a state that does not require this type of coverage, you may want to seriously consider adding it to your commercial policy. It provides protection for you, if a patron drinks too much and gets hurt or hurts someone else.
  • Property and Crime – If type of insurance provides coverage if your property (ski’s for example are stolen.)
  • Electronic Data Processing – Covers the ski resort in the event of a computer systems failure – where credit card information could be stolen from a hacker and even if reservations are lost and overbooking results. The resort can comp rooms/cabins and file a claim and be reimbursed for lost income.

Owning a ski resort requires all types of insurance coverage. It’s easy to find the best coverage for your ski resort business by contacting commercial insuranceagents and requesting insurance quotes from Colling Insurance Services.