Monthly Archives: November 2015

4 Things You Need to Know About Auto Insurance After Your Wedding

Once you get married in Lakewood, there are four things you need to know about your auto insurance policy. Things change as soon as you say “I do”, and this is because there is now another person to take into account with everything – and this includes your insurance policy.

Married Couples Are Safer Drivers – Statistically

Married couples are generally considered safe drivers. They are less likely to get into a car accident and there are various theories about this. It may be that Mary drivers are on the road less, or that they live less risky lives. Regardless of the reason, statistics show that there are fewer accidents amongst married people and therefore discounts are given.

Take Advantage Of Multi-Car Discounts

Two cars on one policy is typically more affordable as well. This is because many insurance companies throughout Colorado provide a multi-car discount. By placing both cars on the same policy, you have the ability to save a significant amount of money on your premium every month.

Share Everything But Not Your Poor Driving History

If you or your spouse are not considered the safest driver, such as one of you have gotten into an accident or have gotten a speeding ticket, it may cause your insurance to go up. This means that in some instances, it can be better for you to both keep your separate policies.

Compare Which Insurance Company Offers The Best Deals For Couples

One of the best things that you can do is talk to an independent insurance agent once you have gotten married to discuss your auto insurance policy. You can learn about what is going to be best in terms of combining policies or keeping them separate.

Contact us at Colling Insurance Services Inc. today. We look forward to helping you find an affordable auto insurance policy whether it is for just you or for you and your spouse. We will answer questions and help you to find the right policy.



3 Risks Every Small Business Owner Needs to Know

Do you own a small business? While operating your own company can be immensely fulfilling, it does come with a few extra risks. Here are three risks every small business owner needs to know and ways insurance can help.

Risk #1: Property Damage

Just like with your home and personal auto, property damage can happen at any time. Protect your business against fire, theft, vandalism, and other unfortunate incidents by having appropriate insurance coverage. Most business policies include a layer of coverage for your office or storefront location, while a commercial vehicle policy can help insure company cars against damage.

Risk #2: Injuries to Workers and Customers

Another important risk for small businesses to consider is injury to either worker or customers.  Sometimes accidents happen where a visitor to your location slips, falls, or is otherwise involved in an accident. In certain cases, your employee may even be the one who is hurt.

These injury scenarios actually fall into two categories: worker’s compensation insurance and liability coverage. A worker’s compensation policy is often required by law and takes care of your staff’s medical bills and other associated costs if they are injured while on the job. Liability insurance covers claims where your customer is injured. Both are two key policies to have if you own a small business.

Risk #3: Other Liability Issues

Another risk to look out for when you own a small business is other liability issues. While a liability policy does cover customer injury, it also encompasses many other types of incidents. For some companies, this can be a simple accident where a client’s home is damaged while your crew is working nearby or a situation where someone claims a product you made caused them harm.

The exact extent of liability risk greatly depends on the industry you are in and the tasks your firm is engaged in. Thus, there are a wide range of different liability policies available to help you find the one that meets your needs the best.

So, how do you know which commercial insurance policies cover the risks of your small business? Speak with one of our dedicated team members as Colling Insurance Services, Inc. We will sit down and review the details with you to determine your exact needs.