Category Archives: Insurance

Why should I get workers comp insurance?

A Lakewood, CO business owner could find that the strong local economy makes it a great place to own or manage a company of any size. If you are going to own a business here, you need to make sure that you get all of the right insurance for your company. One important form of coverage that your business needs to have is the worker’s comp insurance. There are several reasons you should get this type of coverage.

Provides Protection for Employees

The employees of any company are an extremely valuable asset. Due to this, you will want to make sure that they are covered and protected. With a worker’s comp insurance policy, you can be assured that they will be covered if they suffer an injury while working. This ultimately helps to protect the business as well as it can reduce the company’s out of pocket liability for these situations. 

Legal Requirement

Another reason that you should get workers comp insurance for your business is that it could be a legal requirement. If you have a certain amount of employees in this state, you need to provide this coverage to your employees. Those that do not have this coverage for their company, could face serious penalization. 

If you would like to own a business in the Lakewood, CO area, and are considering your insurance needs, adding workers comp insurance is very important. When you are looking for this insurance for your business here, you should call Colling Insurance Services Inc. The team at Colling Insurance Services Inc. can give you the guidance that you need to build and choose a policy. This could help to ensure that your business is in compliance with all regulations and that you are providing valuable coverage to your team. 

How would a Lakewood toy insurance policy protect me?

The Lakewood, CO area offers people in the area with immediate access to many great recreational activities and options. One way that you can explore the area and enjoy it as much as possible is by getting a recreational toy. When you are going to purchase a recreational toy, you also need to spend time thinking about your insurance needs. There are several ways that a recreational toy in Lakewood could protect you. 

Provides Protection for Liability Risk

One way you can be protected with a toy insurance policy is by receiving liability risk protection. Anyone that operates a recreational toy is going to take on the risk that they could cause an accident that could lead to damages and even bodily injury. Since these damages can be extensive, you will want to have liability protection to ensure you are covered. 

Covers Your Assets

With a recreational toy insurance policy, you will also receive coverage for your asset. If your toy is stolen or damaged in any way, the insurance policy will give you the coverage that you need to repair or even replace it entirely. If you have leased the toy or taken out a loan, carrying this insurance will be a requirement. 

When you get a recreational toy in the Lakewood, CO area, you are going to want to have it properly covered by insurance. One way that you can do this is to reach out to the team at Colling Insurance Services Inc. to discuss your needs and options. The team at Colling Insurance Services Inc. has helped many people in the area better understand and assess their insurance needs. They can then provide you with the insight you need to choose the right toy insurance policy for your situation. 

Should I get RV insurance in Lakewood?

The Lakewood, CO area is a great place to live in. When you are here, you are going to have access to all of the great natural beauty that the state of Colorado has to offer. To ensure that you are able to see as much of it as possible in a convenient fashion, you should get an RV. When you have an RV, you are going to have a great mode of transportation that will also offer you a place to relax when not on the road. If you do get an RV, there are several reasons why you should also get an RV insurance policy. 

Coverage Protects Asset

One of the main reasons that you should get a RV insurance policy is that it will protect your asset. A RV is a very valuable asset that you will want to cover as well as possible. When you get a RV insurance policy, you are going to receive the protection you need to ensure you are covered if it is damaged or stolen.

Gives Liability Coverage

Another reason you should get RV insurance is that it will give you liability coverage. Anyone that drives an RV is going to be taking on the risk that they could cause an accident. If this occurs, you could be left with some significant liability expenses to cover damages. With RV insurance, you will receive protection against this risk.

There are plenty of reasons to get an RV insurance policy when you are in the Lakewood, CO area. When you are looking for insurance, you should call Colling Insurance Services Inc. The team at Colling Insurance Services Inc. can offer you a lot of protection that will help to ensure that your vehicle is properly covered. 

Stay Afloat with Boat Insurance

If you love to ride the Lakewood, CO waters, then it wouldn’t be a bad thing to consider your boat insurance options. Boat insurance can protect your water-traversing vehicle in the case of a serious accident or worse. Learn all of the in’s and out’s of boat insurance with Colling Insurance Services, Inc. and stay covered for your next boating trip. 

What Does Boat Insurance Cover? 

Boat insurance provides you with financial relief in the event that your boat sustains damage from an accident or other type of incident. If you’re unfamiliar with boat insurance and boat insurance protection, here are some areas in which boat insurance provides coverage: 

  • Collision damage
  • Property damage
  • Injury
  • Comprehensive coverage
  • Liability 
  • Additional coverage

These are just some of the areas in which boat insurance can provide coverage. The specific coverage types and coverage amounts that you can receive will depend on the boat insurance policy that you choose. To find the right boat insurance policy for you, visit Colling Insurance Services, Inc. to help you stay covered. 

Why Is Boat Insurance Important? 

Boat insurance is something that can provide you protection and relief for when you get into an accident. It’s easy to overlook the possibility of an accident occurring on the Lakewood CO waters, but it can happen to anyone at any time. That’s why it’s important to have a policy for your boat to prepared for the worst-case scenario. It’s always better to have coverage and never need it than it is to not have coverage and find yourself desperately needing it. 

Protect Your Boat with Colling Insurance Services, Inc. 

When it’s time to choose a boat insurance policy, visit Colling Insurance Services, Inc. to find the right boat insurance policy for you. Our office serves the Lakewood, CO area, and we can help you explore your options.   

Can umbrella insurance cover breach of contract?

Many of us associate umbrella insurance with liability coverages. In fact, it is the main reason why most wealthy business owners, asset owners, and landlords in Lakewood, CO buy umbrella insurance–to add extra coverage to protect their valuables. Umbrella insurance goes beyond simple liability coverage that home, boat, and auto insurance offers.

At Colling Insurance Services Inc., we understand that we are living in a very litigious society. That is why we help people like you add extra liability coverage to avoid expensive lawsuits in case they happen.

Umbrella insurance and breach of contract.

Umbrella insurance is known to go above normal liability coverages and cover most legal issues. When you decide to buy the policy, it is important to consider your exact insurance needs as well as the terms and conditions of your insurer. Most umbrella insurance plans are linked to various legal issues that include breach of contract. If you have been looking for coverage that will help cover for breach of contract in Lakewood, CO, the umbrella insurance will do.

Should you hire a lawyer

Most umbrella insurance claims often involve some complex terms and concepts that may require you to hire a lawyer to help you through the process. Breaching a contract is not a straightforward activity, and a lot of proof and evidence needs to be presented, which can lead to serious strain on your finances. Umbrella insurance will pay for the legal fees based on your coverage limits.

Business loss of use and negligence cases

Like we said, contract cases are hard to prove as they contain a lot of technicalities that can quickly trip a lawyer. If your contract is breached, you want to prepare yourself by hiring some of the best lawyers to protect your interests. This is made possible when you buy adequate umbrella insurance.

For more information, feel free to visit us Colling Insurance Services inc. today!

What Is Longterm Care Insurance and When Do I Need It?

When you buy health insurance, there’s a tendency to let the matter go for many people. But health insurance is not necessarily designed for long-term illnesses, which is why longterm care insurance is available in Lakewood, CO to help you cover your bases. Colling Insurance Services Inc. is here to help you understand when it’s needed and what it’s used for. 

A Special Kind of Insurance 

There can be a lot of consequences of a major condition. You might be kept in the hospital for long stretches of time followed by even longer healing periods. The emotional strain alone can be difficult to bear, let alone the financial strain. The point of this kind of insurance is to have everything you need to get by during a particularly hard time. This kind of insurance is not an easy one to consider simply because it means thinking through the worst-case scenario. Still, it’s important to have an understanding of it before deciding whether to move forward with it. 

Reaching Out 

Colling Insurance Services Inc. knows that deciding on the right kind of insurance can be laced with plenty of questions. For the most part, younger people aren’t at risk for long-term illnesses, so they aren’t always candidates for this form of insurance. It’s generally better for people over a certain age or those with certain health conditions in Lakewood, CO.

If you know you want steadfast security in your life in the form of longterm care insurance, we ask you to give our staff a call today. We want to help you discover ways to augment your current insurance so you have everything you (and your family) will need if you’re unable to work or care for yourself for long stretches of time. 

Why should I get life insurance?

People that are in the Lakewood, CO area are going to have a variety of personal insurance needs. Most of these insurance policies are designed to protect assets or limit liability risk. However, another form of insurance that many in this area should consider getting is life insurance. There are several reasons why someone should get a life insurance policy. 

Coverage Provides Financial Protection

A primary benefit that comes with getting a life insurance policy is that it can offer you financial protection for your dependents. If you have dependents that rely on your income to live, you will want to make sure these people are cared for. When you get a life insurance policy, you are going to be able to name your dependants as your beneficiaries. Additionally, you will be able to create a policy that is designed to work for you based on the amount of coverage and term of the policy. 

Life Insurance Can be an Investment

Another reason that someone should get life insurance is that it can be a good investment as well. When you are looking to round out your investment portfolio, a whole life insurance policy will provide you with a conservative investment option. When you get this form of insurance, it will provide you with life insurance coverage but a portion of your payments will also accumulate in an account that you can liquidate in the future. 

When you are shopping for life insurance in the Lakewood, CO area, you should call Colling Insurance Services Inc. When you call Colling Insurance Services Inc. you can learn a lot more about how life insurance can benefit someone. The team can also help you to pick a policy that will give you the coverage that you need. 

3 Benefits of Having a Health Savings Account

In Lakewood, CO, the agents of Colling Insurance Services, Inc. offer information about health savings accounts to individuals who are looking for ideal ways to pay for some of their health and medical costs. Health savings accounts can have part of your paycheck direct deposited into it or you can add money whenever you choose.

No Tax

The money that goes into your health savings account is not taxable unless you use it for something other than a health or medical-related purchase. Money that is earmarked for your HSA account can be taken out prior to your wages being taxed.

Use It Any Time

Health savings accounts can be used at any time. You can use the money while you are on vacation or whenever you need to pay a co-pay or deductible. You will receive a debit card with your account that will provide you with easy access to your funds whenever you need them.

Covers Any Type of Medical or Health Related Cost

A health savings account will cover any health or medical-related cost. This includes costs associated with prescriptions and pre-existing conditions. The money can also be used to purchase vitamins and supplements, braces, and other items that are needed to provide direct care.

The agents of Colling Insurance Services, Inc. are dedicated to providing the residents of Lakewood, CO the best possible health insurance coverage at all times. Health insurance coverage can be confusing. With a health savings account, the agents can make it easy for you to cover many of your most unexpected health and medical expenses. Call your agent today to see if a health savings account is right for you.

The Importance of Dental Insurance

Keeping a healthy set of teeth in your mouth is an overwhelming task. If left untreated, multiple diseases (diabetes, respiratory and cardiovascular ailments) have a direct correlation to poor dental hygiene. It’s wise to learn the importance of dental insurance from Colling Insurance Services Inc. of Lakewood, CO.

How Does Dental Insurance Work

The basics of your dental insurance policy can differ from another person’s or family’s care plan. It’s designed to cover all preventative and emergency dental procedures. And that could mean biannual checkups of your teeth, gums, and providing some protection from unexpected oral surgery for major dental injuries. Quickly, you will learn the importance of quality dental insurance coverage as these same medical procedures are quite expensive on their own.

The goal of dental insurance is to offer some form of preventative care that quickly identifies oral health issues early in their development. If tooth decay or gum disease goes unnoticed, then it could manifest into a serious medical condition. Dental insurance is much more than preserving your smile. 

Dental Insurance Provides All The Right Benefits

Often the wording of your dental insurance coverage is limited to your current health condition. You want to design a policy that protects your healthcare needs. It’s important to gain the right dental insurance benefits that protect your teeth and gums long-term. A person wants to have the confidence to smile in public situations. 

Just like primary health insurance, dental insurance can help lessen the cost of annual visits and immediate treatment needs. Most policies offer at least two teeth cleansings-per-year, $ 5,000 maximum annual coverage for all required dental care, and other treatment options.

Good dental insurance should be part of your overall healthcare plan. Speak with a representative from Colling Insurance Services of Lakewood, CO to learn more about quality dental insurance coverage. Schedule an appointment today!

Do You Have a Garage Full Of Toys That Need Coverage?

Do you have an ATV, Boat, Motorcycle, or other Vehicle that you use mostly for fun and recreation? There may be special insurance considerations to take so you can have full peace of mind as you cut loose and enjoy the great outdoors around Lakewood, CO.  Colling Insurance Services Inc. serves the area with premium insurance services for your whole life from home, life, health, and of course fun. 

Most "toys" such as four-wheelers, golf carts, ATVs, jet skis, small watercraft, etc do not require insurance legally, but if they are financed you likely need insurance for the loan. Motorcycles, motor homes, and certain road-legal small vehicles do require a basic level of insurance to be road legal. If you are unsure about the legalities of your specific vehicle contact an agent to clear up any confusion. 

Just because insurance may not be legally required by the state of Colorado does not mean you should skip it altogether. Because of the nature of the use of these toys the risk of damage to the property or yourself is higher. Playing without some level of coverage could leave you in debt, with unexpected medical expenses, and without an ATV to enjoy in the future. We offer coverage for your ATV, motorcycle, camper, Four-wheeler, jetski, and other recreational items that are easy to purchase and fair. Give us a call today to learn more about Toy insurance coverage. 

If you live in or around Lakewood, CO contact us at Colling Insurance Services Inc. for an insurance quote for your toys, business, home, life, or automobile. We are proud to provide quality coverage to protect all aspects of your life.