What Does Dental Insurance Cover and Not Cover?

Whether you have a dental insurance plan or just shopping for one in Lakewood, CO, it’s crucial to know what it covers before you go.

At Colling Insurance Services Inc., most dental plans cover routine maintenance. This may include cleanings or exams; preventive care, including X-rays and fluoride treatments; some orthodontics and periodontal procedures; treatment for accidents; root canals and extractions (pulling teeth) if needed to prevent infection—all at no cost or a nominal fee. Dental insurance coverage varies depending on your plan and insurer. While some plans offer more range than others, most plans cover at least one routine checkup yearly and regular cleanings every six months.

Dental insurance doesn’t cover everything. Unless they’re medically necessary, your plan won’t cover cosmetic dentistry like whitening or veneers. Some plans do not cover braces, while others will only pay up to a certain amount per year, which could be more than $1,000 per year, depending on your child’s orthodontic needs.

Dental insurance is a wise investment. Having dental insurance can help you maintain a healthy, bright smile. Plan-specific factors affect dental coverage. Dental coverage varies by policy and company, so read the fine print. However, they all aim to provide affordable access to high-quality dental care. 

Remember This 

Including dental insurance in your overall health plan, not just for emergencies, is the key to maintaining excellent oral health. Dental insurance doesn’t replace regular checkups or good oral hygiene. Before receiving coverage, most plans require patients to visit the dentist twice a year. Let our dental insurance specialists at Colling Insurance Services Inc., located in Lakewood, CO, guide you through the right insurance policy for you and your family.

How To Find the Right Commercial Insurance for Your Business

When it comes to running a business, there are a lot of things to keep in mind. From product development and marketing to sales and customer service, there’s much to stay on top of. And one of the most important things to think about is commercial insurance. Commercial insurance protects businesses from liability in an accident or injury. But with so many different types of coverage available, how do you know which one is right for your business? Here’s a quick guide to finding the right commercial insurance for your business.

1. Understand Your State’s Insurance Requirements

Every state has different insurance requirements for businesses. So, the first step in finding the right commercial insurance is understanding what your state requires. Some states require companies to carry a certain amount of liability coverage, while others don’t have any specific requirements. Once you know what your state requires, you can start shopping around for a policy that at least meets those requirements.

2. Determine What Type of Coverage You Need

There are many different types of commercial insurance coverage available. Some common types of coverage include property damage, liability, workers’ compensation, and product liability. Depending on your business type, you may need one or more of these types of coverage. For example, if you have a lot of employees, you may need to carry workers’ compensation insurance. And if you sell products, you’ll need product liability insurance. Once you know what coverage you need, you can start shopping around for a policy that meets your needs.

3. Get Quotes from Multiple Insurers

Once you know what you need, it’s time to start shopping around for a policy. The best way to find a policy that meets your needs and budget is to get quotes from multiple insurers. When you request a quote, provide the same information to each insurer so that you compare apples to apples. And don’t forget to ask about discounts.

4. Read the Policy Carefully

Once you’ve found a commercial insurance policy you’re interested in, it’s essential to read it carefully. This will help you understand what’s covered and what’s not. And it will also help you ensure you’re comfortable with the coverage limits.

5. Work with an Insurance Agent

If you’re having trouble finding the right commercial insurance policy for your business in Lakewood, CO, you may want to work with an insurance agent. Insurance agents are familiar with the different types of coverage available and can help you find a policy that meets your needs.

Keep these tips in mind when you’re shopping for commercial insurance. By following these tips, you can be sure that you’re getting the right coverage for your business. Colling Insurance Services Inc is here to help with any questions about finding the right commercial insurance for your business. Give us a call today to learn more.

How Colorado’s Worker’s Compensation Laws Affect Small Businesses

Small businesses in Colorado must comply with the state’s workers’ compensation laws. These laws provide specific protections for employees who are injured or become ill due to their job. Colling Insurance Services, Inc. understands Colorado’s workers’ compensation laws are complex, so we’re here to help small business owners in Lakewood, CO become familiar with them before they open their doors.

How does workers’ compensation insurance work in Colorado?

Workers’ compensation insurance is designed to help cover the costs of medical treatment and lost wages for employees. In Colorado, small businesses must have workers’ comp insurance when they have one or more employees. Most business owners in Colorado purchase workers’ compensation insurance through a commercial insurer or the state-sponsored Workers’ Compensation Insurance Pool. Large employers may self-insure their workers’ compensation risks by obtaining approval from the Colorado Division of Workers’ Compensation.

Colorado Workers’ Compensation Benefits

  • Workers’ compensation insurance pays for medical benefits for injured workers. These benefits include:

  • Payment of medical bills related to the injury

  • Reimbursement for travel expenses related to treatment

  • Vocational rehabilitation

In addition, workers’ compensation insurance pays benefits for lost wages for employees who cannot work because of their injuries. The wage replacement benefits are based on a percentage of the employee’s pre-injury earnings.

What are the penalties for not having Colorado workers’ comp insurance?

You could be fined up to $500 per day if caught without insurance. If an employee is injured while uninsured, you will be liable for the entire claim plus a 25% penalty fine. You may also be subject to civil and criminal penalties. The local government might shut down your business until you comply with the law.

Colling Insurance Services Inc. in Lakewood, CO, offers workers’ comp insurance to protect you and your employees. We have the experience and knowledge to help you get the coverage you need at a price you can afford. Call us today to learn more about our workers’ comp insurance options.

Toy Insurance is Ideal for Families as well as Toy Collectors

Toy insurance is one of the more niche insurance products on the market. It is also one of the insurance products available that can provide consumers with immense value. Ask anyone in Lakewood, CO who has toy insurance, and they will tell you it gives a tremendous sense of peace, calm, and confidence in their expensive toys. The Colling Insurance Services Inc. team understands this and continues to educate customers on the value of toy insurance as a whole.

What is Toy Insurance

The concept of toy insurance is to protect the most valuable toys you own as a family. Think about toys such as collectible or rare toys, one-of-a-kind items, and more. Think about big toys such as golf carts, all-terrain vehicles, and snowmobiles. All of these recreational things, or rare toy collectibles, carry a high value. Toy insurance provides protection so that if one of them suffered from a loss or saw the damage, there would be a way to recoup that.

Coverage Options

With toy insurance, you have a variety of coverage options you can include in the policy. Toy insurance can consist of collision coverage and comprehensive and liability coverage. It is important to work with your insurance agent to understand all the different coverage options and what you need to cover. As part of this process, you can better be in a position to buy the right toy insurance policy for you.

Deciding whether insurance is worth the event of a Lakewood, CO customer is unique. It is up to you to make that determination, and the Colling Insurance Services Inc. team can help get you there.

What Are Some Things To Consider When Buying RV Insurance?

When you are considering buying RV insurance, there are a few things you need to keep in mind. The first is that not all policies are the same. You must ensure that you get the right coverage for your needs. At Colling Insurance Services, Inc., we can help you find the right RV insurance policy for your needs. Here are a few things we recommend you consider when shopping for RV insurance:

Compare Total Loss Replacement Vs. Actual Cash Value

Replacement Cost Value (RCV) is the amount needed to replace your RV with one of a similar kind and quality at the current market price. Actual Cash Value (ACV) accounts for depreciation and is generally less than RCV. It’s crucial that you understand the difference to make an informed decision about which type of coverage is right for you.

Get a Quote for Full-Timer Coverage

If you plan on living in your RV full-time, you will need a quote for full-time coverage. This type of coverage differs from standard RV insurance and will cover things like your personal belongings, liability, and medical payments.

Ask About Discounts

A number of discounts available can help you save money on your RV insurance premium. Some of the discounts that may be available to you include:

  • Multi-policy discount: If you have more than one policy with the same company, you may be eligible for a discount.
  • Good driver discount: If you have a clean driving record in Lakewood, CO, you may be eligible for a discount.

Make Sure You Have Enough Liability Coverage

Liability coverage is important because it protects you if you are found at fault in an accident. The liability coverage you need will depend on several factors, including the value of your RV and assets.


When you are shopping for RV insurance, be sure to keep these things in mind. If you have any questions, our Colling Insurance Services, Inc. team is here to help. We can work with you to find the right RV insurance policy for your needs and budget. Give us a call today or visit us in Lakewood, CO.

How could a boat insurance plan protect a Colorado boat owner?

While Colorado is well known for its snowy winters, the summer months can be quite warm. With the number of lakes in the region, owning a boat can be ideal and help you build some great memories. If you would like to purchase a boat and are in the Lakewood, CO area, it would be a good idea to get insurance for it as well. A boat insurance plan in this part of the state can protect a boat owner in various ways. 

Reduce Liability Risks

People in this part of the state will want to get insurance for their boat to reduce their liability risks. There is always a chance that you could cause an accident when driving a boat. If you are at fault in an accident, the costs to cover damages can be significant. If you are insured, you will have financial protection and other support in these situations, reducing your risks. 

Cover Your Boat

It is also a good idea to have boat insurance as it will give coverage for your boat. Insurance coverage for your boat is crucial, like any other major and vital asset. If you choose to invest in a boat insurance plan, it will give support and protection if the boat is stolen or damaged. 

As a boat owner and operator in the Lakewood, CO area, it will be vital that you take your insurance needs seriously. Once you start looking for a plan, calling the team with Colling Insurance Services Inc. can ensure you can select the right policy to cover your boat. Colling Insurance Services Inc. will ensure you understand your options and can build an ideal policy. 

Is it a good idea to get umbrella insurance in Colorado?

Being adequately insured is vital for anyone in the Lakewood, CO area. When you are in this part of Colorado, you will want to consider your needs and options. A type of coverage all people should consider getting is umbrella insurance. This is a type of coverage that will provide broad personal liability coverage. It is a good idea to get this coverage for various reasons. 

Insurance on Top of Existing Plans

One of the reasons that you should get umbrella coverage is that it will give you coverage on top of your existing plans. Most people get the majority of their insurance support through home and auto plans. While these cover some risks, they will come with a policy cap that only offers support up to a certain level. Umbrella coverage will give additional support on top of those policies. 

Coverage Offers Peace of Mind

Another reason that you will want to have this coverage is to receive peace of mind. There is always a chance that you could be named liable for the losses of another party. While some of these risks are predictable and covered by standard insurance plans, others are harder to prepare for. If you get a proper umbrella plan, you will know that you are prepared for the unexpected. 

Anyone living in the Lakewood, CO area will want to know that they are appropriately insured, and having umbrella coverage is a big part of that. It is crucial that you call someone that you can trust when looking for coverage, and Colling Insurance Services Inc. is a great team to start with. Colling Insurance Services Inc. professionals understand this type of coverage and can help you select an ideal policy. 

What are the benefits of having long term care insurance in Colorado?

There are a lot of insurance needs that the typical person in the Lakewood, CO area should evaluate. One type of insurance that all people should think about getting is long-term care insurance. There are various benefits that come with this type of coverage, which can prove to be very beneficial to policyholders in the future. 

Ensure Access to Care Needed

One of the main advantages of having a long-term care insurance plan is that it can help ensure that you have access to the care you need when necessary. One of the most difficult things to predict as people age is the level of care they will need. While some will be healthy and independent well into old age, others are going to need far more support. Long-term care insurance can help ensure that you are prepared for the unknown.

Reduce Costs

The use of long-term care insurance can also help to drastically reduce your personal expenses for long-term care. Even if you are fully insured by Medicare or another source, you will have to come out of pocket for various forms of care and protection. With long-term care insurance, you will be able to get the appropriate care at much lower out-of-pocket costs. This can be a financial saving for both you and those in your family. 

There are clearly many great reasons to get long-term care insurance when you are in the Lakewood, CO area. If you are evaluating your insurance options and need guidance, speaking with the professionals at Colling Insurance Services Inc. can be beneficial. If you are looking for coverage for your long-term care needs, Colling Insurance Services Inc. can help you evaluate your situation and pick a plan that properly meets your needs. 

Why should someone get life insurance in Colorado?

Lakewood, CO residents are always going to have various personal insurance needs. While it is important to get liability risk support and protect your most important assets, having life insurance is also a necessity. There are various reasons why someone in this area of the state should obtain a life insurance plan.

Offer Financial Protection for Dependents

The primary advantage that comes with getting a proper life insurance plan is that you can offer financial protection for your dependents. When there are people that rely on you financially, ensuring they are cared for is important. If you get life insurance, you can build a plan that will ensure their expenses are covered if you were to pass away unexpectedly. 

Investment Alternative

Many people today will also use a life insurance plan as an investment alternative. Finding a way to diversify your investments and reduce risk is always beneficial. With a whole life insurance plan, you will earn investment income on top of the insurance benefit. Each month, some of your payment builds in an account that you can eventually convert to cash. This will grow with interest as well, which can make it a safe addition to a personal investment plan. 

As you are looking for a new life insurance plan in the Lakewood, CO area, you can quickly find that there are a lot of decisions to be made. As picking the right plan is very important, you will want to be selective and speak with someone that you can trust. The team with Colling Insurance Services Inc. has helped people in this region choose the plan that is ideal and meets their needs. Colling Insurance Services Inc. can help ensure that you understand all of your options and are able to get into a plan that offers proper coverage. 

Why You Need Health Insurance

Many people don’t want to have to spend any more money than they have to. They cut back wherever they can, to ensure that they have enough money to get them through the weeks. One place they may cut back on is their health insurance.

However, that can be a mistake. Here are some reasons why you need to have health insurance. 

You are more likely to stay healthy when you have health insurance. You will have to pay little, if anything, to visit the doctor for your yearly checkup and vaccinations. 

It is also there to protect you if you get sick or injured. If you have to go to the urgent care or emergency room for any reason, you could be looking at hundreds of dollars. If you need to stay in the hospital, your bill could cost you a few thousand.

If you need surgery, it would be even worse. By having insurance, you can get the care that you need, without worrying about the cost of your treatment. You don’t want to get into an accident, and then have to figure out what you can afford to do. You are going to want to get the care that you need. 

Skipping health insurance may save you money, but it won’t in the long run. You will be less likely to go to the doctor regularly and keep up-to-date with your vaccinations. You also may find yourself in trouble if you get hurt. You may have to choose the treatment depending on the cost. 

If you are unsure about how much health insurance you need, don’t hesitate to contact us today at Colling Insurance Services Inc. We are located in Lakewood, CO and would be happy to sit down with you.