Tag Archives: Lakewood CO

Does Dental Insurance Cover Emergencies?

Taking care of your teeth is an essential part of maintaining your overall health. Many people purchase dental insurance to help cover the costs of dental care. If you are near Lakewood, CO, our team at Colling Insurance Services Inc. can provide the information you need about dental insurance. We’ve been assisting clients like you since 1957.

Does Dental Insurance Cover Emergencies?

Even if you take excellent care of your teeth and visit your dentist regularly, dental emergencies can still happen. When they do, the cost of treatment is often the last thing on your mind. According to Legal Clarity, coverage for dental emergencies varies depending on the specific dental insurance policy.

Routine dental care, such as x-rays and exams, is typically covered by standard dental insurance policies. Many policies also offer a fixed amount of coverage for certain emergency procedures, such as tooth extractions or crown replacements. However, some policies determine coverage for unexpected procedures on a case-by-case basis. To avoid surprises, it’s best to review your policy’s provisions before an emergency occurs. If your current policy doesn’t meet your needs, one of our agents can help you explore new insurance options.

Call Us for Your Appointment Today

Dental procedures can be costly, but dental insurance can help ease the financial burden. Our team at Colling Insurance Services Inc. has the expertise and dedication to provide you with the insurance options you need. Clients in the Lakewood, CO, area trust us for excellent customer support. Call us today to schedule an appointment and discuss your insurance needs.

Does Your Small Business Need Workers Comp Insurance?

If you’re running a small business, you may be wondering whether workers’ compensation insurance is necessary. In most cases, the answer is yes. Having coverage can protect your business and your employees from costly setbacks.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance provides coverage for employees who experience work-related injuries or illnesses. It helps pay for medical expenses, lost wages, rehabilitation, and, in some cases, disability benefits. Additionally, it typically protects employers from lawsuits related to workplace accidents.

Is Workers’ Compensation Legally Required?

Workers’ compensation laws vary by state, but most require businesses with at least one employee (sometimes more) to carry coverage. Some states mandate coverage even if you only hire part-time workers or contractors. Failing to comply with these laws can result in hefty fines, legal penalties, or even business shutdowns.

Why Small Businesses Need Workers’ Compensation Insurance

Many small business owners assume they don’t need workers’ compensation if they have only a few employees or operate in a low-risk industry. However, workplace accidents can happen anywhere—from a retail shop to a home office. A single injury can lead to medical bills, lost wages, and legal fees that your business may struggle to afford without coverage.

Independent Contractors and Business Owners

Business owners and sole proprietors are often exempt from workers’ compensation requirements, but some choose to carry coverage voluntarily. If you hire independent contractors, you may still be held liable for their injuries in certain situations. Always check your state laws and consult with a licensed insurance agent to ensure compliance.

Contact Colling Insurance Services In Lakewood, CO

At Colling Insurance Services Inc., we proudly serve Lakewood, CO, and are here to help you find the right insurance products for your needs. Contact our team today to learn more about how we can help keep your small business safe and protected.

Why Your Company Should Offer Mental Health Benefits

If you’re a Colorado business owner, one of your priorities will be to purchase commercial insurance. Some business owners have concerns about choosing the right insurance options. If your business is near Lakewood, CO, our team at Colling Insurance Services Inc. invites you to explore our best solutions. We’ve been working with companies like yours since 1957.

Why Your Company Should Offer Mental Health Benefits

Caring for your employees includes choosing the right health insurance policy. While the primary focus of employee health insurance is to cover expenses related to physical health, many employers today are recognizing the importance of including mental health benefits. According to Murray Resources, neglecting mental health coverage is a short-sighted approach.

The modern business environment is filled with increasing stressors for both executives and employees. This stress can not only make work more challenging but also worsen physical health issues. Offering mental health coverage as part of your employee health insurance can serve as a valuable recruiting tool for prospective employees. Additionally, companies that provide short-term counseling services can help employees address issues that might otherwise impact their performance and job satisfaction.

Call Us Today for Your Appointment

Our team understands that every business is unique, and we are committed to helping you find the right insurance options tailored to your specific needs. At Colling Insurance Services Inc., we offer a range of customizable policies to ensure your business is adequately covered. Companies near the Lakewood, CO area have trusted us for nearly 70 years. Call us today to schedule an appointment, and let’s work together to protect your business.

What Parents Need to Know About Auto Insurance in Lakewood, CO

If you have a teen driver in the home in Lakewood, CO, understanding the minimum amount of coverage required for them while driving is vital. Knowing the auto insurance requirements for teenagers in Lakewood can prevent unnecessary financial stress and losses. At Colling Insurance Services Inc., we’re here to help you determine which policy solutions are right for you and your household.

Minimum Requirements

Anytime you have a teenage driver at your home in Colorado, you’ll need to meet the minimum insurance requirements, including:

  • Bodily Injury: Bodily injury coverage in Colorado includes $25,000 per person and $50,000 per accident.
  • Property Damage: The minimum property damage requirements in the state are $15,000 per accident.
  • Medical Coverage: Coverage for medical payments includes at least $5,000 in coverage.

Properly Insuring Your Teen Driver

Insuring your teen driver is best achieved by adding them to an existing family policy. This is the most cost-effective option and will lock in coverage. In most cases, this will also reduce the rates for teen drivers. Keep in mind that Colorado requires teens with driving permits to be added to a policy that already exists in the home.

Reducing potential rates is possible by encouraging good grades (which can result in student discounts) and enrolling your teen in a defensive driving course. Telematics apps can also reward safe driving habits.

If you’re ready to add your teen to an existing insurance policy or want to learn more about insurance options in Lakewood, Colorado, we’re here to help. At Colling Insurance Services Inc., we’re ready to help you protect the teen drivers in your home with a quality and affordable insurance policy. To learn more, don’t hesitate to get in touch with us directly to schedule your initial consultation and receive a quote today.

Home Insurance and Your Pets

Pets bring so much joy to a home. Still, many Colorado homeowners are surprised to learn how pets can factor into their home insurance through Colling Insurance Services, Inc., serving Lakewood, CO. Whether you have a playful puppy or a laid-back older cat, it’s worth understanding how your furry friends might impact your coverage.

Liability Protection for Pet Incidents

Most standard home insurance policies include liability coverage, which can help pay for injuries or property damage if your pet causes harm to someone else. This often arises in situations involving dog bites or when a pet knocks someone over. If a guest trips over your energetic dog and needs medical care, your liability insurance could help cover the bills and even legal fees if there’s a lawsuit.

Breed and Animal Restrictions

It’s essential to note that not all pets are treated equally by insurance companies. Some insurers place restrictions or higher premiums on certain dog breeds they consider higher risk. Exotic pets, such as large snakes or certain types of birds, may not be covered at all under typical pet insurance policies. If you have a pet that’s on a restricted list, your agent can help you explore options, such as specialty liability policies.

Damage to Your Own Property

Homeowners’ insurance generally won’t pay for damage your pet causes to your own belongings or house. For instance, if your dog scratches up the hardwood floors or your cat tears the curtains, that’s usually something you’ll have to handle out of pocket. Home insurance is mainly there to protect you if your pet damages someone else’s property or causes injury.

Having pets is one of life’s greatest joys, but it’s wise to understand where your home insurance stands. A quick conversation with your agent at Colling Insurance Services, Inc., serving Lakewood, CO, can clarify what’s covered, what exclusions might apply, and how to make sure your home and your pets are both properly protected. Contact us today to learn more.

Is Umbrella Insurance Worth the Extra Cost?

Whether you are a homeowner or renter, having insurance is essential to protect your investment in property and valuable personal belongings. Umbrella insurance provides additional coverage when your standard policy’s limits are reached, offering protection for your assets in Lakewood, CO, in situations such as lawsuits. With assistance from our well-qualified and experienced agents at Colling Insurance Services Inc., we can help you determine if umbrella insurance is the right choice for your needs.

Reasons to Consider Umbrella Insurance

Homeowners typically carry homeowners insurance that covers their home and personal belongings. Renters of houses or condos may opt for renters’ insurance, which protects their personal belongings while the structure itself is covered by the owner’s or association’s insurance policy. Umbrella insurance acts as an extra layer of liability coverage that activates when your other insurance policies have reached their limits. This type of policy does not cover your personal property. Instead, it provides protection for unexpected events where you are held responsible, such as damage to someone else’s property or injuries to others.

When Umbrella Insurance May Not Be Necessary

Not everyone needs umbrella insurance. When you speak with an agent at Colling Insurance Services Inc., we will evaluate your situation, including your net worth, lifestyle, and current liability coverage, to help you decide if umbrella insurance is a worthwhile investment. For individuals with minimal assets and a low-risk lifestyle, umbrella insurance may not be necessary. However, if you have significant assets that could be at risk when your existing policy’s liability limits are exceeded, purchasing umbrella insurance is highly recommended.

Contact Us

If you live in the Lakewood, CO, community, contact our team to discuss any questions you may have about umbrella insurance and whether purchasing coverage is the right decision for you.

When Do I Need Additional Liabiity Coverge for My Boat?

Insuring your boat in Lakewood, CO is not required. However, most owners choose to purchase a policy, and many marinas require one if you plan to moor your boat there. Liability coverage is one of the most critical components of a boat insurance policy. Colling Insurance Services Inc. can help you determine whether your policy has sufficient limits to meet your needs and fully protect your investment.

What Standard Boat Insurance Policies Cover

Standard policies include liability provisions to cover costs if you cause a boating accident that results in injuries or property damage to a third party. Liability coverage also typically includes attorney’s fees and court costs. Most policies also offer uninsured/underinsured boater coverage, which can be invaluable if someone without insurance causes damage in an accident. This part of your policy is especially important because many boaters take advantage of the fact that boat insurance is not legally required.

When You Might Need Higher Liability Limits

Generally, the larger and more expensive your boat, the greater your need for additional liability insurance. However, other factors also play a role. High-performance boats with powerful engines can cause more significant damage, and the boat’s speed and intended use influence liability limits. For example, if you use your boat for commercial fishing or to take clients on fishing trips, you’ll need higher liability coverage. Similarly, if you frequently entertain large groups of people on board, consider increasing your liability limits. High-profile individuals also face a greater risk of being sued following a boating accident.

Consider an Umbrella Policy

While you can request a higher liability limit on your boat policy, getting an umbrella policy may be a better option. Umbrella policies provide additional coverage that kicks in after you’ve reached the liability limit on your boat insurance. Having an umbrella policy to cover your boat can make the difference between keeping and losing your investment.

Learn more about how you can protect your boat, its occupants, and visitors by contacting the staff at Colling Insurance Services Inc., serving Lakewood, CO. We’re here to help you find the right coverage for your needs.

The Right Dental Solutions Offer One More Reason to Smile

Our smile is a powerful communicator and can significantly impact more than just our appearance. It’s often one of the first things people notice about us. That’s why many people strive for a radiant, white smile – first impressions can be pivotal. This desire for a beautiful smile is why many individuals and families in the Lakewood, CO area turn to the friendly and professional team at Colling Insurance Services Inc. for their dental insurance needs.

The Right Dental Insurance Solutions Can Brighten Your Smile

For many of us, our teeth and smile are often taken for granted. That is, until a problem affects our teeth or our confidence to smile. The good news is, in most cases, we can address any issues with our smile and teeth with quality dental care and a skilled dentist. The downside is that dental care can be costly. Fortunately, the right dental insurance can make a difference, giving us another reason to smile. This is why so many people and families in Lakewood, CO trust the team at Colling Insurance Services Inc. for all their dental insurance needs.

Dental Insurance for Lakewood, CO Area Residents

Do you live in or near the beautiful Lakewood, CO, area? Would you like to learn more about how Colling Insurance Services’ dental insurance solutions could benefit you and your smile? We can help. Contact us to find out more and schedule an appointment with our experienced and knowledgeable team today. Protect your smile with the dental insurance solutions you need from Colling Insurance Services Inc.

Going Into Business For Yourself? How to Choose Health Insurance

If you’re self-employed, securing health insurance is crucial. Selecting the appropriate health insurance policy is a significant decision. While insurance policies are available on the healthcare Marketplace, the experts at Colling Insurance Services Inc., servicing Lakewood, CO, can assist you in finding the perfect policy for your needs.

Numerous factors must be considered when selecting the right health insurance. Knowing what questions to ask and what to consider when choosing a policy is essential. Below, we’ve highlighted two key considerations.

Would You Prefer Higher Premiums or Higher Cost Sharing?

If you’re on a tight budget and prefer low premiums, you can often find a policy that fits your budget by opting for a higher cost-sharing option. This is a common choice for healthy individuals without families. If you’re a young entrepreneur with no concerns about incurring high medical costs in the near future, this may be the ideal insurance policy for you.

If you frequently have medical expenses or if you have a family, you may prioritize a policy that offers more comprehensive coverage and lower premiums. Your insurance agent can assist you in making this choice.

What is Your Income?

Your business’s annual income will also affect the cost of your health insurance policy. You’ll need to estimate your income. Your insurance agent can provide more information about how your income affects your health insurance costs.

Start Getting Help Today

Many people seek assistance in finding the right health insurance policy. The experts at Colling Insurance Services Inc., servicing Lakewood, CO, are here to help. Contact us today to get started with a health insurance policy that suits your needs.

No Business is Too Big or Too Small for Commercial Insurance Solutions

One of the paradoxes of business is that the more successful a company becomes, the more risk that success inherently carries. However, this doesn’t mean that small businesses are exempt from risks. The fundamental difference between smaller and larger companies lies in what they stand to lose and what’s at stake. To protect their companies from these risks, business owners in the Lakewood, CO area turn to the trusted and professional team at Colling Insurance Services Inc. for all their commercial insurance inquiries and concerns.

Commercial Insurance Solutions for Businesses of All Sizes

The cost of an accident, claim, or other issues can be substantial for larger companies. In contrast, while small businesses may not face comparable losses, a single major issue can have devastating effects and could even result in the company closing its doors. Fortunately, commercial insurance can help protect businesses of all sizes across every industry. That’s why it’s beneficial to work with experienced and proven agents who can assess your business risks and help you secure the commercial insurance solutions your business requires.

Commercial Insurance Solutions for Business Owners in the Lakewood, CO Area

If you’re a business owner in the greater Lakewood, CO area and have questions or need commercial insurance solutions for your company, we can assist. Contact us to learn more and schedule an appointment with our friendly and knowledgeable team at Colling Insurance Services Inc. today for the commercial insurance solutions and protection your business needs and deserves.