Mountain Insurance in Gunnison, CO

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mountain insurance in gunnison, co

Home of the Blue Mesa Reservoir, the Black Canyon of the Gunnison National Park, the Gunnison Valley Observatory, and multiple areas for scenic wildflower hikes, the city of Gunnison, CO promises full entertainment and adventure for its residents and visitors year-round. However, with the city’s evolving beauty, there is always a risk of wildfires. When living near the mountains, we discuss how you can prepare for wildfires by securing proper mountain insurance in Gunnison, CO.

Mountain Insurance in Gunnison, CO

The call for adventure and exploration beckons in the breathtaking landscape or Gunnison, CO. However, while engaging with the surrounding nature, have you considered the danger and risks associated with living near the mountains? During sudden acts of nature such as a wildfire, it is comforting to trust that you and your family will be properly cared for when covered under mountain insurance.

Update Your Mountain Insurance Policy to Include Wildfire Insurance Coverage

Regardless if wildfire season just ended or is about to begin, evaluate your individual risks with your insurance agent to verify you have adequate coverage. It is imperative to remember that once a wildfire becomes active in or near your area, insurance plans are temporarily frozen. As a result, insurance companies are prohibited to amend or issue any insurance policy until the fire is controlled and extinguished.

However, before your insurance policy freezes, there are a few things you can do to protect your home.

Update Your Dwelling Coverage

Reviewing your dwelling limits with your insurance provider is of utmost importance. Confirm that your agent is aware of any upgrades or changes recently made to the home and that they made the appropriate changes to your coverage.

  • Have you added an addition to your home?
  • Did you recently renovate your kitchen?
  • Have you replaced the roof or siding on the home?
  • Was the driveway recently re-paved?
  • Did you landscape your yard with trees and shrubs?

Endorse an amendment to your insurance policy that reflects these changes within 30 days of the update to ensure it adequately covers the most current condition of your home. Most insurance agents will use a replacement cost guide to input the information about your home and get an estimate of the cost to rebuild.

Examine Your Detached Structures Coverage

Does your property include detached structures such as sheds, barns, a guest house, or garage? Most policies include coverage for detached structures, but it is important to ensure that you have the right coverage.

With today’s technology advances, use it to your advantage! With your smart phone, take photos or videos of your personal property and contents. Walk around the interior and exterior of your home, shed, and garage to document what is in and on your shelves, dressers, safes, drawers, closets, and jewelry boxes. Doing so not only confirms what items you had and their value, but it will also help you remember what you had in the junk drawer.

Secure Your Mountain Insurance in Gunnison, CO with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Gunnison, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what it takes to insure homes properly in the mountains- making sure your home is rebuilt, and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Request a Quote

Colorado Car Insurance: Does It Cover Me or My Car?

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colorado car insurance

When you buy car insurance you may wonder what exactly is covered. You know the kinds of coverage you have chosen. In Colorado, you need to carry liability insurance and then you can choose additional amounts of coverage in the form of collision and comprehensive. But do you know if you are covered if you drive your friend’s car? Is your friend covered if they drive your car? Very good questions. If you have Centennial State Insurance Agency in Bailey, CO you will have an experienced team on your side to answer any questions you may have. 

Let’s face it, you will probably not be the only person who ever drives your car. Chances are a family member or a friend at some point will use your vehicle. What if they have an accident?

Colorado Car Insurance Explained

In the state of Colorado, the insurance follows the car. That means the coverage you have on your vehicle, is always there no matter who is driving. You are the primary coverage which means it is also your premium that will rise if your insurance has to pay a claim and you who will owe any deductible. This is only the case if the person has your permission to drive your car. If they have insurance and no permission their insurance is primary. 

If someone is a regular user of your vehicle it is a good idea to list them on your policy as a driver. In Colorado, you can also exclude people from your insurance due to a poor driving record or other reasons. 

Secure Your Insurance Today with Centennial State Insurance Agency

Car insurance is important coverage and making sure you have an agent you trust gives you peace of mind. At Centennial State Insurance Agency in Bailey, CO, we are an independent agency and offer our customer choices when it comes to carriers. Give us a call to set up an appointment for a no-obligation quote. 

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How Do I Know if I Need Commercial Insurance?

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commercial auto insurance vs personal auto insurance

If you own a business, you may need commercial insurance. However, the line between personal and commercial policies can be confusing. If you are a sole proprietor, you will have different insurance needs than a large corporation. At Centennial State Insurance Agency in Bailey, CO, our agents help clients understand their insurance needs. 

Commercial Auto Insurance vs Personal Auto Insurance

The line is often blurred when it comes to personal vs commercial auto insurance. You don’t have to own your own business to need a commercial insurance policy. If you use your vehicle to commute to work, you don’t need a commercial auto insurance policy.

However, if you frequently use your vehicle to transport things for your job, you do. This includes delivering pizzas or transporting people. If you carry equipment to the job site, you may need commercial auto insurance as well.

Another rule of thumb, if you are driving while you are on the company’s time, you will probably need commercial insurance. If you work for a company, the company may cover you under its commercial policy, but you need to be sure before you drive as part of your job. 

Commercial Insurance vs Homeowner’s Insurance

This is another grey area. In many cases, it’s clear. If your property is strictly for business use, you will need a commercial insurance policy. If you work from home, it’s not so cut and dry. Commercial insurance is much more flexible than residential insurance, so it’s possible to tailor a policy to your needs. If you own a home-based business, commercial insurance can cover your business equipment and liability associated with your business. Your homeowner’s policy isn’t likely to cover a customer getting injured on your property or lost inventory. 

Which policies you need can be complex. At Centennial State Insurance Agency in Bailey, CO, our agents will discuss all your options and help you decide which policies are best for your needs. 

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Mountain Insurance in Avon, CO

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Mountain Insurance in Avon, CO

Home to the Beaver Creek Resort, the Walking Mountains Science Center, Avon Whitewater Park, and Nottingham Lake, the city of Avon, CO promises adventure and opportunity, surrounded by nature. This town offers countless activities to its residents and guests year-round. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets.

Below, we explore how wildfire insurance is imperative to those living near the mountains, and how you can prepare for wildfires in Avon, CO.

Mountain Insurance and Wildfire Insurance

Enjoying the mountainous views of Avon, CO invokes breathtaking forestry, lakes, and a snow-capped skyline. However, while soaking in the nature around you, it may be easy to forget the danger that living near the mountains can bring.

In unanticipated events, such as wildfire, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance. Below, we explore how to prepare for wildfires in Avon, CO.

How to Prepare for Wildfires in Avon, CO

There are multiple ways in which you can best prepare for wildfires. From clearing excessive brush on your property to updating your mountain insurance in Avon, CO, we discuss three helpful ways to prepare your home for wildfire season.

Clear Excessive Brush and Move Fuel Sources

It is recommended that you clear away any brush that is within 30 feet of your home. Therefore, rake pine needles, keep grass and weeds cut short to lower their fuel potential, remove any dead brush from under decks, and close any holes on your deck or stairs that would allow dead brush to get under decks.

Additionally, move any other fuel sources, such as gas cans and propane tanks, away from the home. If you have a wood pile, make sure the pile is stored a safe distance from your home. Keep your gutters, chimney, and roof clear of needles and leaves.

Help Make Your Home Wildfire Resistant

Did you know that there are steps you can take to make your home more fire resistant? Utilizing metal, clay, or a non-combustible roofing material lowers your risk of the home catching fire from wind-blown embers or crowning tree fires. You can also purchase a less combustible siding material like brick, masonry, stone, or hardboard.

Additionally, when the time comes for you to replace your deck, consider installing trek or composite decking material. Furthermore, upgrade your windows to double or triple pane, and limit the number of windows and size of the windows that open to your largest area of vegetation.

Update Your Policy with Wildfire Insurance Coverage

Before wildfire season kicks in, contact your insurance agent to discuss your individual risks and to see if you are adequately insured. It is important to note that once there is an active wildfire, insurance temporarily freezes, meaning that you cannot amend or issue an insurance policy until the fire is over.

Update Your Dwelling Coverage

It is crucial that you discuss your dwelling value with your insurance provider. Make sure that your agent knows about any upgrades you recently made to the home.

  • Have you added an addition or renovated the kitchen?
  • Did you replace the roof or siding on the home?

Make sure your insurance policy reflects these changes and that your dwelling coverage will adequately replace the current condition of the home. Most insurance agents will use a replacement cost guide to input the information about your home and get an estimate of the cost to rebuild.

Detached Structures

Confirm that you have enough coverage for detached structures, including sheds, barns, or garages. Most policies have some coverage for detached structures built into the policy, but it is important to ensure that you have enough.

With today’s technology it is a great idea to use your smart phone to take photos or videos of your personal property. Walk around your house, shed, and garage. Document what is on your shelves, dressers, safes, drawers, closets, and jewelry boxes. This not only helps prove the type of item you had, but will also help you remember what you had in the junk drawer.

Valuables

Most insurance companies have a built-in limit for jewelry, fine arts, guns, and collectibles. Consider the value of these items, talk to your agent about the built-in limits, and inquire if scheduling these items would benefit you. When you schedule these items, they are covered for the appraised value.

Special Motorized Vehicles

Many people are unaware that motorized vehicles are not covered on a homeowners policy. If you have a classic car, motorcycle, ATV, snowmobile, trailer, or motorized boat in your garage or barn, they will not be covered by the homeowners policy. Make sure to cover them under their own policy with at least comprehensive coverage.

Secure Your Mountain Insurance in Avon, CO with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Avon, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt, and you are properly taken care of.

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact Us

Mountain Insurance in Eagle, CO

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mountain insurance in eagle co

Eagle, CO, is home to the Camelot Balloons Inc., Eagle Town Park, Eagle Ranch Golf Course, and Eagle River Park. This town offers countless activities to its residents and guests year-round, surrounded by nature. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets. In the content below, we will explore how wildfire insurance is imperative to those living near the mountains, and the types of mountain insurance in Eagle, CO.

Mountain Insurance and Wildfire Insurance

While living in or near the mountains, you get the breathtaking views of forestry, lakes, and mountainous peaks. However, while enjoying the nature around you, it may be easy to forget the danger it can bring.

According to Eagle County’s official website:

“In Colorado, the wildlands that are prone to fire overlap expanding mountain subdivisions. This overlap is called the red zone. It is also referred to as the wildland-urban interface. Since fire is common in the red zone, special precautions are necessary for homeowners and land managers.”

In unanticipated events such as wildfire, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance in Eagle, CO. Below, we explore the best mountain insurance coverages to secure in the event of a wildfire.

Additional Living Expense Coverage

A wildfire can quickly destroy anything in its path. Regarding wildfire coverage, an additional special insurance coverage to consider purchasing is the additional living expense. This refers to the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Replacement Cost Coverage

It is crucial that you ensure your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Oftentimes, in original policies, these are written with low coverage limits. However, they can be increased to make sure there is adequate coverage.

Auto Coverage

You must not forget to insure your autos and secure adequate coverage. By failing to obtain comprehensive coverage on your automobiles, you risk not receiving a replacement vehicle in the event of a comprehensive auto claim, such as a wildfire.

Secure Your Mountain Insurance and Wildfire Coverage with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Eagle, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Contact Us

Uninsured Car: Will Home Insurance Cover It?

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uninsured car

Your everyday car, the one that you use to go to work, the one that you use for grocery trips, that one’s going to have its own car insurance policy. But what about the old clunker in the garage, the one that could be a thing of beauty when you get the time to repair it? You don’t exactly want to take out a whole car insurance policy for something that you’re not taking out on the road anytime soon, but what if something happens to your uninsured car? Will your home insurance foot the bill?

Uninsured Car: Will Home Insurance Cover It?

The short answer: No. Not unless you have a rider specifically covering that car.

However, your home insurance can cover a car in storage, but only if you specifically arrange that with your insurer. In other words, you can’t just add it to your inventory along with jewelry and electronics, you have to actually call your Bailey, CO insurance agent and work something out.

Insuring an Uninsured Car

You can get covered for a car that you store at home, but it’s not just another “possession,” so your insurance policy isn’t going to cover it by default.

If your car is being stored at a facility, the owners of that facility may have their own insurance in place for you, or a policy you can buy, and you don’t have to worry about it. But if you keep an old out-of-commission car at home, you’re going to want to make arrangements.

Secure Auto Coverage Today with Centennial State Insurance Agency

If you’re looking to get covered in Bailey, CO, get in touch with us at Centennial State Insurance Agency. You can call, go to the Centennial State Insurance Agency website, or stop by the offices, and we’ll see what we can do for you.

Contact us to compare quotes and properly insure your automobile today!

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Mountain Insurance in Breckenridge, CO

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Mountain Insurance in Breckenridge, CO

Breckenridge, CO, is home to the Breckenridge Ski Resort, Nordic Ski Center, Mohawk Lakes, and Epic Discovery. This town offers countless activities surrounded by nature to its residents and guests year-round. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets. In the content below, we will explore how wildfire insurance is imperative to those living near the mountains, and the types of mountain insurance in Breckenridge, CO.

Mountain Insurance and Wildfire Insurance

While living in or near the mountains, you get the breathtaking views of forestry, lakes, and mountainous peaks. However, while enjoying the nature around you, it may be easy to forget the danger it can bring.

The Cherry Canyon Fire from May of 2020 brought devasting flames across 11,818 acres located 10 miles NW of Kim, CO. Although started from a natural strike of lightning, this canyon fire could have made many homeowners homeless for a time.

In unanticipated events such as this, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance in Breckenridge, CO. Below, we explore the best mountain insurance coverages to secure in the event of a wildfire.

Replacement Cost Coverage

It is crucial that you ensure your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Oftentimes, in original policies, these are written with low coverage limits. However, they can be increased to make sure there is adequate coverage to replace these.

Additional Living Expense Coverage

As it pertains to wildfire coverage, an additional special insurance coverage to look for is the additional living expense, the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Auto Coverage

Finally, do not leave your autos uninsured or without adequate coverage. By failing to secure comprehensive coverage on your automobiles, you risk not receiving a replacement vehicle in the event of a comprehensive auto claim, such as a wildfire.

Secure Your Mountain Insurance and Wildfire Coverage with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Breckenridge, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt, and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Request a Quote

Wildfire Insurance in Flagstaff, AZ

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Wildfire insurance in Flagstaff, AZ

Known as “The City of Seven Wonders” and home of the Arizona Snow Bowl, Meteor Crater, and the Painted Desert, Flagstaff, AZ promises year-round leisure and entertainment. However, as wildfire serves as the most prominent threat, responsible for 60-100 wildfires annually, it is paramount that you obtain wildfire insurance in Flagstaff, AZ. 

In the content below, we explore the importance of securing wildfire insurance, discuss what wildfire insurance covers, and share what to remember when filing a claim. 

The Importance of Securing Wildfire Insurance

Doug Compton, CEO of Centennial State Insurance Agency, advises in his wildfire insurance video: “If there is a fire in the area, you may not be able to make changes, additions, or take out a policy in the future.” Therefore, it is vital to ensure you have proper homeowners insurance or commercial insurance in place that covers rebuilding if your home or business is lost in the fire.

To effectively determine the anticipated cost to rebuild your home in Flagstaff, calculate the value by a cost per square foot formula. “It’s also important to make sure that you [have] guaranteed replacement cost or extended replacement cost on [your current] policy,” Doug continues. “This is an additional amount of coverage provided by the company you’re with.”

What Does Wildfire Insurance Cover?

A wildfire can damage anything in its path. Therefore, for residents and businessowners with any form of property in Flagstaff, AZ, it is important to understand what wildfire insurance covers.

The Structure

Oftentimes, a standard homeowners policy covers destruction and damage caused by fire, which can include wildfires. If a wildfire brings damage to the structure of your home or business, your insurance company compensates for the rebuilding or repairs needed, including the remediation of smoke damage.

This structural coverage also includes the outbuildings on your property. Other structures can include a garage or toolshed. 

For homeowners or renters with policies insuring a condominium or apartment, refer to the association’s by-laws or underlying lease to determine your personal insurance responsibilities and those of the association.

The Contents

Content coverage insures all items within your home or business that are not structural, such as clothing and furniture. Therefore, a homeowner or renter’s policy includes coverages for your belongings in the event of loss or damage. Additionally, content coverage insures you in cases of theft or vandalism (if looting or robbery occur in the wake of a wildfire). For homeowners, trees or shrubs are covered under set policy limits.

The Expenses of Temporary Living Arrangements

When your home is damaged or rendered uninhabitable as a direct result of a wildfire, this coverage helps compensate you for any additional living expenses (ALE) while living outside the home. These expenses can include hotel accommodation fees, meals, and other travel arrangements.

Your Vehicle

Comprehensive auto insurance secures coverage for any damages against your vehicle in the event of a wildfire or vandalism as a direct result of the wildfire. While this coverage is optional, it could mean the difference of paying the deductible or the entire expense of purchasing a new vehicle.

What Should I Do When Making a Wildfire Claim?

If a wildfire damages any of your property, it is imperative to take the following steps:

Contact Your Insurance Provider Immediately

Each state and insurance company mandates a designated time limit as to when a claim can be reported. Therefore, you have a limited time in which your claim is valid for consideration and evaluation. Because the claim process may take some time, depending on the severity of the claim, it is best to contact your insurance agent or broker in a timely fashion. At that time, you can ask your insurance provider about claim filing requirements and next steps.

Typically, your insurer will obtain repair estimates, requiring a visit from an insurance adjuster to appraise the value of the damage. Additionally, they will require a submitted “proof of loss” form that details each item lost in the wildfire, the approximate date of purchase, and the cost to repair or replace each item lost. To help prepare ahead for a wildfire, you can complete a thorough home or business inventory.

Do Not Discard Damaged Items

Although your insurance policy includes coverage limits, it is beneficial to keep any damaged items when it is possible and safe to do so. By doing so, it allows an insurance company representative to assess the damage and create a more accurate claim report.

Secure Your Wildfire Coverage with Centennial State Insurance Agency

If you are looking for wildfire insurance in Flagstaff, AZ, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are taken care of. 

Contact us to compare quotes and properly insure your home, property, and auto today!

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When Does Someone Need an Auto Insurance Policy?

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auto insurance policy

If you are in the Bailey, CO area, owning a car is usually a necessity. Not only will this help you to get around town, but it will also give you a convenient way to get out and see all that the state of Colorado has to offer. When you do own a car here, it is also a good idea to get auto insurance. There are several situations when someone here will need to have an auto insurance policy.

Auto Insurance Policy: When Does Someone Need One?

When Taking out a Loan

One situation when you will need to get an auto insurance policy is when you are going to take out an auto loan. If you do take out an auto loan, it is important that you continue to comply with all of your lender’s guidelines. This will almost always mean you have to carry a policy with a full collision and comprehensive insurance coverage. 

When Driving on Public Roads

Another situation when you will need to have an auto insurance policy is when you are driving on a public road. Those that want to drive their car in public in Colorado need to comply with the state minimum requirements that govern auto insurance. This will require that you have liability insurance, which ensures you are able to pay for damages caused in an accident.

Begin Your Auto Insurance Policy Today with Centennial State Insurance Agency

Picking a new auto insurance policy is always a big decision. When you are searching for a new policy in the Bailey, CO area, you should call the team at Centennial State Insurance Agency.

When you work with Centennial State Insurance Agency to pick an auto insurance policy, you will receive a lot of support that can help you to choose a policy that is right for you based on your needs and situation. 

Contact us to compare quotes and properly insure your automobile today!

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Small Business Insurance Coverage in Buena Vista, CO

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small business insurance coverage in Buena Vista, CO

As a small business located in Buena Vista, CO, when was the last time you reviewed your insurance coverages? Are you adequately insured? Are you wondering what coverages your business should have in place?

Doug Compton, CEO of Centennial State Insurance Agency, advises in his small business insurance video: “It’s important as a small business owner to protect your investment. You need to make sure that you have proper liability insurance, that your property is covered, and that you have [workers compensation] insurance if you have employees.”

Small Business Insurance Coverage

Below are some important coverages to secure for your small business:

Property Coverage

Commercial property coverage protects your business structure. However, although commercial property insurance covers some types of water damage, flood insurance is designed to cover damage as a direct result of flooding from either natural or man-made causes. Therefore, it is a separate policy that requires a separate purchase from the standard commercial insurance.

Liability Insurance

Liability insurance protects your business assets and covers costs that come up if someone is hurt in your business. It also may cover injuries and damages caused by employees while on the job.

small business insurance Buena Vista

Commercial Auto Coverage

It is paramount that your business secures auto insurance for any commercial vehicles. Like other states, the state of Colorado requires that you always carry minimum liability insurance. To drive legally in the state of Colorado, you must also always carry $15,000 worth of property damage coverage. Additionally, you need to secure bodily injury coverage of at least $50,000 per incident and $25,000 per person.

Workers Compensation Insurance

Workers Compensation Insurance coverage helps you take care of your employees in the event of an accident and injury. It provides medical expenses, lost wages, and rehabilitation costs to people who became injured or ill at work. Additionally, workers compensation also pays death benefits to families of employees who have passed away while on the job or as a result of the job.

Cyber Insurance

Doug Compton warns that “in today’s world, it is important to look at cyber insurance” regardless of the current size of your business. Many states, including Colorado, have enacted strict laws on how your business is required to protect others’ information.

Hackers are not the only way cybercrime can happen. Ex-employees can steal and distribute company data. Current employees can be tricked into breaking procedure or doing non-work-related tasks at the office. It can also be as simple as misplacing a flash drive or leaving your laptop in the booth at a restaurant.

Small Business Insurance in Buena Vista, CO: Centennial State Insurance Agency

If you are looking for any form of small business insurance in Buena Vista, CO, our experts at Centennial State Insurance Agency are ready to help!

As a proud member of the Buena Vista marketplace, we understand what is takes to secure proper commercial coverage at the right rates to ensure your small business is effectively taken care of. 

Contact us to compare quotes and properly insure your business, property, and auto today!

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