Types of Insurance

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We offer a variety of insurance options for peace of mind on the road, under your roof, for your business, and in your daily life.

Personal Insurance

Home Insurance

Auto Insurance

Renters Insurance

Personal Umbrella

Condo Insurance

High Net-Worth

Flood Insurance

Power Sports

Boat Insurance

Motorcycle Insurance

Recreational Vehicles

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Commercial Insurance

Commercial Auto

General Liability

Workers Comp

Commercial Trucking

Professional Liability

Commercial Property

Commercial Umbrella

Cyber Liability


D&O Insurance

Cargo Insurance

Disability Insurance

Builders Risk

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Specialty Programs

We also specialize in providing insurance for specialty businesses.

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Colorado mountains with home insured with homeowners insurance in Colorado


What is insurance, in simple terms?2023-05-23T13:55:21-06:00

Insurance is a way to protect yourself or your belongings from unexpected events that could cause financial loss or damage. It works by spreading the risk among a large number of people who pay a relatively small amount of money called a premium. In exchange for this premium, the insurance company agrees to provide financial assistance if a covered event occurs.

Here’s a simple example to help illustrate how insurance works: Let’s say you have a car and you buy car insurance. You pay a premium to the insurance company, typically on a regular basis (monthly or annually). If you have an accident and your car gets damaged, the insurance company will help cover the cost of repairs or replacement, depending on the terms of your policy.

Insurance can cover various things like health, home, car, life, and even business-related risks. The specific coverage and terms vary depending on the type of insurance and the policy you choose. The insurance policy outlines what events are covered, what is excluded, and how much the insurance company will pay in case of a claim.

It’s important to note that insurance is based on the concept of pooling risk. By spreading the risk among many policyholders, insurance companies can afford to pay for the losses of the few who experience them, providing a safety net for individuals and businesses.

In summary, insurance is a way to protect yourself financially against unexpected events. By paying a premium to an insurance company, you can transfer the risk of potential losses to them, allowing you to have peace of mind and assistance when you need it most.

Will turning in a claim automatically increase my insurance?2023-05-23T13:54:59-06:00

The answer is, it depends.

Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense.  However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.

What is an adjuster?2022-03-31T11:22:25-06:00

An adjuster is a representative of the insurance company that helps settle a claim.  They are not employed by us.  We do not settle claims as this is done by the adjuster.  However, we will assist in making sure a covered claim is paid fairly and promptly.


We’ve built our insurance agency around understanding what you need and what’s important for your family or business to protect.  That’s why we work with a wide range of insurance companies and products to meet your specific needs, including customized coverages.

We don’t work for the insurance company, we work for you.

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