WE KNOW YOUR BUSINESS
Business Insurance… It’s who we are, it’s what we do.
We “shop the market” to find you the best insurance value
We work for you, not the insurance companies.
We insure ALL habitational risks
Poor claim history, previously cancelled?…we insure all habitational risks.
Most common Denver Habitational insurance questions from our clients
Besides hail, what other exposures are the insurance companies becoming more concerned with?
Insurance companies are increasingly more concerned with barbecue grills on decks. Both charcoal and gas grills are a huge exposure in multi-family structures. Many companies will flat out decline if grills are allowed on decks.
Is there some way to offset the large Wind/Hail deductibles?
Most, if not all, companies offering habitational insurance in Colorado include a separate wind/hail deductible. Travelers have a mandatory 5% Wind/Hail deductible. For a $2,000,000 building, that is a $100,000 deductible! We are seeing more companies offer Wind/Hail Buy-Back policies that essentially cover the large deductible on your primary
Do you recommend a Condo Association carry Directors and Officers Liability Insurance?
YES. What may seem like a great chance to look out for the community has the potential for great personal risk. Board members frequently see individuals acting on behalf of their association and their residents, and they have a wide range of responsibilities that expands their exposures.
