Home / Business Specialty Insurance

Business Specialty Insurance

Since our inception in 1997, we have insured thousands of businesses. From A to Z we have insured every type of business imaginable… even unimaginable!

While we can insure every type of business there are several Industries that we specialize in, where we have special Expertise. Please see the list of our business specialties below

The simple way to access the best Specialty Insurance options in Denver.

Get a Quote

Most common Denver Key Person Life Insurance questions from our clients

How do you determine the amount to insure a key person?

Calculating an employer’s expected financial loss normally requires the anticipated cost to recruit and train a replacement to be added to the estimated amount of lost business earnings resulting from the key person’s death.

What do you mean by the term “Key Person”?

Clearly, it includes employees and owners whose employment is important to the continued success of the business. Any person should be considered key to the success of the business if he or she:

  • Makes a substantial business contribution
  • Possesses critical information or knowledge
  • Maintains and nourishes key contracts and relationships

What type of life insurance policy is best a key person?

As with all decisions to purchase life insurance, it comes down to needs versus budget. While Permanent Life Insurance offers an employer greater flexibility, a business for whom the premium for Permanent Life Insurance is too expensive should purchase Term Life Insurance. The preferred Permanent Life Insurance policy to meet life insurance needs is Universal Life or Indexed Universal Life. The advantages are:

  • Increase or reduce the premium payment (or no payment at all) depending on the employer’s cash flow at the time the premium is due.
  • Ability to take cash value withdrawals and/or loans on a favorable tax basis.
  • Increase (with evidence of insurability) or decrease the policy’s death benefit to meet business needs.
Mountain Insurance

The right coverage at the best price. Colorado's trusted insurance advisers since 1997

About Us

We are dedicated to providing our clients with the highest quality in business and personal insurance products and services at the most competitive prices in Denver, CO.

3705 Kipling Street, Wheat Ridge, CO 80033
303 420-4774
info@mountaininsurance.com