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.

Why You Need Worker’s Compensation Insurance for an Office-Based Business

If you operate a low-risk, office-based business such as an accounting firm or a consulting company in Lakewood, CO, you might consider skipping worker’s compensation insurance. After all, what are the chances of employees getting injured in such an environment? However, not having worker’s compensation in such a setting could end up costing you more. Colling Insurance Services Inc. can help you understand why investing in a worker’s compensation policy is worth the premiums.

Potential Injuries in Office Environments

Contrary to popular belief, a significant number of injuries can occur in office environments. The leading category for worker’s compensation claims is slips, trips, and falls, which are common in offices, especially those with laminate, tile, or similar flooring instead of carpeting. Repetitive stress injuries, such as carpal tunnel syndrome from constant keyboard use, are also prevalent. Back injuries can occur if you do not provide your staff with ergonomic chairs or if employees frequently move heavy items like boxes or file cabinets. The building where your operations are located could also cause sick-building syndrome, leading to chronic cold and flu-like symptoms.

One often overlooked area is mental health issues. An employee might require mental health treatment due to ongoing stress or if they are repeatedly bullied or abused by a co-worker.

Securing Your Interests

Worker’s compensation policies are affordable and protect you from medical expenses, lawsuits, and other costly issues that could arise if an employee sustains a workplace-related injury. Even the safest workplace can experience an occasional mishap. By carrying this essential insurance, your employees will have peace of mind, knowing their needs will be addressed.

You can tailor your worker’s compensation policy to meet your specific needs. Contact Colling Insurance Services Inc., serving Lakewood, CO, to get started.

Home Insurance Personal Liability Coverage: What It May Cover

Home insurance does more than protect your house and belongings—it typically also includes personal liability coverage. This coverage may provide protection if you or a family member are sued. Here’s a look at what a typical home insurance policy’s personal liability coverage might protect against.

Injuries on Your Property

If someone injures themselves on your property, personal liability may cover a potential lawsuit related to the accident. Here are a few examples of what could happen:

  • A guest trips over laundry on the stairs, falls, and sustains serious injuries.
  • A visiting family’s toddler sticks their finger in an outlet and gets electrocuted.
  • A neighbor’s child is injured on your trampoline when unsupervised despite you taking appropriate safety measures.
  • A package delivery driver hits their head when slipping on ice in the driveway, a common concern during Lakewood, CO winters.

Injury coverage is often limited to those who don’t live with you, such as visiting family, friends, and delivery drivers.

Damage to Others’ Property

If you somehow cause significant damage to someone else’s property, personal liability may cover the cost of repairs.

This could theoretically involve a child breaking the neighbor’s window with a baseball, although a broken window probably doesn’t justify a home insurance claim. A much more serious situation would be if your house in Lakewood, CO, caught fire and spread to the neighbor’s roof or yard.

Defamation Claims

Defamation includes both libel (written) and slander (spoken). These are false statements that you make which significantly harm another party.

Personal liability often covers defamation lawsuits, including legal fees and any settlement. We at Colling Insurance Services Inc. can provide more details about this aspect (or any aspect) of personal liability coverage.

Ensure You’re Protected

In today’s litigious world, personal liability coverage is especially important. Contact Colling Insurance Services Inc. for help ensuring you’re adequately protected.

Everything You Need to Know About Car Fires

Car fires are more prevalent than you might think, with over 100,000 incidents reported yearly. These fires can cause significant damage and pose serious safety risks. Therefore, it’s crucial to understand their causes, prevention methods, and what to do if one occurs. At Colling Insurance Services Inc. in Lakewood, CO, we’re here to help you stay informed and protected.

What Causes a Car Fire?

Car fires can originate from several sources, but mechanical and electrical issues are among the most common. Faulty wiring, overheating engines, and fluid leaks are all potential fire hazards. Fuel system leaks are particularly dangerous, as gasoline is highly flammable. Collisions can also lead to fires, especially if the impact damages the fuel tank or electrical system. Even something as simple as improperly stored flammable materials in your car can ignite a fire under the right conditions.

Preventing Car Fires

Regular vehicle maintenance is the key to prevention. Promptly address warning signs like unusual smells, smoke, or fluid pooling under your car. Always respond to dashboard warning lights immediately, as they may indicate a problem. Avoid overloading electrical systems with aftermarket installations unless a professional does them. Keeping your car clean and free of unnecessary flammable items can also reduce risks.

What to Do if a Fire Breaks Out

If your car catches fire, pull over safely, turn off the engine, and evacuate everyone immediately. Move far away from the vehicle and call emergency services. Never attempt to extinguish the fire yourself—your safety is paramount.

At Colling Insurance Services Inc. in Lakewood, CO, we’re committed to helping you stay protected. Contact us today to review your auto insurance policy and ensure you’re covered for unexpected events like car fires.

The Basics of Umbrella Insurance: Is it Right for You?

Choosing the right insurance coverage becomes more straightforward with the right agent. If you’re contemplating umbrella insurance and you’re in the Lakewood, CO area, Colling Insurance Services Inc. is ready to assist. Our agents can provide you with quotes from various insurers and equip you with the necessary information to determine if an umbrella policy suits your needs.

What Does an Umbrella Policy Provide?

An umbrella policy is designed to extend coverage beyond the limits of your other policies. This includes coverage for your home and auto. In the event of a substantial claim, you may find that your policy’s limits are insufficient, potentially exposing you to increased risk. However, umbrella coverage steps where your other policy falls short provide additional protection.

Is Umbrella Coverage Necessary for Everyone?

Contrary to popular belief, umbrella coverage is not exclusive to high-asset individuals. Anyone can benefit from this additional layer of protection, regardless of the size of their personal assets. In the event of a significant claim, knowing that you have adequate insurance to protect you is comforting, as it can also impact your future.

With an umbrella policy, you can put aside worries about potential large insurance claims. Instead, you can concentrate on your loved ones and pursue your life’s passions.

Collaborate with an Agent for Peace of Mind

Contact us at Colling Insurance Services Inc. today if you’re in the Lakewood, CO area and interested in umbrella insurance. We’re eager to answer your questions and will collaborate with you to secure the best policy for your specific needs. Umbrella coverage is an excellent way to enhance your peace of mind.

In Storage or On the Water Boat Insurance can Make a Difference

Boating holds a unique allure for many. It could be the sense of liberation that comes with navigating the open waters or the tranquility induced by the deep blue sea and the rhythmic sound of waves. Regardless of the reason, boating is a passion for many, especially boat owners who invest significant time in maintaining their vessels. This dedication is one of the many reasons why boat owners in Lakewood, CO, and its surroundings trust Colling Insurance Services Inc. for their boating insurance needs.

Boat Insurance: A Safety Net On Land and Sea

A boat is a substantial investment that warrants protection. Fortunately, the right boat insurance ensures your boat’s safety on land or sea. While boating accidents do occur, many boat owners would be surprised to learn how frequently boats are damaged during transport, at the dock, or even while in storage. This is why consulting with a knowledgeable and professional agent to secure the right boat insurance is crucial. It helps prevent your prized possession from becoming a personal disaster.

Boat Insurance Solutions for Boat Owners in Lakewood, CO

If you are a boat owner in Lakewood, CO, or its vicinity and have questions or need protection for your vessel, we are here to assist. Contact us to learn more and schedule an appointment at Colling Insurance Services Inc. today for the coverage and protection your boat requires, whether in storage or on the water.

Extended Care Requires Longterm Care Solutions

It’s never pleasant to require a visit to the doctor or even an overnight stay at the hospital. However, when the problems that require medical care go beyond a typical visit or the occasional overnight stay, these issues can become more than just an unpleasant event or situation. Long-term care solutions are available because sometimes extended care also requires extended help. These are a few reasons why people and families from in and around the Lakewood, CO area rely on the professional and friendly team at Colling Insurance Services Inc. for long-term solutions for their long-term needs.

Long-Term Care Solutions for Long-Term Care Needs

Although nobody likes to think about it, the truth is that preparation can make a world of difference when it comes to injuries and illnesses of the most serious nature. From having a plan in place to the comfort of knowing you have coverage for the care you might need today and for the many tomorrows to come, there is no replacement for the benefits of preparation and having a solution for your long-term care needs. No, we never want to need those plans, but we will be happy to have them if we ever do. That’s why working with proven and professional agents, like the caring and knowledgeable team at Colling Insurance Services Inc., is important.

Get Long-Term Care Solutions in Lakewood, CO

If you live in or around the greater Lakewood, CO area and have questions about long-term care or need long-term health insurance solutions, we can help. Contact us to learn more and get the care, coverage, and protection you need for all your long-term care needs at Colling Insurance Services Inc. today.

Are Life Insurance Benefits Taxable?

Life insurance serves many purposes for many people. More than just a means to handle any debts or bills left behind, for many of us, it’s also a way to leave something behind for those we love and care about. These are a few reasons why people and families in and around the beautiful Lakewood, CO area rely on the friendly and professional team of agents at Colling Insurance Services Inc. for all their life insurance questions, needs, and concerns – like, are my life insurance benefits taxable?

Are My Life Insurance Benefits Taxable? Here’s What You Should Know

Many types of gifts are taxable, which can seem unfair. Now, imagine how it would feel to know that your last gift, your inheritance, and one of the last expressions of love you will make – comes with taxes. Here’s the good news: In most cases, your life insurance benefits aren’t taxable. Here’s the important news and what you need to know: To ensure your benefits aren’t taxable, you should talk to an experienced and reputable agent about all your life insurance questions, needs, and concerns.

Find Life Insurance Solutions in Lakewood, CO

If you live in or near the Lakewood, CO, area and have questions or would like to learn more about life insurance solutions, our knowledgeable and professional team of agents at Colling Insurance Services can help. From caring for those you love to taking care of end-of-life planning, our team can help with all your life insurance needs. Contact us to learn more and schedule an appointment today for the life insurance solutions you deserve at Colling Insurance Services Inc.

Is Dental Insurance Worth It? What Does It Cover?

Maintaining clean, healthy teeth requires regular visits to the dentist. However, the cost of dental care can be a barrier for many people. This is where dental insurance comes in. Dental insurance can make dental visits more affordable, helping you maintain healthy teeth and gums. At Colling Insurance Services Inc., servicing Lakewood, CO, we’re here to help. Here’s what you need to know.

The Advantages of Dental Insurance

Dental insurance comes with numerous benefits:

  • Makes dental visits more affordable: Dental care can be expensive, but it’s far more affordable with dental insurance.
  • Helps maintain oral health: Many dental insurance policies prioritize preventive dental care, helping you keep your teeth clean and gums healthy.
  • Dental insurance covers a range of services. It is flexible, with some policies offering more coverage than others. Your insurance agent can help you find the right policy for your needs.

What Does Dental Insurance Cover?

The coverage provided by dental insurance varies by policy. Most policies cover preventive maintenance like teeth cleaning and x-rays. Some policies cover restorative dentistry, like cavity fillings and root canals. Others also cover orthodontics like braces. You’ll need to speak with your insurance agent to find out what your dental policy covers. If you’re shopping for a dental insurance policy, your insurance agent can help you find the best policy.

Looking for Dental Insurance? Contact Us

At Colling Insurance Services Inc., servicing Lakewood, CO, we provide dental insurance to our clients. We can shop around to help you find a policy that fits your budget and ensures the right type of coverage for your needs. Call today to speak with one of our agents and get started.