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It’s pretty easy to apply for a commercial insurance quote in Lakewood, CO but it can be harder to understand all the details and if you are getting a policy to suit your needs.
The Details
This is where you should be spending the most time looking at your quote and comparing policies. The policy that has the lowest premium may not necessarily be the best one. Each quote will tell you what kind of policy you are looking at and what type of coverage it has. After you review the coverage, if you have questions about the policy then speak with an agent at Colling Insurance Services, Inc. For example, a quote will tell you how much general liability you will be getting per occurrence and how much the total policy will pay for claims filed through the policy year.
There are some keywords that you should know when looking at the details. The per occurrence limit is the higher amount the policy pays during a single claim. The aggregate limit is the total for the claims paid in a policy period. The deductible is what you will pay out of pocket before you get any insurance benefits.
Comparing Quotes
If you are looking for a general liability policy in Lakewood, CO, you may get quotes for a business owner’s policy, which has general liability included as well as property insurance and other policies bundled, or you may just have one for general liability. Be sure you are comparing apples to apples and only comparing the standalone liability policies to other standalone policies. Even if you are looking at the same type of policy, don’t just assume you are getting the same amount of coverage. Read carefully about what you are getting. Quotes are not final but they are a pretty good guess on what you will end up getting.
Contact Colling Insurance Services, Inc. to get a quote on commercial insurance.