Many people don’t want to have to spend any more money than they have to. They cut back wherever they can, to ensure that they have enough money to get them through the weeks. One place they may cut back on is their health insurance.

However, that can be a mistake. Here are some reasons why you need to have health insurance. 

You are more likely to stay healthy when you have health insurance. You will have to pay little, if anything, to visit the doctor for your yearly checkup and vaccinations. 

It is also there to protect you if you get sick or injured. If you have to go to the urgent care or emergency room for any reason, you could be looking at hundreds of dollars. If you need to stay in the hospital, your bill could cost you a few thousand.

If you need surgery, it would be even worse. By having insurance, you can get the care that you need, without worrying about the cost of your treatment. You don’t want to get into an accident, and then have to figure out what you can afford to do. You are going to want to get the care that you need. 

Skipping health insurance may save you money, but it won’t in the long run. You will be less likely to go to the doctor regularly and keep up-to-date with your vaccinations. You also may find yourself in trouble if you get hurt. You may have to choose the treatment depending on the cost. 

If you are unsure about how much health insurance you need, don’t hesitate to contact us today at Colling Insurance Services Inc. We are located in Lakewood, CO and would be happy to sit down with you. 

Most people try to save money when it comes to their health insurance. Though they get some insurance, they often skip dental insurance due to the cost. 

However, that could be a mistake. Here are some reasons why you need dental insurance. 

Most dental problems can’t be seen by the naked eye. No matter how much brushing and flossing you do, routine dental care is essential to make sure that your mouth is as healthy as possible. Regular cleanings and checkups will ensure that you don’t have any cavities or other hidden problems. 

If left untreated, dental disease can affect the rest of your body. Dental disease can affect your heart and other organs if left untreated. Some infections in your mouth could be affected by what is going on with your body, so your dentist may be able to catch some diseases early, such as diabetes and osteoporosis. 

You can get the treatment that you need, without worrying about the cost. If you need dental treatment, it can cost you a few thousand dollars. If you get injured and have problems with your teeth, such as pain or a broken tooth, you may not be able to afford to get them taken care of. With insurance, you can! 

Though you may want to save some money, if you are going to the dentist, you are going to want to have some sort of insurance. Otherwise, you may not get the preventative care and treatments that you may need, due to the cost. You also won’t have the healthy and beautiful smile that you deserve. 

If you need help figuring out how much insurance you need, don’t hesitate to contact us at Colling Insurance Services Inc. in Lakewood, CO. 

Workers’ compensation is a state-mandated type of coverage that provides benefits to employees who suffer work-related illnesses or injuries. It consists of payments required by law to be made to employees who got injured while on the job. Every state has its own workers’ compensation program for employees. Colling Insurance Services Inc. serving clients in Lakewood, CO has prepared a list of benefits of workers’ compensation insurance. 

What Are The Benefits Of Workers’ Compensation Insurance?

Workers’ compensation is beneficial for both employees and employers. Here is a list of its benefits:

• It covers accidents and other work-related medical issues.  If an accident happens on the job and an employee gets injured, workers’ compensation insurance covers the employee’s medical expenses and bills that can be quite high. 
• It prevents lawsuits. If an employer provides workers’ compensation benefits, employees are not allowed to bring lawsuits against the employer for job-related injuries. 
• Financial benefits for employers. By providing workers’ compensation insurance, an employer avoids having to pay fines if an accident happens and an employee gets injured while on duty. One of the main purposes of workers’ compensation is to protect employers from direct lawsuits and eliminate the risk of high fees. 
• Protection for employees. Workers’ compensation insurance is needed for creating a safer working environment for employees. As a result, a safe environment helps employers save on the costs of workers’ compensation. 

Colling Insurance Services Inc. – Trustworthy Insurance Company in Colorado 

If you are a business owner operating your business in Lakewood, CO or any other nearby town, and you are thinking of getting workers’ compensation insurance to protect your employees and yourself, our insurance company is ready to help you. Feel free to visit our website where you can find more information or give us a call. 

In the Lakewood, CO area, local residents enjoy heading to the local foothills and mountain ranges to enjoy the outdoors. When you are looking to maximize your experience here, having your own recreational toy can be a great option. As you are looking to get a recreational toy, you should also spend time figuring out your insurance needs. A toy insurance plan will offer several types of coverage that can be quite beneficial. 

Coverage for Asset

A form of protection that you will get with your toy insurance plan is coverage for your asset. A recreational toy can be a big purchase and is one that you will want to enjoy for a long time. If you are involved in an accident or it is stolen, having toy insurance will prove to be very valuable and helpful. This coverage will provide the support needed to repair or replace the asset.

Liability Protection

If you get toy insurance, you also can get liability protection. Anyone that is going to operate a recreational toy is going to take on a risk that they could cause damages in an accident. If you do cause damages, you will have to pay restitution to the other party. A toy insurance plan will offer the support needed to cover any damages that could be caused. 

As you are evaluating your toy insurance needs in the Lakewood, CO area, you can find there are various choices to make. If you are assessing your insurance needs here, you should call Colling Insurance Services Inc. When you speak with the team at Colling Insurance Services Inc., you can learn more about the various options and how it can protect you. Ultimately, this will help to ensure your toy is covered and you have liability support. 

Colling Insurance Services Inc. assists the Lakewood, CO community and the surrounding areas. We are an independent insurance agency. For over 50 years, we have helped our clients find policies to protect their assets. We work closely with multiple carriers throughout the Pacific Northwest. Providing excellent customer service is a priority.

RV Insurance Myths Revealed

RV insurance protects your vehicle as you travel around Lakewood, CO and explore other areas. You are covered if your RV is damaged in a collision with an object. You’re also covered if your RV is stolen or vandalized. Liability coverage protects you if your vehicle accidentally causes damage to another object or injures someone. You can amend your policy to add extra coverage such as towing service or emergency roadside assistance. While researching coverage, avoid these common RV insurance myths.

I Can Rely On Auto Insurance

There are clear differences between auto and RV insurance. Operating your RV exposes you to different risks compared to an automobile. RV insurance is the only way to protect your asset in every situation.

RV Insurance Is The Same

This is incorrect, as there are multiple types of recreational vehicles. Some RVs have travel trailers, while others act as motor homes because they are equipped with bedrooms, kitchens, and bathrooms. Your RV insurance will be tailored to the unique features of the vehicle. Every policy is different.

Home Insurance Covers My Personal Items

Many people make the mistake of thinking that their home insurance coverage protects the personal items they store in their RV while it’s parked. This is incorrect, as you will need RV insurance to cover any stolen or vandalized items inside your vehicle.

Colling Insurance Services Inc. Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.

In the Lakewood, CO area, there is access to many local lakes, rivers, and other waterways. When you want to enjoy your summer months as well as possible, investing in a boat can help you have a great time and stay active. If you opt to purchase a boat in this region, you need to make sure that you get the right protection. You will need to have boat insurance here for several reasons. 

Coverage is Needed to Protect Asset

A primary reason that boat owners in this area of Colorado will need to have insurance is that it is a great way to protect their assets. Owning a boat is a dream for many people and ensuring your prized possession is covered is very important. If you choose to invest in a boat, having boat insurance will help ensure you are mitigating the risks of various forms of loss.

Insurance Could be Required

You should also invest in a boat insurance plan as it could be a requirement for you to do so. If you have taken out a loan to buy the boat, your lender is going to require that you get insurance for it. Further, if you want to use certain marinas or waterways in the area, you may need to carry coverage. 

If you are going to purchase a boat in the Lakewood, CO area, you always need to have the right insurance for it. When you are looking for coverage in this region, it is a great idea to call the team with Colling Insurance Services Inc. When you meet with the team with Colling Insurance Services Inc. you will get to learn more about your options and get into a plan that is ideal for your situation. 

When you are in the Lakewood, CO area, it continues to be important that you have proper personal insurance in place. While getting policies to protect your valuable assets is important, you also need to get coverage to mitigate your liability risk. A great way that this can be done is by getting umbrella insurance. There are various reasons why someone should get this coverage here. 

Those Looking for More Support

A situation in which someone will want to have an umbrella plan is when they want to have more support. Most people are going to have liability coverage that is established through their home or auto plans. While this can cover most claims, there is always a chance that claims could exceed your policy limit. When you get umbrella coverage, you can get protection on top of your existing plans. 

Coverage for More Risks

The use of an umbrella insurance plan is also a good idea as it can give you coverage for different types of risks. While home and auto plans can provide coverage for many situations, there are still many risks that are not covered. With an umbrella plan, you will receive more blanket protection that will cover far more risks. This can offer you peace of mind that you are prepared for the unexpected. 

There are various benefits that will come when you have umbrella insurance. If you want to better protect and shield yourself from liability, it will be helpful to call Colling Insurance Services Inc. to learn more about their umbrella insurance options. The team with Colling Insurance Services Inc. can offer any support that you need to build a plan that will provide ideal protection and help offset your risk of being found liable for someone’s losses. 

Although it is probably not something you think about often, chances are at some point in your future, you may need assistance with your own care. Elderly care is an essential part of health and quality of life for many elderly people. Paying for this type of care is an important consideration. At Colling Insurance Services Inc, we want to help you understand all of the great insurance options you have in Lakewood, CO, and the surrounding areas. Keep reading to learn more about long-term care insurance.

What Is Long-Term Care Insurance?

Long-term care insurance refers to a specialized type of insurance coverage that will provide reimbursement for the expenses of long-term care for the elderly. Long-term care refers to any care you may need to receive as you age. This type of care can be provided in your home, in a nursing facility, or another type of assisted care facility. 

Who Should Consider Long Term Care Insurance?

Long-term care insurance is a smart financial investment for anyone concerned about how they will pay for care in the future. Although long-term care may be very far down the road for you, preparing for this type of service now will remove the stress and financial burden of paying for it in the future. This is a benefit both to you and to your family members who may be in charge of your care in the future. 

If you would like to learn more about long-term care insurance or any of the other insurance products we provide, please contact us at Colling Insurance Services Inc. serving Lakewood, CO and the surrounding areas. 

One of the most important types of coverage you can have is life insurance. While it is not something many people like to think about, unfortunately, death is a reality that can face anyone at any time. Life insurance helps protect your loved ones from hardship if anything happens to you. At Colling Insurance Services Inc., serving Lakewood, CO residents, we understand you want what is appropriate for your loved ones. To make this easier for you, here are some tips to help you when buying life insurance.

Understand The Types of Coverage in the Market

When you are buying life insurance, there are three basic types to choose from. That is term life insurance, whole life insurance, and universal life insurance. This all depends on your financial needs, position, goals, etc. Before deciding what is right for you, request the insurance agent to walk you through each coverage in detail. That way, you know if you are buying the right insurance product.

Evaluate What Your Goals Are

Before buying a policy, analyze what your goals are. People buy life insurance for different reasons. Some want the death benefits to replace their income once they pass away or to be used for funeral expenses. Others only want coverage for a certain period of time, for instance, when their kids are still depending on them or they are paying the mortgage. Look at your goals and then buy a policy that addresses those needs.

Select the Insurance Provider Carefully

A life insurance policy is as good as the insurance company providing it. You are buying a policy because you want to relieve some stress your loved ones will go through after your passing. So choose a reputable company that will not take your loved ones in circles.

At Colling Insurance Services Inc., we are dedicated to providing the right services to our Lakewood, CO residents. If you are looking to buy life insurance, contact us today. We can help you choose the right policy that meets your goals and help protect your loved ones.