Any business needs to be protected appropriately. As a small business owner, you should know that your business requires the right insurance coverage to safeguard it against financial losses that may happen. Therefore, having an umbrella insurance policy is a necessity for every small business. Umbrella Insurance policy not only covers your assets and business from personal liability but also works as an alternative to an individual’s coverage such as auto insurance.

 It offers the much-needed extra protection to your business in case your standard liability policy limit is exceeded. Colling Insurance Services Inc. provides comprehensive umbrella insurance policy for small businesses in Lakewood, CO. Here are three reasons why you should have comprehensive umbrella insurance for your small business.

Pays for Losses In case of a Lawsuit

When your small business is facing a lawsuit, then an Umbrella insurance policy can help to protect your small business whenever the losses exceed your protection limit under your standard business liability policy. It also covers the bodily injuries caused to any individual on your business premises or as a result of your business operations and processes.

Protects Your Assets

Without umbrella insurance policy, you will be responsible when your normal liability insurance limit is exceeded. You may end up selling your business assets and personal belongings to cover for liability if your business lacks a commercial umbrella policy. As a business owner, that is something you cannot afford to do. Therefore, the only way of safeguarding your business assets is by purchasing a comprehensive commercial umbrella policy that will come into play when your liability limit on the standard business insurance is exceeded.

Covers Your Business Vehicle with Additional Liability

Typically, commercial umbrella insurance will provide financial protection where your general business liability insurance cant. For instance, your standard commercial insurance policy may feature limitations on who can drive your business vehicle and where the car can be driven. If your business vehicle is operated outside the limitations of the policy and is involved in an accident, your provider won’t cover the expenses. This is where your commercial umbrella policy comes in to help you.

Are you a business owner in Lakewood, CO? Contact Colling Insurance Services Inc. for a commercial umbrella policy.

The best and easiest way to maintain a healthy and beautiful smile for life is by getting dental insurance coverage. However, unlike a visit to the dentist, deciding on what dental policy to take can be challenging. Colling Insurance Services, Inc. ensures that Lakewood, CO residents get sufficient dental coverage by listening to their needs and providing useful information. Before settling for dental insurance coverage, here is what you need to consider:

What is catered for?

Before getting dental coverage, it is advisable to read the fine print and understand what is provided and what is not. Dental policies, unlike other insurance policies, have a wait time before they can cater for major dental services such as crowns and root canals. As you decide on particular coverage, understand how much time it will take.  Most policies provide basic services such as cleaning, X-rays and preventive exams, but it is wise to know whether the policy goes beyond to cater for cosmetic dental services. With such information, you are in a position to make a sound decision based on your dental requirements.

Deductible and co-pay amount

Since no dental coverage caters for all dental service, you will be required to dig in your pocket when you visit a dentist for certain services such as tooth extraction and fillings. As such, it is advisable to understand the limits of each and settle for one that is reasonable given your dental service requirements and that of your family.

Preferred dentist

If you already have a preferred dentist, determine whether they accept coverage you are about to get. Also, determine if the policy allows you to choose your dentist.  This will save the time of searching for a new dentist, and if you have not settled for one, get the one who falls under your insurance network in Lakewood, CO.

If you need more information on dental insurance, contact or visit Colling Insurance Services, Inc. in Lakewood, CO. we have qualified and experienced insurance experts who will answer any of your questions. Visit our site and get started with dental insurance suitable for your needs.

It is Colorado state law that all employers that have one or more employees must provide worker’s compensation insurance. There are a few exceptions to this rule, which may include a sole proprietor with no employees, a general working partner, a corporate officer, and a member of a limited liability company. Check with your insurance agent if you have questions in this regard.

The quality of this coverage and the agency that provides it may differ substantially. Colling Insurance Services, Inc. serving Lakewood, CO and the surrounding area offers worker’s compensation insurance coverage for businesses of all sizes.

If an employee suffers an accident and is injured while on the job, then worker’s compensation insurance coverage will help with the medical bills and wage replacement for the time off needed for recovery. If an employee is killed while on the job then a death benefit is payable to their family. Coverage limits, procedures, and rules are set by state law; however, you do want to work with an insurance agency that understands the filing process and is very familiar with processing worker’s compensation insurance claims.

The Colorado Division of Worker’s Compensation is organized under the Colorado Department of Labor and Employment. The division advises business owners to read worker’s compensation policies and disclosures carefully, identify the services provided by the insurance company, consider a deductible, and maintain a good loss history by having a safe working environment.

The Colorado Division of Worker’s Compensation enforces the worker’s compensation laws and resolves disputes between an employer and an employee over worker’s compensation claims. The division also has an appeals board that handles disputes between an employer and an insurance company that provides worker’s compensation insurance coverage.

Contact Colling Insurance Services, Inc. serving the Lakewood, CO area, for all your worker’s compensation insurance needs.

People in the vicinity of Lakewood, CO view the task of changing a motorcycle’s oil from all angles. Some enjoy connecting with their ride and getting dirty. While others  panic at the thought of holding a wrench and becoming a greasy, oily mess.

The anxiety generated by those dreading this necessary maintenance task directly conflicts with a fundamental reason for Riding a Cycle: It Relieves Stress.  And if you love driving the terrain of the communities surrounding Lakewood, CO, contact Colling Insurance Services Inc. to meet all of your insurance needs.

Familiarize yourself with your motorcycle by:

Reading and Researching

Have you ever heard the old adage that ‘If one can read, one can cook? This exact sentiment holds true for a variety of issues we encounter throughout our daily lives, and, as such, this includes the art of changing a motorcycle’s oil.

The owner’s manual describes this information using broad strokes, but it is a great starting point. Here is where you find the basic specifications regarding your motorcycle. To find a more in-depth analysis, check out the Workshop Manual issued by the bike’s manufacturer. If you prefer to talk to an insurance expert, contact the professionals at Colling Insurance Services Inc.

Be organized

Start your own maintenance log. Be smart and record the bike’s specs you found from the workshop manual, so they are easily accessible. Also include:

• The Date
• The Type and Quantity of Oil
• Notes you want to remember for the next oil change  

Use the right tools

Be flexible

As with anything new, it make take some time to acclimate yourself to the nuances of your bike. Be patient and ask for help.

Allot for Time Appropriately

Give yourself ample time any unforeseen snafus or interruptions.

Your RV (recreational vehicle) provides you with safe travels and fun times as you explore both new and familiar places. Make sure you protect your investment by adequately insuring your RV. You do that with your RV insurance policy, which applies to vehicles like motor homes, travel trailers and fifth wheels. Here’s what you need to know about this essential type of coverage that is like a mix of automobile insurance and home insurance all rolled into one.

What RV Insurance Covers

As is true for any insurance, RV insurance has specific things it covers. They include:

– Your personal belongings inside the RV, such as if they are stolen
– Any special equipment such as generators and appliances
– Roadside assistance services, such as towing
– Replacement cost of the vehicle if necessary, depending on various issues like the age of the RV
– Liability at a campsite
– Collision and comprehensive for problems like theft, flood and fire
– Protection for accessories that are permanently attached to the RV 
– Accidents such as if a guest slips and falls in the RV

Additional Covered Items

Although that list of what’s covered under RV insurance is long, there are still more items that are popular to add to RV insurance coverage. They include:

– Repair of awnings on sides of the RV
– Coverage of injuries and property damage, which can be included under trip insurance coverage
– Injuries to pet in the RV
– Damage to trailers or golf carts being towed behind the RV

Now that you know about RV insurance and what it covers, it’s time to make sure you have the proper RV insurance coverage. If you need insurance for your RV, we at Colling Insurance Services Inc. serving Lakewood, CO can certainly help. Give us a call today so we can explain the options.

There is nothing as exciting as boating. Imagine the buzz of an outbound fishing line, wind in your hair and feeling the snap of the mainsail. This way, it is no wonder if you wish to have a recreational boating. Where there are boaters, insurers follow.

Purchasing boat insurance has never been easy. This is because boats are somehow an odd duck in the insurance world. You have to put some aspects into in-depth consideration while purchasing boat insurance in Lakewood, CO. Fortunately Colling Insurance Services Inc. is there to provide you with the coverage you need and help you learn more about the insurance requirement of the state. Some of the essential things you need to know about boat insurance include; 

Your homeowner coverage does not include your boat

The only types of watercrafts that are protected under your personal property policy are small boats and canoes. As long as your boat has a motor, it will require a separate coverage. Boat insurance almost resembles auto insurance requirements.

Boat insurance keeps you safe from a variety of disasters

There are numerous catastrophes that you are likely to encounter while riding or relaxing on your boat and boat coverage protects you in cases such as storms, theft, sinking, explosion, capsizing, and collision.

It is vital to have physical damage coverage

Both are an expensive investment due to their expensive equipment. This policy protects you from losses regarding trailer, equipment, motor or any other boat-related parts.

Taking your time to review your specific insurance needs will help you shop for the best policy. Learn more about the coverage before rushing to buying one since every policy is designed to suit a specific need. To learn more about boat insurance in Lakewood, CO, contact Colling insurance services Inc. and let us answer any questions you may have concerning boat insurance and assist you to make the right purchase.

While most people have some form of insurance coverage on either home or car, it may not always provide them with enough insurance coverage. For Lakewood, CO residents that need additional insurance coverage, one great option would be to get umbrella insurance that provides you with additional personal liability coverage. There are several situations in which you could need insurance coverage.

You Have Significant Personal Assets

One incident in which you could use additional umbrella insurance coverage is if you have significant personal assets. Liability insurance on your home or auto policy will have a limitation that could be well below your personal net worth. This means that if you are found liable and are sued, you could risk losing some of your personal assets as well. To help cover yourself, having an umbrella policy that goes beyond your home and auto policy would be beneficial. 

More Potential for Liability

Another situation in which you should have an umbrella policy is if you have more potential for personal liability.  If you run a business, own real estate, or have another operation that poses more personal liability than the norm, having additional coverage could be very beneficial. An umbrella liability insurance policy should be able to provide you with coverage for all potential risks. 

In conclusion, if you feel that you are in need of more personal liability insurance coverage, a great option would be to get an umbrella insurance policy. When you are looking for a new umbrella insurance policy, a great option would be to reach out to Colling Insurance Services, Inc. Colling Insurance Services, Inc. is a leading insurance company serving Lakewood, CO and other areas that can provide you with a range of services. They will help you determine what level of umbrella insurance you need and provide you with a quote for a policy that provides adequate coverage. 

Most of us understand that health insurance helps cover our most common physical health concerns. But did you know that your insurance could assist with so much more? At Colling Insurance Services Inc., we’re dedicated to providing our Lakewood, CO customers with the most up-to-date information about all your insurance coverage needs. That’s why we’ve assembled this fascinating list of surprising health insurance benefits!

Psychiatric Coverage

Not many people know that health insurance isn’t just for physical health concerns. It can also provide coverage and assistance for mental health services! Most plans provide for certain categories of treatment, such as psychiatric counseling and prescriptions. Substance abuse treatment and rehabilitation may also be covered. Some even help out with in-patient hospitalization or at-home therapy services!

Smoking Cessation Assistance

Smoking is incredibly damaging to your health, so it makes perfect sense why insurance providers want to help you quit for good! As part of their preventative services, most insurance plans provide coverage to help you quit smoking. These services include counseling sessions and FDA-approved medications by prescription.

Obesity Treatments

A national crisis, obesity is a leading cause of health-related problems and death in the US. States across the country have stepped up their effort to combat this deadly epidemic, and so too have most insurance providers. Your health insurance could have coverage for preventative screenings, assessments, and even obesity treatments such as diet counseling, weight management services, or even medical procedures.

These are just some of the surprising benefits hidden within health insurance. If you’re a resident of Lakewood, CO searching for the right insurance, let our agents at Colling Insurance Services Inc. help you discover the right policy for your personal needs!

Colling Insurance Services Inc. serving Lakewood, CO helps individuals and families get the health care they need. There have been several changes in health care plans in the last several years, leading to different kinds of choices. Employers are required to offer insurance more than before, but they are not required to offer dental or vision policies except for pediatric policies. If they do offer dental or vision packages, they can offer any plan they find suitable, and require employees to buy the health insurance and treat the dental or vision insurance as an add-on.

Fortunately, Many Stand-Alone Plans are Available

Maintaining current dental and vision plans and making use of them helps keep you healthy. Luckily, you currently have several choices as to which dental and vision plan you can choose. If you cannot obtain a dental or vision package with your health insurance package, for whatever reason, you can choose a policy that is separate, even from a completely separate carrier.

Two Types of Dental Plans

Traditional insurance plans have the insured pay a monthly premium with a possible deductible and copayments. An HMO plan will tell you which providers are in your network, a PPO will give you more freedom, and an indemnity plan will repay you after you receive services.

The alternative plan lets you pay a monthly or yearly fee, but then instead of specific benefits you are eligible to receive certain discounts. 

Vision Insurance

People with vision insurance tend to use it. Regular eye exams don’t just monitor your ability to see close or far away; they look for other health problems like high blood pressure, diabetes and brain tumors.

If you are need help finding a plan, call Colling Insurance Services Inc. serving Lakewood, CO today.