Commercial Insurance for Every Type of Business

All businesses grapple with unique challenges, irrespective of the industries they operate in. Whether your business is centered around high-risk activities like underwater welding or it’s a relatively low-risk operation such as a customer service center, commercial insurance can significantly make a difference. This truth is why businesses across the scenic Greeley, CO region depend on the professional and trustworthy agents at Maanen Insurance Group.

Bespoke Protection for Various Business Types

While commercial insurance is a requisite for specific business types due to the risk posed by their operations, others need it primarily to safeguard themselves from claims and non-high-risk liabilities. This fact stresses the importance of securing the correct tailor-made insurance for your company’s requirements, where professional agent insights and industry experience play a decisive role.

Aside from mitigating risks ranging from industry-specific to those beyond, commercial insurance can significantly enhance a company’s reputation. Several clients perceive businesses with comprehensive insurance as trusted partners, which uplifts the company’s image.

Securing the proper insurance makes good business sense regardless of your business type or industry. Commercial insurance mitigates repair costs from accidental damage and guards your company against claims and other liabilities.

Tailored Commercial Insurance Solutions

If you are a business owner based in the broader Greeley, CO locale and have unanswered queries about commercial insurance solutions and decisions, the competent and friendly team at Maanen Insurance Group is here for you. Contact us today to acquire more knowledge and safeguard your business with commercial insurance solutions specifically crafted to suit your business and its requirements.

Commercial Insurance Considerations for Businesses with a Fleet of Vehicles

Commercial Insurance: A Must-Have for Businesses Relying on Vehicle Fleets in Greeley, CO

Operating a business that depends on a fleet of vehicles necessitates the right commercial insurance coverage. The vehicles might range from delivery trucks to service cars. Fleet insurance involves several unique aspects that ensure absolute protection.

Essential Coverage for a Vehicle Fleet

Businesses employing a fleet of vehicles commonly need varied insurance coverages to protect their staff and assets effectively. Such coverages incorporate:

  • Commercial Auto Insurance: This offers coverage for vehicles utilized for business-related activities, including liability for property damage or bodily injury and coverage for comprehensive and collision vehicle damage.
  • Cargo Insurance: Defends the products and goods transported by the fleet vehicles against theft, loss, or damage during transit.
  • Uninsured/Underinsured Motorist Coverage: Gives protection if a fleet vehicle is involved in an accident with a faulted driver who is uninsured or underinsured.
  • General Liability Insurance: This includes coverage for third-party property damage or bodily injury claims from operating your fleet vehicles.
  • Workers’ Compensation Insurance: Takes care of lost wages and medical expenses for employees injured while performing tasks related to the job or driving company vehicles.

Selecting Coverage Limits: Key Considerations

When picking commercial insurance coverage for a fleet of vehicles, businesses need to ponder their potential liabilities and specific needs. Factors like the size of the fleet, types of vehicles, and nature of business operations influence deductibles.

Adaptability and Customization of Policies

Many insurance providers offer policies that can be customized, enabling businesses to adjust coverages as per their specific needs. As their fleet evolves, businesses can add or remove coverages and alter coverage limits to suit changes in regulations or operations.

Maanen Insurance Group: Your Guide for Commercial Insurance

We at Maanen Insurance Group are equipped to answer all your queries regarding commercial insurance. We cater to the Greeley, CO area. Chat with us today.

How to Increase the Chances of Your Homeowners Insurance Claim Being Approved

The necessity to file a homeowners insurance claim can be a stressful one, regardless of your reason for filing. Ensuring your claim is submitted and approved quickly can alleviate some of your stress. However, there is no way to guarantee that your claim will be approved because it’s at the discretion of your insurance company to approve or deny it. Even though you can’t guarantee your claim will be approved, there are ways to increase your chances of approval. Here are some tips for increasing your chances of having your homeowner’s insurance claim approved:

Be as Thorough as Possible

The more thorough you are when submitting your claim, the more likely your insurance agency will process and approve it quickly. What does being thorough entail? Providing details of what happened, along with any proof. Answering all questions thoroughly, documenting the incident carefully, taking clear photographs, and more. 

Being Responsive and Cooperative

Once you have submitted your claim, your adjuster may need to ask you questions. The more responsive and cooperative you are, the quicker your claim can be completed and approved. Insurance agencies don’t want to waste unnecessary time on claims but must perform thorough investigations. Part of their investigation includes interviewing you, which is why your responsiveness and cooperation can be helpful.

So, if you’re a Greeley, CO resident searching for a new insurance provider, you might want to consider us at Maanen Insurance Group. We here at Maanen Insurance Group have been providing top-notch customer service and policies to our customers for years, and we’re ready to provide the same for you. We provide coverage for Greeley Co, in addition to other areas. Give us a call today for a quote. 

Does Your Fleet of Commercial Vehicles Have Adequate Protection?

The Maanen Insurance Group is here to help businesses in the Greeley, CO area protect their commercial fleet. When your company relies on commercial vehicles to get the job done, you want to ensure they’re protected. When your fleet is out of commission, your bottom line can suffer. Let us help you protect your commercial vehicles today.

Don’t Forget to Protect Your Commercial Vehicles

When vehicles in your commercial fleet are in the shop or otherwise out of commission, you want them back on the road as soon as possible. That’s why having the appropriate insurance in place is so important. Our team is here to sit down with you today to review your commercial insurance needs and review your current policies.

Fleet coverage can vary from company to company, and having an adequate amount of protection is important. No matter the type of commercial vehicles you use or the size of your fleet, we can help you with your insurance policies. Our knowledgeable agents can help you make an informed decision when selecting a comprehensive policy to protect your business.

We understand how much hard work and dedication goes into operating a successful business, and we want to help you ensure that you are protected, no matter what the future holds. 

Contact Our Team Today

If you’re a business owner or operator located in Greeley, CO, and the nearby communities, it’s time to get to know the team at the Maanen Insurance Group. We’re here to help you protect your business today and well into the future. Contact our office today to schedule your appointment.

We look forward to working with you!

Three Myths About Colorado Flood Insurance

There are many misconceptions about flood insurance and what it covers. While many homeowners understand that the National Flood Insurance Program (NFIP) handles this coverage in most areas, you may wonder where to get it. If you want to know more about flood insurance in Greeley, CO, turn to the helpful team at Maanen Insurance Group. We’ve compiled the three most common myths about flood insurance in the Rocky Mountain state to get you started. 

Myth #1: You Can Only Get Flood Insurance if You Live in a Floodplain

If you live in a floodplain, your mortgage lender will probably require you to purchase flood insurance. Fortunately, Greeley is a member of the National Flood Insurance Program (NFIP), meaning anyone living here can seek coverage through the organization. Keep in mind that it takes up to 30 days for coverage to kick in.

Myth #2: Homeowners Insurance Covers Flood Damage

In most cases, homeowners insurance won’t cover flood damage. Instead, you need a flood insurance policy that you can purchase separately. Speak with your agent to find the right coverage for your home or business. Because of a potential coverage delay, purchasing flood insurance as soon as you buy your home is a good idea.

Myth #3: If Your Property Has Previously Flooded, You Can’t Get Insurance

You can protect your business, apartment, or home against future flood damage, even if it has previously been damaged. Greeley, CO, and other member communities offer residents access to the National Flood Insurance Program (NFIP), so they don’t have to stress about potential damage from natural flooding or other events. 

You can’t always rely on FEMA to reimburse you, even if the government declares a national emergency. Contact the agents at Maanen Insurance Group to learn more about flood insurance coverage in Greeley, CO. 

Navigate Colorado’s Rocky Roads with Auto Insurance

While many Colorado drivers understand that having minimum liability auto insurance is mandatory and a legal requirement for all drivers in the state, not everyone understands what having other forms of car insurance does for drivers. 

Navigate Colorado’s Rocky Roads with Auto Insurance

Navigating the winding mountain roads gives Colorado drivers a unique perspective as this rock-filled terrain presents its own set of challenges. Protecting your automobile with insurance is one of the best ways to shield your auto investments from financial loss if your car is in an accident. 

Colorado auto insurance can also protect drivers against unpredictable weather that can wreak havoc on local roads, causing winter pileups and ice-related car accidents. 

Auto Insurance with Comprehensive Coverage Offers Non-Collision and Collision Related Protections

Driving on rugged mountain terrain means that Colorado drivers may find themselves coming into contact with steep inclines and curves that lead to major or minor accidents. 

Collisions with deer, elk, or bears also concern Colorado drivers. Having adequate comprehensive collision insurance can help shield drivers from financial loss.

Friendly Insurance Agents Can Help You Choose the Right Policy in Greeley, CO

Knowledgeable and friendly insurance agents at Maanen Insurance Group in Greeley, CO can talk to you and your family about the best options for getting auto insurance based on your circumstances and driving history. 

Agents can explain the differences in common insurance types, which include liability, collision, and comprehensive collision coverage. You can also get a free quote to see what your options are based on your personal circumstances, budget, and your driving history. 

Please don’t wait until it’s too late to protect your wallet from an auto accident. Talk to the auto insurance experts at Maanen Insurance Group and get a quote today! 

Tiny Homes, Big Coverage: What You Need to Know About Insuring Tiny Homes

Tiny homes have become a big trend in recent years, offering a minimalist lifestyle with maximum efficiency. These pint-sized dwellings are not only environmentally friendly but also budget-friendly. However, when it comes to insuring your tiny home, Maanen Insurance Group, serving Greeley, CO, wants to inform you about a few key considerations to remember.

Choosing the Right Coverage

Insurance for tiny homes is different from traditional homeowners’ insurance. While it covers many of the same perils, such as fire and theft, it’s tailored to the unique needs of tiny house owners. Make sure to select a policy that covers your tiny home’s specific features and your personal property inside.

Factors Affecting Premiums

Several factors can impact your tiny home insurance premiums. These include the location of your small home, its size, the materials used in construction, and your personal insurance history. Be prepared to provide detailed information about your tiny house for an accurate quote.

Customization and Add-Ons

Just like traditional homeowners, tiny house owners can customize their insurance policies. Consider adding coverage for solar panels, appliances, or other valuable additions to your tiny home. Working with an insurance provider who understands the unique aspects of tiny homes and can tailor coverage to your needs is essential.

Insuring your tiny home is critical in protecting your investment and ensuring peace of mind. By choosing the right coverage, understanding the factors affecting premiums, and considering customization options, you can safeguard your tiny home and enjoy all the benefits of this compact, eco-friendly lifestyle. If you want to ensure any sized home in the greater Greeley, CO area, contact Maanen Insurance Group for assistance today. 

Why is Flood Insurance Important?

As a homeowner, there are not too many things worse than watching water enter your basement, crawl space, or house due to flooding. Many homeowners have incorrectly assumed that flooding is included in their regular home insurance policy, but that is not usually the case. Our agents at the Maanen Insurance Group serving the Greeley, CO area want you to know that both flood and earthquake insurance policies can be added to your home insurance policy so that you will be covered if a disaster occurs.

What Does Flood Insurance Cover?

A flood insurance policy will help cover the structure of your home and any of your personal belongings, appliances, electronics, furniture, and other items affected by a flood. Since more flooding occurs throughout the United States each year, it is better to be safe than sorry and have a flood insurance policy in place, even if you do not live in a flood-prone area.

Your house is probably one of the most significant investments of money, time, and energy you will ever make, so you will want to ensure that it is adequately covered for all different types of situations, including flooding.

Flood insurance policies are designed to cover up to a certain amount of the value of your property. This comes in handy if a flood, hurricane, or other weather event happens and causes flooding in your house.

Contact Maanen Insurance Group

To create the best flood insurance policy for you and your home, contact our agents at the Maanen Insurance Group serving the Greeley, CO area today and get the peace of mind you deserve.

Why your home business needs commercial insurance

Home businesses have become increasingly popular for many reasons, and it has raised some very valid concerns about whether or not a home business needs to have commercial insurance. At Maanen Insurance Group in Greeley, CO, we are always available to discuss any insurance concerns you have. Our team of independent insurance agents can help you make the best decision for your business. 

Commercial property insurance

While you own the physical building and have home insurance, you still need to consider commercial property insurance to cover the things you use to conduct business. Home insurance will cover the walls, but your business will not get the coverage it requires. If you want to get into operation quickly, having commercial property insurance is vital.

Commercial liability insurance

Home insurance has liability coverage that protects you from injuries to guests in your home. That coverage does not extend to people who visit to do business. Insurance won’t cover their injuries if you provide services or goods at home and clients or customers visit your home. You need to have commercial liability insurance to protect yourself. 

Commercial auto insurance

If you have a personal auto that you are using for business, whether it is visiting customers or clients or delivering goods, you may be shocked to find out that your traditional auto policy does not cover business use. You need a commercial policy to get the coverage you need to protect yourself and your vehicle. 

Contact Maanen Insurance Group in Greeley, CO, when you are in the market for commercial insurance or have concerns about your coverage. Give our office a call to get the assistance you require. 

Things that aren’t covered by home insurance

Home insurance offers you the protection you need to sleep at night. Buying a home is probably the largest purchase you will ever make in your life. It makes sense to ensure you have enough coverage and the right kind of coverage to protect that investment. At Maanen Insurance Group in Greeley, CO, our team has the knowledge and experience you need to get the right policy for your needs.

Earth movement

Earth movement is not just one thing. It means earthquakes, sinkholes, mudslides, and landslides. All of these are excluded from a traditional home insurance policy. If you live in an area where any of those pose a risk, you can purchase the additional coverage to give you the protection you need. 


Floods are one of the most costly and damaging of natural disasters. They can happen almost anywhere. Unfortunately, floods are not covered by traditional home insurance. Flood insurance is provided by the NFIP (National Flood Insurance Program). It can be purchased in two parts, one for the structure and one for the content. 

Owner neglect

Maintaining your home is something that the insurance company expects you to do, and they will not pay for any damage that results from your not keeping things in good shape. They will also not pay for the results of wear and tear. If your roof is old and leaks, it will not be covered. If your home gets termites, they will not be covered; you are expected to get treatment before they cause damage. 

Sewer backup

A sewer backup is one of the most disgusting things that can happen to your home. Even more disturbing is the fact your home policy doesn’t cover it. 

Contact us at Maanen Insurance Group in Greeley, CO for all your home insurance needs.