Physical locations of businesses face many hazards on a daily basis that require them to have top-notch insurance that will provide coverage. One of the hazards that many people don’t consider is that a vehicle could drive into the building and cause extensive damage.
Impact From A Vehicle
Although an impact from a vehicle is a less frequent occurrence, it still can happen any time of the night or day if the business is located in a first-floor building. If you have a brick and mortar business located on street level, you may need coverage from a vehicle impact to the building at some point. Finding coverage that will protect you from these damages as a result of the crash is critical to prevent financial losses. Work with an insurance agency that can guide you in the right direction to discover policy options that are going to protect you.
Working With A Knowledgeable Agent
Finding the right insurance agency and agents is the key to getting the right type of coverage to protect you from vehicle impacts to your business. If you live in or around the Greeley, CO area, you should check out Maanen insurance Group. We have the knowledge and experience to show you options that will cover you in this type of situation and other less common, but possible scenarios. Our agents will take the time to consider your individual needs and help you get peace of mind.
If you are looking for insurance that will protect your brick and mortar business from a variety of hazards, you should call or stop by Maanen Insurance Group, serving the businesses in and around the Greeley, CO area. Don’t take chances. Get high-quality insurance you can count on when you need it most.
Business owners in Colorado may overlook the importance of comprehensive fleet insurance and opt instead for a primary commercial policy that may not offer the total insurance protection that they need. At Maanen Insurance Group, we are here to serve the commercial insurance needs of the business owners in the greater Greeley, CO area. Whether you own a fleet of semis, limousines, construction vehicles, or food trucks, we can help ensure that you have the insurance coverage that will protect your business interests. In addition to protecting the vehicles themselves, the right policy will also provide coverage in the event of accident or injury.
Comprehensive Commercial Fleet Insurance Provides the Protection Your Business Needs
If you provide your customers with regular delivery services, or your business revolves around transportation, whatever your industry, if you or your employees rely upon company-owned vehicles, comprehensive commercial fleet insurance is a must. Do not let an accident slow you down while you are sidelined during repair or replacement; there are many policy options available that will provide replacement rental vehicles that can keep you on the road. If your employees use their own vehicles for company business, there are policies available that will also cover those cars if an incident should occur on the clock. Construction companies and firms that have a mobile salesforce are just two examples of businesses that may not focus on transportation but still have a significant need for commercial fleet insurance. Now is the perfect time to make sure that your overall commercial coverage includes the protection that your vehicles need.
Is it time to review your vehicle coverage? Contact the team at Maanen Insurance Group today and make sure that your Greeley, CO business has the commercial fleet protection it needs!
Flooding is one of the most prevalent natural disasters. It can happen following a harrowing storm, a broken levee, or an overflowed river. If you ever have to experience a devastating flood in your home, there are a few things you should do afterward. The independent agents at Maanen Insurance Group can help you with flood insurance in Greeley, CO or the surrounding areas.
When Going Back Home
Make sure that it is safe to go back before you enter your home.
Check on your appliances and other electrical items. If they were flooded, you’d need to keep a safe distance and have a qualified electrician come out before you can use them again. If you use a water soaked appliance, you could be shocked or start a fire.
The electrical panel should be dry, if not you’ll need to leave it until an electrician can look at it and make sure it is in working order.
Inspect Your Home
Look for random debris, broken glass, or unsafe furniture. Have it removed to maintain safety.
Be cautious of standing water. Flood waters can contain pollutants or sewage. After you’ve spent days away from your home, you don’t want to come home and get sick. Contact a company that specializes in removing water from homes.
Throw any water-damaged items away.
Check the walls for visible mold or mildew. You’ll need to have it treated by a professional before moving back in.
In Greeley, CO, floods are generally not covered under your homeowner’s insurance policy. You’ll need to have flood insurance even if you don’t live in a floodplain. The experienced agents at Maanen Insurance Group can help you protect your home from a flood by assisting you with flood insurance coverage.
New business owners often hear of the importance of commercial insurance without getting an explanation as to what a policy covers. What exactly is commercial insurance, and why do business owners in Greeley, CO need such plans? Read on to get a quick overview. Talk to a representative from Maanen Insurance Group for further details.
What is commercial insurance?
In short, commercial insurance is assurance coverage for businesses that protect companies against losses related to theft, property damage, and instances of liability. The purpose of a commercial indemnity policy is to keep you in business in the unfortunate instance of the unexpected occurring.
What are the most common types of commercial insurance policies?
Business insurance is more complicated than some may think. There are several spheres in the industry and the various ways in which a policyholder can tailor a plan to fit their needs. The most common forms of commercial insurance are:
- Property Insurance
- Liability Insurance
- Workers’ Compensation Insurance
About property insurance
A property assurance plan pays for losses incurred due to accidents that damage the structure in which you do business. Many policies pay for both real property as well as personal assets when things such as fire or flooding occur.
Some business owners in Greeley, CO operate under the false notion of property insurance covering natural disasters. Such instances of unexpected tragedy require additional coverage outside the standard plan.
Liability and workers’ compensation plans
Liability insurance and workers’ compensation assurance are not one and the same. You should not believe the myth that workers’ compensation, which pays for on-the-job injuries to employees, is not necessary so long as you have a liability insurance plan that covers injuries caused by you to a third party.
Liability assurance is best used in instances where a customer hurts himself due to your negligence. The policy will not work when the injured party is an employee.
It is against the law to have employees without workers’ compensation insurance. Contact Maanen Insurance Group today to learn more about commercial insurance and ensure that you are fully covered.
Your life as a business owner is no easy feat. There is the constant concern about revenue in relation to expenses, and then there is the notion of obtaining commercial insurance, which may feel like a challenge in itself. Maanen Insurance Group can help you find the right policy to fit your business’ needs. For now, check out these four components of an excellent commercial insurance plan.
1. Open perils
Your business is growing by leaps and bounds. You do not want a commercial insurance policy that does not evolve with the company. An open perils statute covers risks that are not implicitly implied when you initiate coverage, which means that you are not left without financial stability simply because a risk is not explicitly stated in your policy documents as with a named perils agreement. The best business indemnity plan in Greeley, CO is one that is open.
2. Coverage for lawsuits
It is only a matter of time before you are sued as a business owner. Regardless of whether or not you are at-fault, you want to make sure that your insurance policy pays for the cost of legal representation as well as ramifications in the instance of you losing the case. It may also be a good idea to select coverage that pays for libel so that you are fully protected against all instances of a legal dispute.
3. Reimbursement for damaged or destroyed buildings
If you own the building out of which your company operates, then you certainly want to ensure that the structure is covered by your commercial insurance plan. Most insurance companies state how much they are willing to pay in the event of the building being severely damaged or destroyed. It is best to pay certain attention to the amount offered to rebuild since such projects typically cost more than the building is worth.
4. Replacement value coverage
Some business owners in Greeley, CO may get excited at the notion of an actual cash value insurance plan. This policy, however, limits the indemnity company to only paying the current market price for items lost or destroyed. It is best that you invest in a replacement value coverage plan that pays for the cost of lost or destroyed items sans depreciation.
Maanen Insurance Group can help you find the commercial insurance policy that best satisfies your company’s needs. Call today for a quote in Colorado, Nebraska, Wyoming, Georgia, or Florida!
As a high-plains, mountainous state far above the sea level, Colorado doesn’t see significant flooding on a regular basis like Florida or Louisiana. But, flooding can happen, as we saw in 2013 when a cold front collided with Southern monsoon air, resulting in heavy rain and flooding taking place all the way from Colorado Springs up to Fort Collins in the North. Because Colorado is so far from the coast, and because flooding tends to result most frequently as a result of these sorts of conditions, it’s hard to pin down high-risk flood areas in Colorado. Although Colorado residents are generally at a lower risk than people in some states, there is a risk. The risk is not distributed evenly throughout the entire state, from Greeley, CO to Boulder, the risk is, while not insignificant, generally much lower in Colorado than in many states.
Of course, this doesn’t mean that flood insurance isn’t important if you want to cover your home in Greeley, CO. When you call Maanen Insurance Group, you’re looking to protect your home against what might happen, not what’s guaranteed to happen. With luck, you might never have to deal with flooding if you live in Colorado, but insurance is about being prepared.
Maanen Insurance Group can connect you with a policy that meets your needs and will protect you no matter what may happen to your home. While flooding isn’t the chief concern for Colorado homeowners in comparison to other risks, it is a risk, and being a homeowner means being prepared for anything that might happen no matter where you live.
Many professionals operate from home and have homeowner’s insurance. However, this doesn’t cover legal suits or negligence charges. Accountants, attorneys, and brokers working from home need commercial liability insurance. Contact your Maanen Insurance Group agent in Greeley, CO to find out whether you need commercial insurance for your home-based business.
When Does Your Home-Based Business Need Commercial Liability?
If you have a business you run from your home or are planning to start one, don’t assume your homeowner’s insurance policy will provide sufficient coverage. A commercial insurance policy can protect your business against liability claims, fraud, theft, vandalism, and employee injuries. Some of the coverage options included are:
- Property and liability insurance
- Workers’ compensation
- Business auto and crime insurance
Liability Coverage for Home Businesses
If a disgruntled client or employee tries to sue you, you can protect your home and other valuable assets with business liability insurance. Homeowners and umbrella policies don’t cover incidents that take place in a home-based business. Instead, get business liability coverage to cover injuries and property damages that result from a business-related activity. This type of policy is a financial buffer that can help you replace lost property or a loss of income.
You can cover your businesses that involve personal services like music lessons, tutoring, consults for weddings, catering, and arts and crafts, among others. Photographers, accountants, lawyers, doctors and real estate agents that operate from their home could benefit from commercial liability insurance.
How Do I Qualify for Commercial Insurance for a Home Business?
Here are just some of the considerations for whether you need liability insurance specific to a home-based business.
- Where do you do business and what’s the building’s primary use?
- Do you own and operate the business?
- How many employees do you have?
- Does your business include home care services?
- Do you display a business sign?
Call your Maanen Insurance Group agent in Greeley, CO to decipher the answers to these questions and to make an appointment for a free consultation and quote.
Commercial insurance isn’t usually a very popular conversation topic. It doesn’t help that most business owners don’t have a lot of extra time to sit down and go through their policy. So it’s no wonder that most small business owners don’t have the coverage they need to sustain their business should something go wrong. It is important to see why you likely fall into this category if you’re a business owner in Greeley, CO.
Limits and Liability
Your policy will set your coverage limits at a certain amount, after which, you’ll be responsible for additional charges. If you’re like many other business owners, you may have chosen either a lower level or a moderate plan because they fit your budget better. But the problem is that expenses tend to amount quickly when it comes to even a single insurance claim. If a customer claims that a slip and fall in your establishment led to chronic back pain for years, there’s a chance that you’ll need to cover their medical bills indefinitely. As you might imagine, this can force you to hit your limits rather quickly. The same goes for property damage. Between inventory and the physical structure of your property, it’s easier than you might think to surpass your limits.
Contact Maanen Insurance Group
Maanen Insurance Group is here to help business owners in Greeley, CO acquire the commercial insurance they need to keep their income alive in even the darkest of times. Too many business owners declare bankruptcy if they can’t cover their bills, and we don’t want to see that happen to you! To learn more about how our policies work, give us a call today. Our friendly staff is ready to answer your questions so you can feel confident and protected no matter what the future has in store for you!
Greeley, CO is mountain country, and when you tell an outsider that flooding is still a concern at these high altitudes, their responses tend to range from surprised to skeptical. But Maanen Insurance Group will be the first to tell you that it’s more likely than you might think. Up in Colorado we may not have the same risk of sea-level flooding as a coastal town does, but when you’re surrounded by lakes and snowy mountain tops and towns situated in valleys, well, we get heavy rains here, too.
In fact, the colder climate in Colorado has contributed to notable floods in the past, such as the 2013 Colorado floods, which resulted directly from a clash between a stalled cold front with a warm monsoon air over Colorado. Weather can be kind of weird. To a layman, the obvious culprits for flooding are busted dams, tidal waves and hurricanes. Colorado has proven time and again that there are a lot more possible causes for a flood than you could count without a spreadsheet.
So the short answer to the question of "how likely is a flood in Greeley, CO?" is "You’d be surprised.
There’s no way to prevent a flood, of course, and only so much you can do to prepare for one. It’s a good idea to keep some canned food stocked up in your home and make sure you have a plan should you need to evacuate, but most of all, you should give Maanen Insurance Group a call and make sure your home is covered. Without a good policy, a flood can turn you from homeowner to renter in seconds flat.
Every successful business has a story. How they started, where they are, and where they are headed. In all this planning, a disaster could bring everything to a standstill or damage the smooth progress. Maanen Insurance Group is dedicated to mitigating such unforeseen disasters. We understand the risks involved in running a business and want Greeley, CO investors to continue with stories for future generations to appreciate and learn.
Commercial insurance is not only confined to protecting your business from natural catastrophes. It is also designed to safeguard your investment from specific risks such as employee malpractice. In Colorado, most business insurance policies are options while a few are mandatory. The primary types of commercial insurance coverage include general liability, employees’ compensation, and property. Most businesses in the state of Colorado have them in their insurance package.
While running a business, injuries can occur unexpectedly on your premises. If this results in damages or injury to third parties, then insurance can take care of you. If the costs or injury was a result of negligence, then the general liability safeguards your business from lawsuits, fines, and other expenses.
When fires and other disasters strike your business, it results in a substantial amount of losses to both the building structure and the items inside. This is where property insurance becomes vital. It protects your business building, inventory, and exterior landscape. Moreover, the coverage can also include breakage and theft.
In your business, you have employees who depend on wages. In case of injuries or sickness, the worker’s or employees’ compensation compensate them for the lost salaries. The coverage ensures that you don’t suffer losses from disaster since the Maanen Insurance Group compensates wages.
There are many other commercial insurance options available. We take pride in serving Greeley, CO business community. Please contact us for more information. Our agents can provide you with a quote and answer your questions.