It’s important if you go boating that you prepare in advance. You don’t want to leave the land without having everything you need in case of an emergency. Premier Group Insurance, serving Lakewood, CO, and the surrounding area, can help. 

Spare Clothes 

You don’t know if it’s going to rain, you’re going to fall in the mud, or you’re going to get stuck out on the water. You need to have a spare outfit just in case. Even if it’s supposed to be relatively warm all day, you may want to bring a hoodie. 

Sunscreen

You don’t want to get a sunburn while you’re out on the water. Not only is the sun damaging to your skin, but you also don’t want to be in pain while you’re on the water, nor do you want to feel sick when you get home. You may want to wear a hat to protect your head. 

Phone or Radio 

If you’re not sure that your cell phone is going to work properly, you may want to bring a two-way radio to seek out assistance in the event of an emergency. 

First Aid Kit 

You might get a fishing hook in your finger or experience a bee sting. No matter what incident occurs, you want to be able to handle it effectively while you’re out on the water. 

PFD

In case your boat should go down, you want to have at least one personal floatation device aboard per person you have on your boat. 

Boat Registration and Insurance 

You never know when something will happen on the water. You want to keep your registration and boater’s insurance on board with you while you’re on the water, just in case.  

Get a quote for a boater’s insurance policy with Premier Group Insurance, serving Lakewood, CO, and the surrounding area, by calling our office.

 

If you are a person who loves art and has a significant amount of artwork with a high value located within your residence, you may be wondering if you need more than home insurance to give you the protection you need for your investment. What happens if you can’t get the right amount of coverage for your collection?

Covering Valuables

In an instance where a homeowner has an art or jewelry collection with significant value, they may not be able to get complete coverage with their home insurance. In these circumstances, a person can choose to purchase umbrella insurance. It will offer coverage for items which have a value above and beyond the value of the home insurance you carry. For more information about the terms and conditions of umbrella insurance, consult an experienced agent. 

Finding An Experienced Provider

Experience can be the key to obtaining the coverage for your art or jewelry collections that you need to be secure. In the event of damage, fire, or theft, your umbrella coverage should give you the security you need to prevent loss. Work with an insurance provider and agents who know how to give you good advice and guidance through the purchasing process. Residents of the Lakewood, CO area can trust Premier Group Insurance for top-notch support while securing insurance coverage for a variety of situations.

If you live around Lakewood, CO, you should contact Premier Group Insurance for details about coverage that protects your investments and helps you avoid gaps. Call or stop by the office for more information and to speak with an agent who can get you started with the process. 

You may think just because you have a homeowner’s insurance policy that you have nothing to worry about besides paying your deductible, no matter what happens to your home. However, this isn’t the case. Flood insurance from Premier Group Insurance, serving Lakewood, CO, and the surrounding area, is a separate policy you should consider getting for an emergency that your home policy will not cover. 

About Your Homeowner’s Policy

Your homeowner’s insurance isn’t already equipped with flood insurance. It’s mainly for fires as well as certain natural disasters and liability but not flooding.  

Protecting Your Investment

Imagine what would happen if rain began pouring down and flooded your neighborhood. Could you afford to pay to repair the damage to all the potential areas of your home where the water could cause damage out of pocket? More than likely, you couldn’t afford to come up with that much money on the spot if something should happen. With flood insurance, you don’t have to worry if water damages your home because you can claim it on your insurance. 

If a natural disaster isn’t declared by the President, you could find yourself having difficulty obtaining a loan or getting any assistance. Therefore, if it just starts flooding in a small area of Kansas, you might not have access to all the help you could possibly need in the event of a flood. 

Investing a small amount of funding into flood insurance could be the difference between being able to live in your home and not having anything left. Ultimately, you may think you’re saving money by avoiding it, but this isn’t always the case. You can only hope you’re never affected by a flood. 

Contact Premier Group Insurance, serving Lakewood, CO, and the nearby region, to discuss getting flood insurance today by calling us at 303-238-5851 or 720-458-9595. 

 

When choosing a beneficiary for your life insurance policy, take time to consider all your options. Your beneficiary will receive the benefits of your policy after your demise. This person may be different for every policyholder depending on their personal circumstances.

Who can be a beneficiary on your life insurance?

Spouse and Children

If you’re married, you may want your beneficiary to be your spouse or children so they will have financial security after you’re gone. Life insurance benefits can be used to pay monthly bills, provide for your kids’ education, or pay off the mortgage of your Lakewood, CO home. Couples without children can provide for their remaining spouse to help him or her financially once the other is gone.

Singles

Singles have various options for a beneficiary, ranging from parents to siblings to a favorite charity. If your parents co-signed on your student loan, naming them as a beneficiary will enable them to pay off your debt once you’re gone. If you’re providing financially for your parents or younger siblings, life insurance benefits can continue to help them after you’re gone. Your parents can also use part of the benefits to pay for your funeral costs, so they don’t have to be burdened with this expense.

If you helped start a business with a colleague or friend, you might want to name your business partner as your beneficiary to help cover your share of the costs after you’re gone. This will enable your partner to continue the business even though you are no longer there.

At Premier Group Insurance, we can offer valuable counsel in selecting a beneficiary or beneficiaries for your life insurance policy. To learn more about life insurance options and costs, contact us at Premier Group Insurance in Lakewood, CO.

Every business is predisposed to different types of risks including natural disasters and accidents. It is vital for every business owner in Ft. Collins and Lakewood, CO to carry the right commercial insurance coverage from Premier Group Insurance to protect their business against catastrophic events or lawsuits. In fact, such events can wipe out a startup before it even gets off the ground. Here are some of the most crucial commercial insurance options you should have in place.

Property insurance

The property insurance coverage option is very important regardless of whether you own the business premises or are renting. The coverage will protect your furniture, signage, inventory, and all business equipment against events or disasters such as fires or theft. However, if you need to protect your business against mass-destruction events such as earthquakes or floods, you need to purchase a separate policy. Discuss with one of our agents for more details on how to get these separate policies. It is also advisable to have a vehicle insurance policy for your business’ vehicles.

Professional liability insurance

Also referred to as Errors and Omissions (E&O) coverage, Professional liability insurance is meant to protect your company against negligence assertions that may result from failures or mistakes. The policy has different variables and is not a one-size-fits-all package for every business. Therefore, you should evaluate your business or industry’s specific needs before purchasing this policy.

Workers’ compensation insurance

The law requires that employers should carry a worker’s compensation policy. The policy covers disability, medical bills, and death benefits in case an employee gets injured or dies while at the workplace or executing work-related tasks. Even if your employees perform low-risk tasks, certain medical conditions like carpal tunnels syndrome can lead to pricey claims.

Home-based businesses

Starting your startup at home in Lakewood, CO is possible. However, your home insurance policy will not protect your home-based business the way a commercial property policy will. Therefore, discuss with your insurer on how to ensure that your home-based business’s inventory or equipment is fully protected with a home-based business commercial insurance coverage option.

Are you a business owner? Do you want to learn more about how to protect your business?  You can contact our knowledgeable Premier Group Insurance commercial insurance specialists for more information and guidelines on how to get started.

Taking a trip across the country in your vehicle is a great way to see all that the country has to offer. One great way to do this is to do it in your very own motorhome. If you have a motorhome, making sure that it is properly covered by insurance is a necessity. There are several reasons why you should have a full motorhome insurance policy at all times.

Gives You Liability Protection

One of the main reasons why you should have a motorhome insurance policy at all times is because it will give you the liability protection that you need. Those that are in the Lakewood, CO area that have a motorhome will need to abide by the same minimum liability insurance requirements that are required by the state of Colorado. This coverage will provide you with some liability protection in the event you are found to be at fault in an accident.

Personal Belongings Protection

Another reason why you should have insurance in your motorhome is that it will provide you with protection for your personal belongings. A motorhome is more than a vehicle because it can also be a primary form of residence. Along with this, you may also keep many of your personal items in the motorhome at all times. 

When you have a motorhome insurance policy in place, you can be assured that your motorhome and your personal belongings will be protected. A full motorhome insurance policy will provide you with protection against vandalism, theft, and other types of damages or losses.

For those that are in the Lakewood, CO area, meeting with Premier Group Insurance to discuss their insurance needs will be beneficial. Premier Group Insurance will be able to explain to you all of the benefits of having a quality motorhome insurance policy in place. 

Even if you own an RV, you may not be using it at all times during the year. Just because you do not use it all the time does not mean that you should not always have RV insurance coverage on it. If you are wondering why you should have this coverage, be sure to take a look at these reasons from Premier Group Insurance, serving Ft. Collins and the Lakewood, CO area.

• You don’t always know when you will have to drive the RV – Surprise incidents could arise that make you have to drive or move your RV from one location to another. If an accident were to occur, you could face stiff penalties and high costs. It could also be a hassle to try to get insurance at the last minute.
• You want coverage for any damage – Damage can happen at any time to your RV, but if you do not have coverage, you will have to pay for it out of pocket. You also never know when this will happen, so you want to have coverage year round. This pertains not only to damage from the environment but also if someone steals or vandalizes it. 

As you can see, it is important to make sure you always have the coverage you need on your RV, even if you are not using it at all times. If you are living and traveling in your RV, then it makes sense to always have the coverage, but you should also have it even if you aren’t.

If you are looking at getting RV insurance, be sure to give us a call here at Premier Group Insurance, serving the Ft. Collins and Lakewood, CO area. We can get you a free quote and will walk you through the insurance process. Reach out to our offices to have your questions answered.