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CAM: Community Association Managers Fidelity Bond Insurance Information for Colorado

Are you a property manager in Colorado dealing with CAM compliance? Colorado requires an examination and E&O insurance proof, but many managers miss that DORA (Department of Regulatory Agencies) also requires fidelity bond coverage. Article D-10 from the Colorado Secretary of State establishes the following requirements for Community Association Managers: Every Active Licensed CAM company […]

Need Insurance on a hard to place Mountain Home or Log Cabin?

Need Insurance on a hard to place Mountain Home or Log Cabin? Need Insurance on a hard to place Mountain Home or Log Cabin? All Access Insurance can insure you’re hard to place residence. Weather you have a home that is far from a fire station, a log cabin or mountain home give us a […]

Cannabis and Hemp Insurance Quotes Today in all legalized states

Cannabis and Hemp Insurance Quotes Today in all legalized states Do you have the correct liability insurance? Is your crop insured? Imagine this scenario: A customer walks into your dispensary and purchases an edible product. Later that evening, they have an adverse reaction and end up in the emergency room. The next thing you know, […]

Having Trouble Insuring Your Building Due to Marijuana Dispensaries or Grow Houses?

Nearly all insurers are canceling policies for building owners who have marijuana dispensaries or grow operations as tenants. However, United States Liability Insurance (USLI) and Berkshire Hathaway both have programs that provide coverage for these building owners. USLI offers both monoline liability and property coverage options with flexible tenant arrangements. Buildings don’t need 100% occupancy, […]

What is the difference between Professional Liability and General Liability?

If you are small business owner and you work with clients in a contractual way, you should consider Professional Liability. Accident reconstructionist Accountant Advertising agency Agricultural consultant Answering service Appraiser (non-real estate) Archaeological consultant Arborist Audio/Visual consultant Audit service (non-financial) Background check service Bill payment service Billing service Bookkeeper Caterer Claims adjuster Coaching service Coding […]

Should a Homeowners Association Carry Workers Compensation? Real Scenarios Defined

Should homeowners associations carry workers compensation insurance? It is a question that many board members and property managers overlook – until something goes wrong. A landmark court case, Heiman v. Workers Compensation Appeals Board, provides a compelling answer and a cautionary tale for every HOA. The Scenario: Montana Villas HOA Montana Villas Homeowners Association hired […]

Hartford Insurance Business Owners Liability Policy in Denver Colorado

The Hartford offers a versatile Spectrum Business Owners Policy designed specifically for small businesses in Denver, Colorado. This comprehensive policy provides essential income protection that helps business owners stay afloat when unexpected disasters strike. One of the biggest challenges businesses face after a disaster is not just the physical damage, but the loss of income […]

Avoiding Costly Home Damage This Winter Season By Avoiding Frozen Pipes

Water damage represents one of the leading insurance claims, making frozen pipe prevention essential during the winter months. When temperatures plummet, the water inside your pipes can freeze, expand, and cause pipes to burst — leading to significant and costly damage to your home. Here are six key recommendations to help protect your home from […]

Do You Need Insurance for a Home Based Business? 6 Claims Examples

Operating a home-based business creates daily risks of loss. Whether you sell products online, provide professional services, or run a small shop from your residence, your standard homeowners insurance policy likely provides minimal coverage for business property and no business-related liability protection. United States Liability Insurance offers a Home Based Business Product that covers general […]