Insuring That Your Lafayette, Colorado Business Doesn’t Get Zapped!

They say lightning can strike anywhere. Would your Lafayette, Colorado business be covered if it was hit? Lightning can cause damage in of itself. It can also start a fire that that creates further destruction. A lightning strike can also cause a significant power surge that can quickly destroy much of the electronics and computers in your Lafayette business.

It would seem like a relatively simple task to replace your electronics and computers until you realize what all they may contain. Many of today’s business computers have specialty software. Many are part of a wider network of computers, and the network would have to be set up again. Not to mention the vast amount of information that may be lost. If your business insurance only covers equipment replacement you may get zapped incurring the other related costs.

If you aren’t quite sure of what you are or aren’t covered for, contact us. At 1st American Insurance Agency, we are an independent agency. We can review your business insurance whether you got it from us or not. We can verify your current coverage and show you any potential weaknesses. Because we are an independent agency representing multiple companies, it can mean significant potential savings for you.

Let us demonstrate our services by comparing your homeowners or auto insurance right online from our website. You can get a free, no obligation comparative quote from the convenience of any internet connection. It could be time that is very well spent

If you have a business in the 80026 area, what you don’t know can hurt you. Don’t get zapped by a lightning strike or the variety of other calamities that can damage your businesses electronics. Contact us at 1st American Insurance Agency today.

Start-Up Business? Make Sure You Have All the Insurance Coverage You Need

It’s not easy to run a business, let alone start one. It takes a lot of time, effort and money to get that start-up going. Therefore, you need to make sure that you take the time to protect it. After all, disaster – criminal activity or natural – can occur at any time and without a second of warning. If you have a BOP, then you’ll be prepared and your business will be protected against various losses.

What is a BOP?

A business owner’s policy, or a BOP, is a policy package that is perfect for start-up and new businesses. It’s a small package, but it’s one that packs a lot of punch. You have several types of coverage, but you only pay a single premium rather than several different premiums for separate policies.

What Does a BOP Include?

A BOP includes property and liability coverage. It will help pay for any damage that occurs to physical assets of your business as well as damage to the property itself. This policy will also help with expenses for any third-party injuries that occur on premises.

Other Types of Coverage You May Need

Additional coverages may also be available, such as cyber liability, data breach, loss of income and equipment breakdown. If necessary, you’ll need to purchase workers’ compensation and commercial auto insurance separately.

A business owner’s policy, or BOP, is often the best possible option for business owners who are just getting started. However, before you make a final decision, you should definitely give us a call and speak to one of our independent insurance agents about your coverage options and business needs. You can call our agency to get quotes or to receive more information about business insurance for your business in Lafayette, Colorado 80026.