Motorcycle Insurance: Required? No. Necessary? Absolutely.

The required levels of motorcycle insurance in the state of Colorado are rudimentary at best. And while there may not be a legal requirement to carry more than the low level of coverage that is required, it is a good an smart idea. The team at 1st American Insurance Agency is well-versed in both the requirements for motorcycle insurance and the recommended levels that are necessary for adequate protection. 

We advise our clients in the greater Longmont, CO area to consider all legal minimum insurance requirements as a guideline, rather than the final word on the appropriate level of insurance in every case. Comprehensive motorcycle insurance coverage can help to minimize the financial impact of liability and damages caused by an accident that causes loss of or damage to vehicles as well as physical injuries that require medical attention. We can also help with uninsured rider coverage.

Legal requirements for insurance can provide adequate protection in some instances but not all. If you are considering the purchase of a motorcycle, let us review all of your insurance options with you prior to your purchase. We are also here to help riders who have insurance coverage but would like a comprehensive review of their current policy. Insurance is a useful tool to keep your assets and financial bottom line protected in the event that you are involved in an accident.

If you are thinking about getting a motorcycle and would like to learn more about the insurance policies that are available, or if you would like the team at 1st American Insurance Agency to review your current policy, please give us a call or stop by! We are here to provide the necessary insurance coverage for our friends and neighbors in the greater Longmont, CO area. 

What Commercial Insurance Options Are Best for My Business?

Commercial insurance is an essential element of your business. It provides your Longmont, CO business with a means to address those risks that are always present and threaten to cause financial harm. 1st American Insurance Agency understands the importance of providing you with the options necessary to properly insure your business and protect your most important assets.

Your business property needs to be protected, including your physical location, inventory, any vehicles used by the business, or any potential liability you may incur should one of your employees become ill, or a customer slips and falls on your premises. The State of Colorado provides useful information for small businesses on the type of commercial insurance you should consider for your Longmont, CO business. Agents working with 1st American Insurance Agency can sit down with you and help you assess which important commercial insurance coverages are needed.

There are many different types of commercial insurance appropriate for your business. The most important coverages that you should consider depends on the type of business you operate and the relative risks to your business. For example, if you are engaged in a profession like accounting or medicine, malpractice insurance is something you must strongly consider to protect against the risk of being sued. Workers’ compensation is another type of commercial insurance you would carry as a business for employee injury or illness that occur on the job.

Agents located in Longmont, CO working with 1st American Insurance Agency can provide you with the commercial insurance options for your business. Allow 1st American Insurance Agency to provide a review of the coverages you have in place for your business and make recommendations to upgrade, replace, or purchase new commercial insurance. A review allows you to protect your customers, your employees, and most important you.