How to pick a commercial insurance policy in Longmont

Anyone that would like to own their own company should consider opening up in the Longmont, CO area. This area of the state offers a lot of advantages and opportunities to small business owners. When you are going to start a small business here, or anywhere else, you need to make sure that you get the right form of insurance in place. There are several tips that you can follow that could help you to pick a commercial insurance policy. 

Consider Requirements

One tip that can help you pick a commercial insurance policy is to consider your insurance requirements. Most business owners will have a variety of obligations that need to be followed. If you have taken out a loan, lease a property, or have business investors, you will likely need to comply with their commercial insurance requirements. You should review your various agreements to ensure you have the proper insurance requirements in place. 

Consider Assets that Need Coverage

You should also spend time considering the assets that your business has. Your insurance provider will likely include a level of commercial property coverage that will be included by your policy. However, depending on your business, the basic insurance requirements may not be enough for your organization. If you have valuable assets owned by your company, you should make sure they are covered by your commercial insurance policy limits. 

Picking a commercial insurance policy is always a very important decision that those in the Longmont, CO area will need to make. If you are looking for a new policy for your company, you should speak with the 1st American Insurance Agency. The insurance team at the 1st American Insurance Agency can help you to pick a policy that is right for your situation. 

What Does Motorcycle Insurance Cover?

You love the feeling of your knees in the breeze as you cruise down the highway on your beloved motorcycle but to really enjoy your ride and have peace of mind, you will want to make sure you have the proper motorcycle insurance coverage.

To protect the investment you have made in your motorcycle, moped, chopper, fast bike, or even your Segway, you will want to obtain a motorcycle insurance policy that features the types of coverage you need.

Most motorcycle insurance policies cover liability, including accidents you cause that results in the injuries to others or the damage of someone’s property. Many states, including Colorado, require that you at least have a liability motorcycle insurance policy in place.

Comprehensive Insurance

You can also obtain comprehensive coverage that will repair or replace your bike if it is stolen, vandalized, or damaged in a natural disaster, such as a tornado or hail storm. It will also cover your bike if it is damaged by a fire. If you have a loan for your motorcycle, you may be required to have comprehensive motorcycle insurance along with collision insurance.

Collision Insurance

This part of your motorcycle insurance policy will cover damage to property or injuries to others if you cause an accident. This includes incidents in which you collide with another vehicle or hit an object, such as a building or telephone pole.

To obtain a motorcycle insurance policy that fits best with you and your situation, you will want to enlist the help of an agent who is experienced in motorcycle insurance policies. Contact the motorcycle insurance agents at the 1st American Insurance Agency in Longmont, CO by calling for an appointment today to begin your coverage.