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Colorado Insurance Blog

Commercial Insurance: Security Upgrades For An Office Setting

Security upgrades will protect your office building from theft, vandalism, and other types of crime. Once you have reviewed the upgrades below, consult with an agent who represents Integrity First Insurance. An insurance agent will prepare a commercial insurance policy that will reflect the modifications you made at your place of business.

Office Setting

Surveillance equipment and an alarm system will keep your computers, furniture, and additional office materials protected. Your office setting should be monitored during normal business hours and during occasions when your business is closed.

To ensure that enough coverage is supplied, conduct an assessment of the areas where your business equipment is stored. Then, review security products that will provide plenty of protection for you and your employees.

Security Upgrades

If you already have security equipment on the premises, conduct an analysis of the equipment. Have the equipment inspected. If any of the security materials are old or damaged, seek security upgrades.


Keep careful records of all the changes that you have made at your place of business. Document the types of security equipment that you have purchased and installed within the office setting.

These records should be conveyed to an insurance agent when you modify your existing insurance policy. The increased security measures that you choose to take could affect your insurance premium. 

Consult With Us

Reach out to an agent who serves Colorado. Call Integrity First Insurance to discuss your insurance needs with one of our agents. The agent who helps you will be familiar with the commercial insurance laws in Colorado. They will prepare an insurance policy that will protect your office setting.

The Significance of Property Insurance

As a Colorado business owner, you have invested significant time, energy, and money into making your business successful. Securing property insurance is one of the most important steps to safeguard your business investment. Integrity First Insurance explores the significance of property insurance for businesses.

Why Property Insurance

Perils such as fire, theft, or natural disasters can significantly impact businesses. If business property is damaged or destroyed, it could lead to the loss of valuable stock, equipment, and data, interrupting business operations and leading to financial losses.

This is where property insurance comes to the rescue. Property insurance is a type of insurance that covers businesses and their physical properties against unforeseen damage. The insurance policy covers repair or replacement costs, ensuring the business can continue operations without significant disruption. 

Most insurance policies cover damage caused by perils such as fires, storms, theft, explosions, or vandalism. These policies protect the building structure and its contents, such as furniture, equipment, machinery, and inventory. Depending on the type of insurance policy, it may even cover damage to the exterior elements of the building, like signage and landscaping. 

Property insurance is important for physical properties owned by a business and properties leased or rented. If a business rents or leases a property and it is damaged, property insurance covers the cost of the loss or damages, protecting both the business and the homeowner. However, they could be at risk if the business owner mistakenly assumes that the homeowner insurance will cover any damages to their leased or rented building.

Reach Out To Us

Property insurance is a must-have for businesses in Colorado. It acts as a safety net, allowing business owners to focus on running their businesses while protecting their physical assets. Contact Integrity First Insurance to protect your business investments with property insurance.

Why should a business in Colorado have a commercial insurance plan?

The state of Colorado has been one of the fastest-growing in the country over the past few years. Those that live in this state will find that it has a good economy, a strong demand from visitors, and a growing population. This can make it an ideal place to be a business owner as well. If you are looking to start any type of business here, getting the right insurance is a necessity.

There are various reasons why business owners here need to have this coverage:

Ensure Business is Supported

A primary reason for any business owner to obtain this coverage for their company is to ensure the business is supported. There are always risks that come with running a company and having the right insurance can help to offset and mitigate some of these risks. A proper commercial plan offers coverage for all business assets and can mitigate commercial liability risks. 

Stay Compliant with Requirements

You also will want to consider getting a commercial insurance plan to ensure you can stay compliant with any requirements. There are always going to be requirements that come with running a business. Many agreements you sign, such as investor contracts, loan agreements, or vendor and client contracts, will obligate you to protect your business with insurance. Having this coverage will keep you in good standing with these requirements.

Contact Us Today

It continues to be very important that a business in Colorado obtain the right insurance to help protect the organization. If you are assessing your needs for coverage here, beginning a search with Integrity First Insurance is ideal. The team with Integrity First Insurance understands the value of this coverage and can help you identify your needs and build a plan. This will give you comfort that you remain appropriately insured and protected. 

Exploring The Benefits Of Workers Compensation

Integrity First Insurance is an independent insurance agency. We sit down with Colorado residents and help them find policies that cover their assets. We want to make it easier for our clients to navigate life’s risks.

Exploring The Benefits Of Workers Compensation

Commercial insurance is essential to the success of Colorado businesses. Commercial insurance covers you if your property is damaged or stolen. While this is a major inconvenience, commercial insurance ensures that you will be able to bounce back. Liability coverage is also significant, as your business is protected if a customer is injured on your property, or they allege that your products caused them harm. Worker’s compensation is an important part of the policy as well. You rely on your employees to make sure that things function properly. An issue in the workplace has the potential to derail everything. Worker’s compensation covers your employees if there is an injury or serious issue happening. Here’s a look at some other benefits of worker’s compensation.

Staying In Compliance

Having a strong workers’ compensation plan helps your business stay in compliance with local regulations. This can help improve your customer retention rate and help you attract new talent. Staying in compliance with the regulations is a sign to customers that your business is worth investing in.

Recruiting Tool

A good workers’ compensation plan acts as a recruiting tool. You have the ability to take care of your employees if they become injured or disabled. This is a sign to top talent that they should consider working for your business because you’ll value their contributions.

Integrity First Insurance Will Help You Find The Coverage You Need

Visit our website to learn more information on commercial insurance.

Wedding Insurance: Say “Yes” to Peace of Mind

You’ve fallen in love and plan to say, “I do.” Now your every waking moment is filled with visions of the dress, the rings, the flowers, the honeymoon and more. But, have you thought about insurance?

No, it’s not romantic, but it is a practical way to gain some peace of mind. After all, what would happen if something went wrong with the venue or your rings got stolen? Insurance can help you plan for these and other scenarios – find out how below.

The Big Day

According to TheKnot.com, the average cost of a wedding now exceeds $25,000. When you make an investment of that size, it’s a good idea to protect it. What if the caterer cancels the morning of your wedding? Hiring a replacement the day-of might cost you four times as much. What if the reception site floods a few days beforehand and you have to change venues? What if the groom gets sick and must be hospitalized? Event insurance typically covers unforeseen and sudden issues like these related to the reception site, inclement weather, vendor no-shows and illness or injury.

So, where to start with purchasing a policy? Talk with your venue and vendors about their liability insurance to help determine where you might need additional coverage. Then, work with an independent insurance agent to purchase event insurance for your wedding.

The Bling

Engagement and wedding rings can represent a sizeable investment in and of themselves. You’ll want to update your renters insurance, condo insurance or homeowners insurance – as well as your home inventory – to reflect their value. Is there an opportune time to do so? Yes: as soon as possible. Don’t put it off until after you’ve settled in to a regular routine following the honeymoon. As soon as you purchase the rings, call your independent agent to protect them.

The Presents

We’ve all heard the horror stories of wedding gifts being stolen. You can always purchase an extra policy to cover yourself from potential loss – whether the gifts are stolen off your front porch or lifted from the gift table at your reception. Policies typically cover a pre-defined period of time before or after the wedding and require you to file a police report if something does go missing.

After the wedding, you’ll want to add your new household goods to your home inventory in case of a personal property claim on your renters, condo or homeowners policy. You can check with your independent agent whether you need to purchase more personal property coverage to protect your new belongings, especially items such as china, silver, collectibles and family heirlooms. These and other items that appreciate over time may need separate coverage. Create a list of these items and discuss them with your independent agent.

The Honeymoon

Finally, it’s time to relax after months of sweating over pulling off the perfect day. But, the honeymoon isn’t exempt from unforeseen circumstances, which is where travel insurance comes into play. Polices often address trip cancellation, trip delay, medical insurance and more. The travel experts at Frommer’s say a policy should cost about 3 to 8 percent of your trip’s value. If you’re interested in protecting your trip, talk to us about the policy that’s right for you.

Your wedding day and your honeymoon should be some of the happiest times of your life. Putting a little extra effort into insuring your investment will put you on the path to living happily ever after. Best wishes and congratulations!

Reposted with permission from the original author, Safeco Insurance®

Top image by UnSplash user Jeremy Wong Weddings

What Uber and Lyft Drivers Need to Know About Insurance

Driving for Uber or Lyft is a great way to make a little extra money. You can work when you feel like it and all you need is an okay driving record and an eligible car. Other than that, there aren’t many requirements.

Both Uber and Lyft do require that you have your own insurance on your vehicle. But many people don’t really know when their own auto policy stops covering them and when Uber or Lyft’s insurance starts covering them.

Generally speaking, as soon as you log into the Uber or Lyft app, your auto policy stops extending coverage.

Continue reading “What Uber and Lyft Drivers Need to Know About Insurance”

Flood Insurance 101

Beginner’s Guide to Flood Insurance

When I ask clients if they would like to get a quote for flood insurance, I am almost always met with the same answer: “no, my home isn’t in a flood zone.” The truth is: Every home is in a flood zone.

You’re not required to purchase flood insurance if your home isn’t determined to be in a “high-risk zone.” But every home has the potential of flooding.

After talking to many clients, I’ve learned that most people fall into one of the following categories:

1. They think their homeowners or renters policy will cover any potential flooding.

2. They feel confident their home will never flood because they don’t live by a body of water.

3. They assume they don’t qualify for flood insurance because their home isn’t in a “high-risk zone.”

That tells me that the insurance industry hasn’t done a great job educating people about flood insurance.

Our mission here at Integrity First is: By operating with Integrity and focusing on education, we will change the perception of the insurance industry.

It’s important to understand your risks and your coverage, not just pay for insurance because you have to. If this blog can help even one person understand the risks of flooding and how flood insurance works, I’ll consider it a success.

Continue reading “Flood Insurance 101”

Working From Home: Safety and Insurance Risks

Does Home Insurance Cover Working From Home?

Now that we live in a world with COVID-19, working from home is becoming more popular. Many businesses are realizing the benefits of having remote employees, so this may be the new “normal.”

Whether you’ve been working from home for years or you just started, it’s important to have the right insurance coverage. You might assume your home insurance will pay for any injuries or damages, but that’s not always the case.

There are also some safety measures that need to be considered when working from home. There’s probably not much risk if you’re just working from the couch for a day. But when you’re talking weeks, months, or even longer, the risks add up.

Here are some things you should consider when it comes to health, safety and insurance while you’re working from home.

Continue reading “Working From Home: Safety and Insurance Risks”

Home Insurance FAQs

Common Home Insurance Questions

Does my home insurance cover flooding?

Simply put, probably not.

Most homeowners policies exclude coverage for flooding. That can include a flash flood, water accumulating in a window well and seeping into the home, or anything between.

 A select few carriers now offer an optional endorsement to add flood coverage. But, with most carriers the only way to get coverage for flooding is to buy a separate flood policy.

What is a deductible?

Continue reading “Home Insurance FAQs”

Car Insurance FAQs

Sometimes a car insurance policy looks like it’s in a foreign language. And that’s just looking at the declarations page. If you try to read the actual policy to get the answers to your questions, it’s like reading gibberish. Here are some common car insurance questions answered by a licensed insurance agent.

If you don’t see your question answered, give us a call. We will gladly answer any questions you have, we’re here to help!

What can I do to lower my car insurance rates?

There are several ways you can lower your rates, but I don’t recommend lowering your coverage to save a few bucks.

One option is to increase your Comprehensive and Collision deductibles. You can also ask your agent if you’re getting all the discounts available. Another way to lower your premium is to enroll in a telematics program through your carrier.

The best long term way to get lower rates is to drive safely. A clean driving record without any accidents will get you the best rate.

Am I covered if I rent a car?

Continue reading “Car Insurance FAQs”

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