Brighton, CO, is home to recreation and small-town living. This city values quality of life, and it shows. With over 40,562 residents, there are a ton of opportunities to thrive.
When you're one of the 630,113 business owners in Colorado, you'll need protection. Fortunately, an independent insurance agent has the resources to get you the right policy for a fair price. You can connect with a local expert today.
Does Your Brighton, CO, Business Have the Right Liability Insurance?
Colorado had $8,800,495,000 in commercial claims in one year. If you're wanting to avoid paying out of pocket, you should review coverages with a professional. Speak with an independent agent about the following liability insurances:
General liability (GL) insurance
GL insurance will protect your company's finances by paying for a lawsuit. Claims arising out of bodily injury or property damage will be covered under this policy. A Brighton independent agent can help you review your coverage.
Business interruption insurance
Business interruption insurance will pay for your regular expenses when a catastrophe closes your doors. Coverage will typically last for 12 to 24 months. Talk to a Brighton independent agent to have this insurance added to your GL policy.
Cyber liability insurance
When your business gets hacked, you'll need coverage for the damages. If your clients' or employees' data is stolen, your company is responsible. Contact an independent agent for quotes.
What Policies Do Your Business and Employees Need?
Employees help your business run better. They keep your company in growth mode and improve the bottom line. In order to protect your staff and your finances, there are specific policies you'll need to have.
Worker's compensation insurance
Colorado requires worker's compensation insurance when you have one employee or more. This coverage will help pay for lost wages and medical expenses when an employee is injured on the job. To get this state-mandated coverage, speak with a local expert about policies.
Employee benefits coverage
There are 1,059,196 people in Colorado employed by small businesses. If you're trying to retain employees, you'll need to show you care. Employee benefits coverage will help your company contribute to your staff's healthcare costs and more. Speak with a Brighton independent agent to create a package.
Is Your Brighton, CO, Commercial Property Insured Correctly?
Are you aware that most commercial policies don't have the coverage you'd expect? Commercial property insurance will usually insure your structure for up to 80% of the building's value. To get the right insurance, speak with an agent on the following items concerning your property:
- Market value and replacement cost
- Year built and structural makeup
- Total square footage
- Operations that occupy the property
- Protective devices in place
- Prior property claims
Common property risks in Brighton, CO:
- Wildfires and residential fires
- Flooding and water damage
- Severe storms and lightning damage
- Heavy snow
- Burglary and other property crimes
Did you get a separate flood policy?
Your commercial property could be without coverage for flood damage. If you're without a flood policy, you won't have insurance when a loss occurs. Speak with a Brighton independent agent for quotes.
How to Connect with a Brighton, CO, Independent Insurance Agent
Your business is important, and so is your coverage. An independent insurance agent can help find the best policy at an affordable price. When you work with an independent agent, they do the shopping for you at no cost.
Since they have multiple carriers, you'll have options. Get connected with one of the 252 local advisers on trustedchoice.com. You can use the find-an-agent tool to get started.
TrustedChoice.com Article | Reviewed by Jeffrey Green
©2020, Consumer Agent Portal, LLC. All rights reserved.