Wheat Ridge, CO, was once known for its vast land full of wheat crops, but is now home to more fruits and vegetables than grain. With over 31,294 residents, this town has the largest supply of carnations in the world.
If you're one of the 630,113 small businesses in the state, you'll need coverage. The best policy and premium can be found through an independent insurance agent. Connect with a local expert to find a reliable policy today.
Wheat Ridge, CO, Liability Insurance and More
Colorado had $8,800,495,000 in commercial claims paid in 2019 alone. To ensure that you have coverage for a future loss, you'll want advice. Speak with an independent agent about the following liability insurances:
Business interruption insurance: Business interruption insurance will keep your business open when a catastrophe shuts you down. This coverage will last 12 to 24 months on average. Speak with a Wheat Ridge independent agent for quotes.
General liability or GL insurance: GL insurance will protect your bottom line when a lawsuit occurs. Bodily injury and property damage are common claims filed. Speak with a Wheat Ridge independent agent for a review of your current GL coverage.
Cyber liability insurance: Cyber liability will provide coverage for damage due to a cyber attack. When sensitive information is stolen, your business is responsible. Connect with a Wheat Ridge independent agent for details.
How Employee Benefits Can Help You Retain Staff in Wheat Ridge, CO
With 1,059,196 people in Colorado employed by small businesses, your company will need to add value. Employee benefits are the perfect way to show that you care. It will help pay for the following policies:
A local adviser can help put together a creative solution so you can attract and retain employees. When you have more to offer, your team will want to stick around. Contact a Wheat Ridge independent agent for details.
Is Your Wheat Ridge, CO, Commercial Property Covered?
Did you know that not all commercial policies are created equal? For instance, your commercial property policy may only cover up to 80% of the building's value. This leaves you with 20% of the loss. To get the right insurance, speak with an agent on the following items concerning your asset:
- Protective devices in place
- Year built and structural make-up
- Total square footage
- Operations that occupy the property
- Market value and replacement cost
- Prior property claims
Common property risks in Wheat Ridge, CO, are listed below:
- Wildfires and residential fires
- Flooding and water damage
- Severe storms and lightning damage
- Heavy snow
- Burglary and other property crimes
Why Your Commercial Property Needs Flood Insurance
Flood insurance is a separate policy that you'll need to obtain if you want flood damage coverage. Your commercial property policy will exclude flooding, so be sure you speak with an expert. A Wheat Ridge independent agent can get quotes.
Is Workers' Compensation Insurance Necessary in Wheat Ridge, CO?
Workers' compensation insurance will cover medical expenses and lost wages when an employee gets injured on the job. If you're trying to find a workers' compensation policy on your own, you could be at risk. Since this coverage is regulated, you'll need to get it right.
A local adviser can help you navigate the state guidelines to ensure you have adequate limits. To avoid penalty or worse, get a professional. Contact an independent agent in Wheat Ridge.
How to Connect with a Wheat Ridge, CO, Independent Agent
When you're searching for the perfect business coverage in Wheat Ridge, an independent insurance agent can help. They have access to several carriers, saving you time and money. An independent agent works on your behalf so that you can relax.
If you're unsure how to protect your business, get a professional. You can connect with one of local experts on TrustedChoice.com in minutes. Use the find-an-agent tool to get started.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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