Commercial insurance is important for any type of business – it protects businesses and their owners from financial losses and hefty expenses if something happens. If you are currently shopping for business insurance in Lakewood, CO or another nearby town, here is a list of questions you should ask an insurance agent. The answers to these questions should help you make the right choice:

What Affects The Cost of My Business Insurance?

There are certain factors that have an impact on the cost of business insurance, including the type of business and industry, number of employees, payment plan, and previous claims.

Can I Save Money On My Business Insurance? 

Yes, there are ways to save money on commercial insurance. You can do it by bundling policies, managing risks in your business, and creating a safe working environment. 

Are There Any Discounts Available? 

Often, there are discounts that allow you to reduce the cost of your commercial insurance. You should ask an insurance agent if there are any and if you qualify for them. In most cases, people do not know about the available discounts and make one common mistake – do not ask insurance agents about them. 

How Do I Know What Type of Business Insurance I need?

There are different types of business insurance policies, and your choice should be determined by the location of your business, exposure to risks, type of business operations, and some other factors. 

Premier Group Insurance  – We Will Help You Find a Perfect Policy For Your Business

If you are a business owner running a business in Lakewood, CO or any other surrounding area or town, Premier Group Insurance is ready to help. Depending on the types of your business, company, and budget, our experienced and professional insurance agents will find you a good policy. If there are any questions you want to ask or more information your need to receive, feel free to call us. 

Having fun with friends and family outdoors is an important part of your life. Your recreational vehicles help take that fun to the next level. Having your recreational vehicles properly insurance will keep the good times rolling a lot longer. At Premier Group Insurance, serving Lakewood, CO, we want to help you find the best insurance deals. Finding the best deals starts with having great insurance information. Keep reading to find out what you need to know about recreational vehicle insurance. 

What Qualifies As A Recreational Vehicle?

Recreational vehicles can include all-terrain vehicles, golf carts, snowmobiles, campers, RVs, and other items. These are specialty vehicles that are not normally used for transportation purposes. Although these vehicles are not used regularly on the roads, they can still pose a danger to users and others. This is why adequate insurance is a necessity. 

What Does Recreational Vehicle Insurance Cover?

This type of insurance can be customized to suit your particular needs. In general, though, recreational vehicle insurance will cover the following areas:

• Property damage- This type of coverage is available to reimburse you if your vehicle is damaged or lost due to natural disasters, fire or burglary. This helps to protect the money you have invested in the vehicle. 
• Liability coverage- If your vehicle is involved in an accident that results in damage to another vehicle or results in injury to a person, liability is there to protect your assets. You can be held personally responsible for expenses that resulted from the incident. 

If you would like to learn more about our services and insurance products, please contact our office at Premier Group Insurance, serving Lakewood, CO. We will be happy to answer your questions and help you find the best insurance products for your needs. 

The Lakewood, CO area continues to be a fun place to live. Those that are in this area will have access to a major city as well as many amazing national and state parks. To ensure you are able to explore the state as well as possible, investing in a motorhome is a good idea. Along with this, you also need proper insurance. There are a few situations in which you will need to get motorhome insurance here. 

When Driving on Public Road

A situation when you will need to have a motorhome insurance plan is when you are going to drive on a public road. Anyone that owns a motorhome and wants to drive it will need to comply with state driving laws. This will include requiring you to have liability insurance at all times, which will ensure you can pay for any damages that may result from an accident.

When Financing Motorhome

You will also want to have this insurance when you are going to finance the purchase of your motorhome. The purchase price to get a motorhome can be expensive, which may require that you take out a loan to finance it. If you decide to finance the purchase, you will need to comply with your lender’s insurance requirements. This will usually include requiring full comprehensive and collision protection.

When you are in the Lakewood, CO area, it continues to be important to have proper insurance for your motorhome. If you are going to looking for a motorhome insurance plan in this state, speaking with Premier Group Insurance is a great option. The team with Premier Group Insurance knows the value that this insurance coverage provides. They can offer any support you need to understand your needs and options or build and choose an appropriate policy. 

At Premier Group Insurance, we have many customers in and around Lakewood, CO, who own recreational vehicles and wonder if they need high-quality insurance policies. That’s why it is crucial to understand what your policy will cover and what limitations it may have on its overall operation.

What Does Your Policy Not Cover?

Let’s start by discussing what your policy will cover to understand better whether you need to buy one. Things that you will get covered include:

• Liability in a variety of car accidents
• Collision coverage if you get into another type of accident
• Comprehensive troubles that affect the whole vehicle
• A complete loss that you did not cause
• Roadside assistance for breakdowns
• Personal injuries caused to other drivers
• Full-time habitation if you live in your vehicle

As for what your policy does not cover, this usually accounts for problems you have caused or caused by the vehicle’s regular operation. Just a few things that you can expect your policy not to cover include:

• Damages you caused by using your RV improperly
• Problems caused by you mistreating the RV
• Wear-and-tear concerns caused by operating the RV regularly
• Concerns that you should have noticed

This last factor covers items like flat tires caused by wear and tear, engine damage caused by age, and other problems you may have triggered. If your insurance company gets wind of you causing any of this damage, you can expect your policy to be null and void almost right away.

Do You Need a Policy?

If you’re still uncertain if your Lakewood, CO RV needs an insurance policy to protect it from damage, make sure to reach out to us at Premier Group Insurance right away to learn more. Our professionals have years of experience helping out people like you and will do what is necessary for your needs.

Premier Group Insurance serves the Lakewood, CO community, as well as the surrounding areas. We offer our clients high-quality policies to help them protect their assets. As an independent insurance agency, we can help you find custom coverage that suits your individual situation.

How Going On A Motorcycle Tour Impacts Your Motorcycle Insurance Coverage

Motorcycle insurance assists you in staying safe on the road as your travel through Lakewood, CO and beyond. The policy covers you if your motorcycle is damaged in a collision. You are also protected if someone steals or vandalizes your motorcycle. If you accidentally damage someone’s property or injure someone, liability coverage protects you if a dispute arises. Motorcycle insurance is a great asset if you are planning to go on a motorcycle tour.

Planning a motorcycle tour is exciting. However, you need to make sure that you have protection in place if something goes wrong while you’re on vacation. If you are riding somewhere that you’ve never been, there are substantial risks. All it takes is one small bump on an unfamiliar road and something can happen. Motorcycle insurance will cover you if an emergency happens. Consider adding natural disaster coverage to your policy if you are traveling somewhere that has inclement weather. You will be covered if your motorcycle is damaged due to a natural disaster.

Consider adding medical emergency coverage to your policy so that you will be protected if you get sick or injured while you are on vacation. If your motorcycle suffers engine failure or another mechanical issue, you’ll need urgent assistance. Your policy should protect you in the event of an emergency.

Premier Group Insurance Can Help You Stay Safe On The Road

Visit our website to learn more information about motorcycle insurance.

Applying for flood insurance coverage is among the best decisions any homeowner can make. The truth about natural disasters such as floods is that they can strike at any time. In this article, we tell you why flood insurance is a sure bet whenever the heavens open. 

Understanding Flood Insurance

Flood insurance refers to a cover intended to help protect your home and property in case of damages caused by floods. This type of insurance is a separate plan from most standard property insurance policies. The cover is specific to damages caused to any of your property due to heavy rains. 

Compared to other insurance plans, flood insurance is more specific, something that confuses most people. Are you in Lakewood, CO, and wonder if flood insurance is necessary? If you are yet to consider this vital coverage, you could be missing out on the following benefits. 

Building Property Coverage

Damages caused to your property due to floods can be overbearing financially. Unless you have coverage, you might be forced to pay from your pocket, which is often overwhelming. Flood insurance helps you restore your building structure to its original state in case of floods. 

At Premier Group Insurance we provide you with reliable flood insurance coverage to ensure speedy repairs for your home in Lakewood, CO, in case of destructions caused by downpours. 

Personal Content Coverage

Our flood insurance plans also cover your personal content. When floods come raging, items such as clothes, furniture, electronics, and carpets are the most at risk. The best news is that our flood insurance coverage at Premier Group Insurance covers all homes in Lakewood, CO, and every item in the house against destruction caused by floods. 

It’s Time to Take Cover

If you live in Lakewood, CO, then you have no reason to face the frustrations of losses caused by flooding. Our team at Premier Group Insurance is always ready to advise you more on everything you wish to know about flood insurance. 

We also offer home, commercial, life, renters, and umbrella insurance to our customers. Contact us today for more information and professional services.

Do you own a boat in Lakewood, CO? If so, it’s important to invest in a boat insurance policy. We offer boat insurance to Colorado consumers at Premier Group Insurance.

Boat liability coverage protects you if you get sued.

Lawsuit expenses can get very high. Unfortunately, activities like boating can put you at increased risk of facing a lawsuit. Fortunately, you are covered for lawsuit expenses if you invest in a boat insurance policy including liability coverage. 

Your boat liability coverage will probably only be valid within certain navigational limits.

One thing to remember about boat insurance policies is that they are usually limited to a particular area. If you travel outside of certain navigational limits in your boat, your boat liability coverage might no longer be valid. 

It’s important to be aware of the limits of your boat liability coverage. If you plan on traveling outside of these limits in your boat often, it’s a good idea to invest in added coverage that will be in effect in all the places you want to travel to. 

Homeowner’s insurance isn’t going to provide adequate liability coverage for your boat.

One of the most common mistakes when it comes to boat liability coverage is thinking home insurance will cover you. While your home insurance policy may provide coverage while you’re on your own property, it won’t cover you when you’re boating in public waters. That’s why you need to invest in a separate boat insurance policy. 

Contact us to find out more about our boat insurance offerings at Premier Group Insurance. We’ll be happy to assist you with meeting all your insurance needs in Lakewood, CO. 

An umbrella insurance policy does not stand on its own. It is a type of insurance that you get to supplement other policies that you already have in place. When your liability on other policies isn’t very high, you can supplement it by getting an umbrella policy. If you are interested in this type of coverage, call us at Premier Group Insurance in Lakewood, CO to talk with an agent.

The Umbrella Policy

An umbrella policy comes in handy when you already have home and auto policies on your residence and your vehicle. When you have those two policies, each is responsible for some liability when there is an accident or other incident that causes problems. However, the liability coverage amount is often not very big. So, your auto or home insurance could max out after an accident and leave you paying out of pocket to cover the rest. When that max out, an umbrella policy kicks in. 

Raising Liability Coverage

Instead of you paying out of pocket when your home and auto insurances are maxed out, your umbrella policy is activated, and it pays more of the liability amount up to a specific maximum, which is often quite high. The umbrella policy is extra protection for both of these insurance types, and it can save your financial future if there were to be a serious accident. Your umbrella insurance has a high maximum value, but it costs relatively little. An umbrella policy costs much less than you would pay to raise your liability coverage through your home and auto policies.

Get Your Umbrella Policy

If you need more liability coverage, it may be time for an umbrella insurance policy. Call us at Premier Group Insurance in Lakewood, CO to talk with an agent about what these policies can do for you and your future.