Maintain Small Business Solvency: Perils and Prevention for Owners

By: Eric Erickson Sunday December 22, 2013 comments

The unfortunate reality of insurance is that the people and entities that need it the most are often the people and entities that feel like they cant afford it. That is especially true when it comes to certain types of liability coverage. Large companies can often afford to include coverage for credit problems, business interruption, or employment practices. However, small business owners are much more vulnerable to debt and lawsuits. Without insurance coverage, litigants will end up coming after personal property, including your home. While... Read More

Buy Now, Save Later: The History of Risk and Insurance

By: Eric Erickson Thursday December 5, 2013 comments

It is likely that you will one day ask yourself: Why do I need insurance? It can certainly seem like insurance premiums eat way at your income without providing anything in return. The reality is that some form or another of risk sharing has been around for centuries. We often take for granted that so many aspects of our lives, while primarily safe and trouble-free, are subject to risks that can threaten to destroy our financial wellbeing. Whether it is our home, our automobile, or our small business, few of us can withstand hardships that... Read More

Virtual Risks in a Virtual World: How Can Cyber-Insurance Work for Your or Your Business

By: Eric Erickson Friday November 29, 2013 comments

Our lives and our property are increasingly dependent on electronic data. As business owners and homeowners, we tend to store more and more of our important data on computers. And, more and more individuals rely on shared electronic information for their work. Because of this, our personal property no longer consists primarily of valuable items or essential equipment. This virtual information is continually at risk of cyber-theft. Normally, only large companies are at major risk of an electronic security breach, but insurance carriers are... Read More

Get the Most Out of Your Coverage: The Insurance Market and You

By: Eric Erickson Friday November 29, 2013 comments

Insurance coverage is more than just a necessary expense. Insurance can by your primary ally when unexpected events threaten your financial security. What if you could find the right insurer for all of your coverage needs, including drivers, homeowners, and commercial coverage that fits your budget and services claims efficiently with limit options that protect you in the event of an accident or emergency? Find the best options among Fort Collins insurers through the help of an independent policy agent that benefits from helping you save money... Read More

Shelter from the Storm: Homeowner's Insurance for Colorado's Unique Climate

By: Eric Erickson Saturday November 23, 2013 comments

Like many parts of the country, Colorado has been severely affected by inclement weather and environmental destruction over the past few years. With winters that produce heavy snows, springs that can produce violent storms, and summer months that create the optimal circumstances for wildfires, home ownership in Colorado has increasingly meant paying more for property coverage. Colorado insurance claims have increased in number and severity in recent years, and as a homeowner, you need to make sure that you are finding the best premium with the... Read More

Don't Overpay for Commercial Insurance

By: Eric Erickson Saturday November 16, 2013 comments

Many Front Range communities have been hit hard by recent flooding. Unfortunately, many small business owners are unclear about the details of their property coverage. Flood damage can be included in most commercial property insurance policies, but they are often subject to sub-limits and exclusions. Colorado foothills counties have long battled the threat of flooding, but the exceptionally destructive 2013 flooding exposed many businesses to the reality of coverage limitations. The events of 2013 highlight a major concern that many small... Read More

Easy, Fast, and Convenient: Get Insured with One Phone Call

By: Eric Erickson Wednesday November 6, 2013 comments

Navigating the auto, life, residential, and commercial insurance landscape can be incredibly treacherous. How do you make sense of varying premiums, deductibles and coverage limitations? Fort Collins area insurance customers have known the ease, convenience, and speed of insuring their car, home, and business with one single phone call for over two decades. Why waste time searching through dozens of liability plans to find the cheapest price, the folks at Insurance By Phone can help find you the best, and the cheapest, insurance, and provide... Read More

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