Remember the woman who sued McDonald's for serving her a hot beverage? For many, that notorious case is the poster child for frivolous lawsuits. The fact that the woman was subsequently awarded nearly $3 million in...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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We are almost at the end of this year, which means we are getting into tax mode. Being a Colorado business owner adds a lot of responsibility to your plate when it comes to finances. Throughout the journey, we all end...

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Cyber crime is steadily spreading and claiming victims. From national companies, to small, Colorado businesses, neither of us can afford the luxury of not being proactive about online safety. Lost data or device viruses...

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Thanksgiving is a time to get the turkey, sweet potatoes, stuffing, and pumpkin pie prepared, gather family and friends around the table, and commemorate the harvest festival celebrated by the Pilgrims. Hosting family...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question...

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Depending on an employee's line of work, they typically aren't too concerned for their safety while they're on the job. But that doesn't mean the risk of an accident isn't lurking around the corner waiting to strike.&...

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Southern Colorado Insurance Center offers an all inclusive insurance that replaces your homeowner’s policy. Custom-penned for the unique risks of vacation rental and/or short-term rental properties. Commercial Package...

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Those outside of the cosmetology profession might not consider a barber’s work especially hazardous. People probably think of a Colorado barbershop as the place where guys can hang out and discuss the news of the day,...

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Ready or Not, Here Come the WHMIS Inspectors Starting October 1, federal OHS inspectors will be visiting workplaces across the country to check for compliance with the new GHS/WHMIS requirements. The 3 Things Inspectors...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Accidents happen, and when they do, tow trucks are nearly always on the scene. Your job as a Colorado tow truck driver is to help others in distress. The last thing you want is to make a bad situation worse with another...

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As an independent tow truck driver or the owner of a Colorado towing company, your job is to help others stranded on the roadway. What happens when you’re the one involved in an accident? The first thing you need is a...

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Accident prevention is a top priority in the Colorado oil and gas industry. Unfortunately, sometimes preventative measures aren’t enough. When mistakes result in disaster, your company needs the right insurance...

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With the legalization of marijuana in a handful of states, some folks have deemed the last few years the “green rush.” While the economies across several states are still struggling, Colorado has experienced impressive...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Who doesn’t love spending time in Rockies? If you’ve purchased a second home in Colorado, you may be thinking about earning a little extra income by renting it out when you aren’t there yourself. Maybe you’ve considered...

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One of the most popular ways to beat the summer heat is to visit the local water park and fly down the water slide or tube along the lazy river. To help make sure your trip to the park is fun, the American Red Cross has...

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How to Host a Safe Summertime Celebration What's at Stake? It's summer and the Fourth of July is right around the corner! Time for the backyard barbecue, fireworks and fun in the sun. If you're planning to host a day of...

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Vaping is big in Colorado. Whether you’ve been blowing smoke for years or just got into the E-cig retail game, you’re likely to make good money with a vape shop. But like every venture, owning and operating a Colorado E-...

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Sure, it’s dope to earn a little extra green selling grass, but what do you need to do to protect yourself, your business and your customer base? It never hurts to get some advice from your local insurance company....

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The road to success in private practice can be as steep and winding as a Colorado mountain pass. You’ve completed years of higher education in order qualify for this position. You’ve passed clinicals and done your...

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No repair is simple these days. As a Colorado mechanic, you need to know your way around a wide variety of engines. You might specialize in working with a specific make of vehicle, or you might be well-versed in basic...

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Employers in every industry in Colorado face employment liability issues. Today, with the controversy and political upheaval surrounding drilling in the Centennial State, employers in the oil and gas industry need to be...

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Lightning damage and protection By: Mike Huss, Loss Control Supervisor Lightning damage is a costly and frequent occurrence. According to Underwriters Laboratories, Inc. (UL), lightning accounts for more than $1...

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Hail damage and protection By: Mike Huss, Loss Control Supervisor Most areas of the country experience hail storms that can cause significant damage to rooftop equipment, severely disrupting your business and...

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Windstorm damage and protection By: Mike Huss, Loss Control Supervisor High velocity winds can damage your business property, including your vehicles, in a matter of minutes. After all, it's impossible to predict the...

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Heat illness – What you need to know By: Mike Huss, Loss Control Supervisor Per Cal/OSHA, heat stroke, the most serious health problem for workers in hot environments, is caused by the failure of the body’s internal...

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When a condo is rented out by its owner, the owner's personal property there may no longer be insured. Question: We insure a Condo Trust under a business owner's policy (BOP). A condo unit owner was injured in a slip &...

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Take the Bite and the Sting out of Working Outdoors Working outside puts workers at risk for countless hazards. One group of hazards that doesn't get as much attention are biting and stinging insects and animals. Here...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Do you own a restaurant or other food service in the state of Colorado? If so, you already recognize that food spoilage can become a huge liability in your line of work. Whether you operate a catering company, own a...

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According to the U.S. Bureau of Justice Statistics, 17.6 million people nationwide became victims of identity theft in 2014. This indicates an increase of 1 million victims over 2012 statistics. (Source: https://www.bjs....

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When shopping for personal insurance, many individuals like to add towing and roadside assistance to their auto policies. As the owner of a tow truck in Colorado, you help people every day, and you understand the...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?Unfortunately, we live in a world of lawsuits. Large damages can be...

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Many people think of errors and omissions insurance (E&O) as a product purchased primarily by doctors, lawyers, therapists and other professionals with advanced degrees. Although malpractice insurance is a common...

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Colorado business owners don’t necessarily get paid when business comes to a screeching halt. Unfortunately, when equipment breaks down, a storm causes a power outage or other disasters affect your business, commercial...

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The right liability insurance coverage is vital for any Colorado business. The nature of roofing and framing work makes property liability a must-have for Colorado contractors. You spend your days working onsite at...

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In May of 2015, the CDC published encouraging news for the oil and gas industry. Despite significant growth in the industry, a 10-year study (2003 to 2013) indicates that the fatality rate for workers decreased...

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Could you save 10 percent or more by getting a condo insurance quote online? Possibly, but if you want to have the coverage you need for your Colorado condominium, it’s always a good idea to make sure you fully...

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Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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Food trucks are popular in the Centennial State. Whether you serve tacos and tamales in the Mile-High City or distribute vegan delights in Boulder, you need proper protection for your business. Unlike other businesses...

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Operating a Colorado towing company can be rewarding, but many tow company and garage owners lose sleep over liability concerns. What can you be held liable for when towing and storing a customer’s automobile? With the...

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If you own and operate a bar, lounge, tavern or restaurant where alcohol is served in the state of Colorado, you need to understand your responsibilities when it comes to liquor liability. Although it’s always a good,...

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Every Colorado business, regardless of size or industry, needs to carry commercial vehicle insurance for protection from liability in the event that the owner or an employee has an auto accident while driving on company...

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Vacation rentals and home sharing through a variety of online sites and apps has become a popular way for Colorado residents to make a little extra cash. Whether you rent out your primary home while you go on vacation...

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Most of us grew up thinking that bedbugs were make-believe, like the monster under the bed. Unfortunately, they are not. Bedbugs have returned in force to infest dwellings and public spaces throughout the United States....

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Tools and equipment you use for your business can sometimes be an afterthought when it comes to your insurance coverage. You probably think they are covered under your property insurance contents coverage, but are they?...

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Construction Fatalities Hit 7-Year High The Bureau of Labor Statistics recently reported a total of 4,836 workplace fatalities in 2015, the highest total since 2008. Almost 20 percent of those (937) occurred in the...

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Secure Surety Credit Prior to Construction Acquisition When buying a construction business, it is critical to have a surety credit facility ready to go. The acquiring company –- and its surety representative –- must...

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The marketplace is always fluctuating and when it is in a slump, property managers and property owners can find themselves with an insurance dilemma on their hands when tenants move out. “Is my building vacant, or is it...

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It looks like a regular envelope from your insurance company. Perhaps it is your business’ premium renewal notice for the upcoming term, but it seems too early for that, so you open it up:You are hereby notified in...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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