When it comes to personal insurance, most people are familiar with their auto, homeowners, or renters policies. However, fewer may be aware of umbrella insurance-a type of coverage that goes beyond the limits of your...

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Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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The shift towards remote work has introduced numerous benefits for businesses worldwide, including increased flexibility and reduced overhead costs. However, this shift also presents new challenges in data security and...

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Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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In the commercial auto industry, safety is paramount. Not only does it concern the well-being of drivers and the public, but it also significantly impacts operational costs and company reputation. With advancements in...

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Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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Workers' compensation insurance is a fundamental aspect of running a business, providing vital protection for both employers and employees. This insurance covers medical costs, rehabilitation, and lost wages for...

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Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about...

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In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage...

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If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their...

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Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular...

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If you’re opening a branch of your company in another state, congratulations! That means your business is thriving. Here are four important considerations to mull over as you expand. What Does Commercial Property Cost?...

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Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to make sure...

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If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons....

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If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. Assess Your...

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With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to help avoid...

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Many insurance carriers today offer smartphone apps that track telematics to monitor driving. Here’s how they work and how these apps may help you lower your auto insurance premium, along with a few other advantages. ...

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If you’re hiring someone who will be doing a lot of driving for your business, you want to find someone who will maintain a stellar safety record. Avoiding accidents is essential, as it may reduce your risk of liability...

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Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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Small businesses today face many of the same challenges that larger ones do, and they're vulnerable to many of the same risks as well. One increasing danger for small businesses is cyber liability, because they're...

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Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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If you’re starting up or buying a new business, it’s vital to have the right insurance coverage to protect your investment and your employees’ livelihoods. But it can be confusing shopping for multiple business...

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It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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As the owner or property manager of a commercial building, your fire safety protocols can mean the difference between life and death. Here’s a checklist to help you ensure your commercial property stays safe for...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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If you own or manage a commercial property, you may be able to reduce headaches, expenses, and safety issues by properly maintaining the structure and grounds. Here’s a commercial property maintenance checklist to get...

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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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If your team has been working remotely for the last few years due to the pandemic, you may be returning to the office now that the situation has changed. To help your group adjust, here are five expert tips. Start With...

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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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If you own a business, no matter what size it is, you most likely need business insurance. However, just because you have commercial insurance doesn’t mean you always have the right protection. Here are four of the most...

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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Many startups and small businesses often forgo business insurance to save money. However, this can backfire and actually cost you more in the long run - without the protection business insurance affords. Here’s why...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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If you’re confused by all the different types of insurance available today, you're not alone. Learn the difference between landlord insurance and renters insurance so you can get the coverage that’s right for you. What...

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If you own a rental property, it’s no doubt a source of income for you. Therefore, you want to protect your property with the right insurance coverage. Read on to learn why you likely need rental property insurance,...

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Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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Smart business owners have business insurance, no matter how big or small their company is. But do you have all the coverage you need? Here are five places where business owners often find themselves lacking in...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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Whether you have one company car or an entire fleet of vans, you want to make sure you’re taking the right safety steps. Follow these tips to reduce accidents, keep employees safe, and protect your business vehicles. ...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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No matter what size office your business occupies these days, it seems like energy costs are going up, up, up. Here are some tips on how you can save money and help the environment. Perform Regular Maintenance Checks on...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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If you own a small business, especially if you work alone, you may think you don’t need business insurance. But actually, without this protection, you could be opening yourself up to a world of liabilities. Here’s what...

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As 2021 evolved, conditions ultimately translated into higher values, rising rents, and a more stable landscape. Here are some key factors that may drive the landscape in 2022: Rising Interest Rates While rates are...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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Safety is priority number one in the construction industry, but did you know your insurance policy is designed to work together with OSHA requirements to help you create a safer environment for everyone? And we're here...

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What are the factors set to impact the construction industry industry this year? After doing some research, we thought we’d summarize some opinions: The Infrastructure Investment and Jobs Act is expected to drive growth...

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The remote work model of the last few years is shaping up to be the wave of the future. Follow these tips to support your remote employees, whether it’s for a few months as needed or as a permanent new business model. ...

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Work consumes a huge chunk of most people’s lives. As such, a healthy and positive work environment is vital for employee mental health and business success. Luckily, more companies are now bringing mental health to the...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business...

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As your business grows, so do its associated risks. Whether you are offering new products, increasing your headcount, expanding your operational structure, or shifting to a new location, all these moves come with...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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As a business owner and employer, it is your moral and legal obligation to keep your employees safe and healthy at all times. Despite your intentional efforts to keep their work environment as safe as possible,...

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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Extreme weather can wreak havoc on your business. Tornadoes, wildfires, hurricanes, windstorms, flash floods, snowstorms, and blizzards - are you prepared for any of these to strike? Taking precautions against Mother...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Summer is here and people are flocking to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity - particularly this...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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In the construction industry, owner-controlled insurance programs (OCIPs) and contractor-controlled insurance programs (CCIP), also referred to as “wrap-ups,” commonly are used to provide insurance coverage for the...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects - and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Technical writing is a highly specialized skill that governments often require. As a technical writer, you'll need to protect both yourself and your government clients, and you can do this through bonds and insurance....

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Drivers all across the country need tow truck services from time to time, so this can be quite a lucrative and sustainable business. However, it is not without inherent risks. As a tow truck service provider, you'll...

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When you provide products or services to the government, you'll be held to a higher standard than if you were to offer those same products or services to the general public. Because the government is buying from you...

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Lessor's risk insurance is essential for any commercial property owner who rents out space in their property to other businesses. While you may require your tenants to maintain their own insurance policies as a...

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Americans spend nearly $400 billion annually in home remodeling projects. And this opens up a brand new source of risk for home owners, risks for which insurance agents should understand. Addressing this activity is...

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Thanks to the perennial popularity of beer, running a brewery can be a profitable endeavor. However, accidents and emergencies can quickly put a dent in your profits if you don't have adequate insurance coverage to...

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When you run a restaurant, you need to protect it in case of emergency, but this goes further than just protecting against natural disasters. You'll also need to protect your food and other supplies, as well as your...

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Rather than moving into residential care facilities, many seniors and people with chronic illnesses prefer to utilize home healthcare services. These types of services enable them to remain in their own homes while...

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Managing a senior group home, nursing home, assisted living facility or other elderly care facility is a great way to give back to some of the most vulnerable members of our society. However, it doesn't come without...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Managing a youth group home is an admirable career path. You are doing your part to improve the lives of young people who are most in need. However, there can be potential risks involved in this type of group home, so...

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As a contractor, it is important that you protect your business when working on projects. But what about your customers? As trustworthy as your company may be, they'll still desire their own protections to ensure the...

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Construction sites are fraught with dangers, so there is always the possibility of accidents resulting in property damage or injury. Rest assured, Debbie Klisch, Southern Colorado Insurance’s own certified construction...

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If you have been in the construction business for any length of time, you know how rare it is for everything to go exactly according to plan during a major project. No matter how careful you are throughout the process,...

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Engineers, architects, and other design professionals often work on high-value projects, so any lawsuits relating to these projects can be incredibly costly. As an engineer, of course you do your best to keep your...

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No doctor or nurse should be without medical professional liability insurance, often called medical malpractice insurance. Even the simplest medical procedures aren't without risk, so there is always the possibility...

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Medical professional liability insurance, also called medical malpractice insurance, is essential for any dentist. Without it, a medical malpractice lawsuit could wipe out your practice and even your personal life's...

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If you work as a technical writer or manage an agency that employs technical writers, it is crucial that you have technical writer insurance. Because of the specific, detailed nature of technical writing, you could be...

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Many insurance companies will elect to cancel your homeowners insurance policy if you make too many claims within a specified amount of time, which can vary from insurer to insurer. In most cases, you can't control when...

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It may surprise some that the term "sinister" is actually Latin for the direction "left." However, over the ages, and to the chagrin of roughly 10% of the world's population who are left-handed, the word has come to...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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Homeowners insurance is designed to protect you in case something happens to your home, like if it is damaged in a fire or storm. It will also protect you if someone is injured while on your property, covering their...

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Most insurance policies, including homeowners insurance, come with what is known as a deductible. When you make a claim, the deductible is the amount you'll have to pay out-of-pocket before your policy kicks in. While...

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If you have any type of insurance policy, you are likely familiar with the term, "deductible." This is the amount that you will have to pay when you file a claim before your policy will take over. While many types of...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

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Southern CO Insurance is the Agencyfor construction business More markets than most Agencies in the region, with new markets recently added Admitted and E&S "A" rated carriers. Admitted options available in select...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Introduction Today's restrictive General Liability Insurance climate requires creativity when working with new construction developments. Southern CO Insurance has the knowledge and experience to quote a WRAP for any...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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WHO NEEDS ENVIRONMENTAL LIABILITY? The need for environmental insurance has increased in recent years. Governmental oversight has definitely increased. Going back to the Savings & Loan crisis of 1980’s the focus...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Several areas of concern in the roofing industry have resulted in a negative reputation for many companies and the industry at large. With high costs for repairs, inaccurate and dangerous inspection methods, and a lack...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Thousands of Fountain and Colorado Springs CO are residents were bury cleaning up and meeting with insurance adjusters after an unusual early morning June 13th storm that pounded vehicles and roofs with golf ball size...

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Related: Vandalism, an explosion and a vacant property The risky side of vacant properties - From a 1st party property perspective, theft is a concern. Thieves will often loot for copper wiring as it’s a highly...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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More and more contractors are being required to work under owner controlled insurance programs (OCIPs). At one time, these programs were limited to large single-site projects. As time goes by, they are appearing on...

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Construction Risk Management provides insight into some of the thorniest risk and insurance issues that arise on construction projects. Do you utilize subcontractors on your construction projects? Do your construction...

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Hiking is a wonderful way to immerse yourself in the outdoors. Transported by your own two feet and carrying only what you need for the day on your back, you can discover the beauty of nature at whatever pace you’re...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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The U.S. Court of Appeals for the Eleventh Circuit, reversing a decision by the U.S. District Court for the Southern District of Florida, has ruled that a liability insurer had no duty to defend its insured against a...

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Message from the Editor ISO's New Personal Flood Insurance Product - It is no secret that the National Flood Insurance Program (NFIP) is drowning in billions of dollars of debt, and the dire situation dramatically...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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Despite the fact that not everyone loves American football - particularly in light of its recent politicization via the "Take a Knee" campaign - most everyone loves a party. That makes the ad hoc holiday known as Super...

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Colorado Springs is a vibrant community. Starting out as smaller city not too far back, Colorado Springs is now home to approximately 674,000 people. With the growing population the city has also been expanding from an...

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Colorado winters can be unpredictable. Just when you think it is over, local TV and radio stations report on snow storms on the way. Do you know what to do in the event of a power outage this winter? Proper preparation...

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern Colorado home is a “perfect storm,” according to safety consulting...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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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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From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the right insurance in place. One lawsuit...

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Did you know that more than half million entrepreneurs start a business each month across the country? That’s stiff competition! Making the right insurance moves can mean the difference between a first-anniversary...

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You finally did it. You started your own business. You get to work from home. No more battling the traffic on SH 83 and SH 115 or dealing with the constant backups on I25. While you’re saving money on your commute, make...

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You never want to hear the words: "Your policy has been canceled" from an insurance company. Finding out that your car insurance policy hasn’t been renewed is no picnic either. However, the difference between ...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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As an apartment building owner, you have a lot of balls in the air. And just when you think you’ve got the rhythm down and are juggling everything just right, another ball is thrown into the mix. Would you be prepared?...

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Have you ever heard a news anchor try to explain the latest mega breach, data breach or security breach? It’s hard to follow the story because it’s difficult to comprehend – for the reporter and the viewer. Cyber...

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Many nonprofit organizations, like for-profit businesses, are facing a shortage of workers, both paid and volunteer. At the same time, volunteer work has become a way for students and the unemployed to gain or retain...

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If you own an apartment building, you have a lot to worry about. Aside from tenants needing round-the-clock assurance that their concerns are being addressed, there are other business elements that apartment owners need...

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Pinnacol’s Announces 2017 Rate Decrease and Intent to Issue a General Dividend Rates • On Nov. 2, 2016, Pinnacol Assurance’s board of directors approved a 3.2 percent average rate decrease across our book of business. •...

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What Should Apartment Building Owners in Colorado Consider When Evaluating Insurance Options? If you are a landlord looking for apartment owners insurance, Congratulations! You are taking your responsibilities as an...

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At Southern Colorado Insurance Center, we know that no type of business or workplace is completely free of risks. We also know that not every insurance product is right for every business. If you are an employer in the...

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We at Southern Colorado Insurance Center understand that every contractor or construction company in Colorado is unique and has special insurance considerations. For contractors and construction companies, it doesn’t...

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At Southern Colorado Insurance Center, we can help you with the insurance products you need in order to protect your Colorado landscaping business. Not only do we want you to stay safe, but we also want you to...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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At Southern Colorado Insurance Center, we know you want to take on those big dreams. Some situations fire up your imagination with so many possibilities: You find a house on the auction block for unpaid taxes or an...

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At Southern Colorado Insurance Center we have fond memories of snow days. For kids, record-breaking snowfall can be exciting and fun. What youngster doesn’t enjoy a cold winter day while school is closed—a day for...

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Some people might think that printing hasn’t changed much over the past couple centuries, but they’d be wrong, and not just about moveable type and copper plates. These days, the printing business in Colorado involves...

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At Southern Colorado Insurance Center we know that it can be a challenge to find the right insurance when your manufactured home is important to you. Many insurers don’t know the difference between manufactured homes...

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At Southern Colorado Insurance Centerwe know that your oil and gas contracting business wants to keep a safe workplace and avoid worker injuries. You're in a dynamic industry that explores the unknown and finds...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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At Southern Colorado Insurance Center we want to do everything we can to help you protect your business, and help you understand the importance of your insurance. Most business owners know that they need general...

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At Southern Colorado Insurance Center, we share your concern that excavation sites are serious business. Youngsters find digging fascinating. They love the sight and sound of the heavy equipment and the discovery of...

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As a carpenter you have a lot on your mind. For construction carpentry, you’re concerned with finding the right dimension in lumber or particle board and creating solid work that will stand the test of time. You and...

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Small business owners are busy. It goes with the territory. So here’s a collection of 10 useful small business apps to help make running your business a little bit easier. 1. Expensify You know expense receipt-keeping...

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NFL preseason is here. Know this season's kick off times with the NFL 2016 preseason schedule. http://j.mp/2bCzH2v

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At Southern Colorado Insurance Center we appreciate the hard work your landscaping, lawn-care or gardening business delivers to help both homes and places of business look their best. You and your team can enhance curb...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger.According to the U.S. Centers for...

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There are (virtual) Pokémon among us. They’re in our parks, on our sidewalks and at our national monuments. And, you can catch them and train them for battle with the Pokémon Go game for mobile phones. In the world of...

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Of all the types of insurance available, auto insurance is likely the one you feel most familiar with. All but a handful of states require some insurance to drive, which makes getting car insurance almost as much a rite...

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Every week Southern CO Insurance receives reports of new claims, at child care centers, that involve one type of criminal activity or another. It appears that the same thing motivates most of these types of activity:...

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Although it sounds counter intuitive, subcontractors who tighten their belts and survive an economic downturn sometimes fall apart at the seams during the subsequent recovery. In their exuberance about new job...

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School Critical Protection & Recovery (CPR) Insurance Program Student accident programs have always been designed to protect students while they are the responsibility of school staff. However, in today’s world,...

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Take Heat Stress Seriously Summer is fast approaching and with that comes a host of heat associated risks for your employees. Did you know it takes almost 10 days for the human body to adapt to working in hot weather?...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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We all know that owning a home is an expensive investment. Unfortunately, you can’t just move in and let it set. Homes require constant maintenance to ensure you don’t get costly damage. We suggest doing a yearly home...

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Southern Colorado Insurance Center discusses many ways to lower your energy bill in Colorado Springs, CO each month. Follow these easy steps. Everyone loves to save money especially if it’s done with a few easy steps....

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Spring season can bring so much joy to garden lovers. Growing your own garden saves money on groceries each week, plus can give you the personal satisfaction of growing your own food. It’s fun when you can involve your...

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Switching your insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch. Tip #1: Compare Apples to Apples - You’ve seen the commercials – “average...

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A must read, provided by Projects and Energy Weekly Snippets , 18 March 2016 http://www.hoganlovells.com/projects-and-energy-weekly-snippets-03-18-2016/

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In today’s times, customers are very much aware of their rights. Whether or not a frustrated customer is standing in a long bank or retail outlet queue - be this in South Africa or even in the bustle of Paris - one is...

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Neighbors are great! You can count on them to keep an eye on your place while you’re away, let out a furry friend or even borrow some last minute ingredients! Shoot, some of your neighbors are probably some of your...

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As owner of the new manufacturing facility building project, Thyme Manufacturing Co, Inc. has recently hired the project’s general contractor - Perkins Construction, Inc. In addition to developing the minimum insurance...

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The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Colorado. If you are gearing up to travel and...

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If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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Spring is a time for rejuvenation, and, as the weather gets warmer here in Colorado Springs, Colorado, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for...

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"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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When nasty weather hits it can be easy to say, “it won’t affect me, our power never goes out!” But, being prepared in the event that you do lose power will save you a lot of nervousness and more. There are many things...

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n an “Out Front Ideas with Kimberly and Mark” webinar broadcast on Jan. 12, Kimberley George, a senior vice president at Memphis, Tenn.-based Sedgwick Claims Management Services Inc., and Mark Walls, a vice president...

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It’s important for every driver to know how to drive in winter weather conditions. It can be challenging to drive in these conditions, but with the knowledge of the information below, you'll know how to stay safe on the...

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For most of us, we won’t have to experience a disastrous home loss such as a flood, fire, earthquake or other disaster. That doesn’t mean any of us should be less prepared for such an event should one occur. Preparing a...

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About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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Cold weather is coming! Take steps now to prevent frozen pipes in your home It’s about to get very cold outside! Freezing temperatures can lead to frozen pipes and water damage in your home. Fortunately, there are...

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It’s cold outside! Here are two simple ways you can help prevent frozen pipes: 1. Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. 2. Keep heat at 55 degrees or higher even...

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The Trucking Industry Is Changing Technology and new regulations are adding to safety for the trucking industry but also adding considerable costs. The electronic logging devices (ELD) will help drivers more easily...

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Are you doing everything you can to be comfortable at work? There are some simple things you can do to help improve your comfort. To start, if you have never adjusted your desk chair, you may be putting some unnecessary...

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It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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Everyone today is connected in some way to social media. It can be by Facebook, Yelp, email or other internet outlets. When you write something, you leave your fingerprint for everyone to see. If you go to a restaurant,...

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Floods are the most devastating natural disaster in the United States each year causing billions in losses and displacing thousands. While flooding is a common concern for those near rivers and streams, all homes in the...

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Happy and Safe Holidays By Mike Huss Loss Control Supervisor The holiday season is here, and along with the weather, decorations, shopping, and celebrations comes a heightened concern for safety. All the activities,...

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Would You Know What To Do In the Event You Have a Driving Emergency - Driving hazards present themselves daily and can occur year-round in every state. But, would you know what to do in the event a driving hazard...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Renters Insurance Policies Help Protect More Than Just Your Personal Items - If you’re like 2 out of every 3 renters who rent a home, apartment or other dwelling, you don’t carry a renters insurance policy. The reason...

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n 2014, U.S. companies had at least a 11.7% chance of an employment lawsuit being filed against them. However, in 11 states plus the District of Columbia, the percentage is much higher. These states have discrimination...

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Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Southern CO Insurance Center is pleased to now provide a Small Fleet Truckers Occupational Accident Program, available to the majority of the United States market. Open to accounts of all sizes, it is specifically...

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How to Keep Your Teen Safe on the Road - Southern Colorado Insurance Center discusses five safety rules by the NHTSA to keep teens safe while driving in Colorado Springs, CO. This week represents National Teen Driver...

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Curtis, a Boxer from Princeton, W. Va., has won the 2015 Hambone Award, which honors the most unusual pet insurance claim of the year. Curtis earned the nomination after he swallowed a wooden barbeque skewer, which...

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Preventing Ice Dams Winter is just around the corner and now is the time to let your customers know the steps to take in preventing damage to their home from ice dams. Ice dams are formed when melting snow and ice...

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Each year, after homeowners cover their pools and shut off their sprinkler systems, there’s a window of time during the fall when the weather is pleasant enough to get a head start on home maintenance. Winter’s harsh...

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While the leaves are changing across much of the country, it’s also that time of year when drivers are more likely to encounter deer – especially during their morning and evening commutes. As those bucks are rushing...

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An article in CCJ reflects information that we have been saying and that was included in the March webinar. Congress is pushing back on FMCSA. Recent headlines: March 4, 2015 – “Senator Deb Fischer to Offer FMCSA Reform...

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Workplace fires account for many injuries and deaths as well as millions of dollars worth of property damage and loss every year. Many of them can be stopped with careful on-the-job fire prevention techniques. It sounds...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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Pet parents want to keep their furry loved ones safe in every situation. The National Fire Protection Association (NFPA) recently released a Pet Fire Safety tip sheet with advice on how to prevent pet-related fires....

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Curious about what happens during an inspection conducted by the Occupational Health and Safety Administration (OSHA) and how to get ready for one? If so, here are some tips and guidelines that may come in handy. For...

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he Miscommunication and Misuse of Motor Carrier Data When assessing the safety of a commercial auto operation, there is more freely available information today than ever before. As with all data that is easily...

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Not Likely! Many companies assume that if they hire professionals to manage their website, there is no need to buy their own Cyber policy. This is an incorrect assumption. Multiple laws, both federal and state, define...

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Please check out the latest edition of Loss Control & You, Markel FirstComp's accident prevention newsletter. Feel free to pass this resource along to others in your organization that may find it useful. Loss...

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Unfortunately, data breaches have become an extremely common occurrence. Not all of them have the high-profile of a Target, Ashley Madison, Home Depot or Anthem breach, but the damage to a company and its reputation is...

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I understand that Foundation members’ main focus is providing services to interstate for-hire motor carriers, which in most cases, would be insuring 18-wheelers. I have in previous information stated that the Unified...

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The U.S. Department of Labor today issued guidance to assess whether a worker is properly classified as an independent contractor. The guidance also helps to determine who is an employee under the Fair Labor Standards...

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Employee wellness has become an increasingly hot topic, fanned by studies that suggest sitting for extended periods of time, poor ergonomics and fatigue on the job can lead to potential health issues. However, a new...

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Enforcement of the new Confined Spaces in Construction Standard, issued by the Occupational Health and Safety Administration (OSHA) on May 4, will be postponed until Oct. 2, the agency announced today. Extension...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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The Federal Motor Carrier Safety Administration (FMCSA), a division of the U.S. Department of Transportation (DOT), is reviewing comments on the proposal for regulations that would increase the financial responsibility...

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New requirements for Colorado Property Managers become effective July 1, 2015. Every active licensed Community Association Manager (CAM) company and licensed CAM sole proprietorship in the state of Colorado, must have...

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There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don't get stuck in traffic, either). And they even have fun - as long as...

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Springtime is here … and so is severe weather season We're all glad that the weather is finally warming back up. But this is also a dangerous time of year — those warming temperatures can bring severe weather and...

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From genetically modified crops to the environmental and health effects of pesticides, more and more Colorado residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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According to recent figures from the U.S. Census Bureau's Value of Construction Put in Place Survey, more than $980,000,000,000 was invested in construction work across the country in 2014. That is an increase of 2.1%,...

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Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member, it may be a good time of the year to provide some extra...

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Workers' compensation claim-related fraud can be costly, but by knowing the warning signs, businesses can help prevent it. Following are several "red flags" that are common signals of potential workers' compensation...

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New way of STEALING... ESPECIALLY LOOK AT SCENE THREE... Be sure to read Scene 3. Quite interesting. This is a new one. People sure stay busy > Trying to cheat us, don't they? SCENE 1. A friend went to the local gym...

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Litigation over whether a Commercial General Liability insurance (CGL) policy provides coverage for faulty workmanship claims is rapidly evolving. Since 2012, six state supreme courts (CT, WV, ND, AL, GA, and OH)1 have...

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1. Fail to see a collapse coming. All markets are local, and they all go through an up-and-down cycle, Stephani said. He said builders need to keep tabs of warning signs by monitoring the number of starts in their area,...

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As a driver, you can forget about greed and gluttony. Instead, you need to beware of other deadly sins that could mean you'll have a devil of a time when it comes to purchasing auto insurance. If you commit one of these...

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As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Still frying your turkey? Although the craze for cooking the Thanksgiving turkey in an outdoor gas-fueled fryer that uses hot oil seems to have faded, some people continue to fry their turkey. But there is a safe way to...

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October is Cyber Security Awareness month, a reminder for consumers to review their bank statements and credit card bills to confirm that all the transactions listed are legitimate. Individuals should also be vigilant...

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Usually, an organization is treated as a separate legal entity, and its directors and/or officers shareholders would not be directly financially responsible for its trials and tribulations. However, if an organization...

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Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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It's summertime, and peak season for vacationers and car rentals. Even though most standard auto insurance policies cover rental cars, roughly 20% of consumers always purchase supplemental coverage when renting a car,...

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In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Southern Colorado Insurance Center,we know you want to protect what's important. That's why we're offering...

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An article written by the Insurance Journal early last year stated that 1 in 20 credit reports had errors in it. That's right...your credit report may contain some errors! What does this mean? Well, if you don't...

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With the warmer weather comes the dryer air. Not only does this affect your allergies, it also can affect the fire danger and severe weather alerts we get. Luckily every severe weather alert does not guarantee a bad...

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Did you know that National Playground Safety Weeks is this week? What is National Playground Safety Week? National Playground Safety Week is a week dedicated to the preservation and safety maintenance of our playgrounds....

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Easter Sunday is only a couple days away! If you have plans to throw a party or an Easter egg hunt for the kids, here are a few ideas to guide you in the right direction. To add some additional fun to your egg hunt:...

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It's April already! That means that the warm weather and holidays are headed our way. With Easter coming up and Memorial Day after that, we can only imagine what fun plans and BBQ's you are planning for your family!...

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While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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A newly released study by global information protection expert Symantec Corp. delves into the problem of cyber security and suggests that we’ve only seen the tip of the iceberg. The increase in mega breaches, aggressive...

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We all know that we should insulate our windows and doors in the fall in preparation for winter. However, a lot of people have started insulating their windows and doors in the spring time as well to help keep not only...

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Colorado Springs has been repeatedly named one of the most active cities in the nation. We have events, exercise activities and lots of local stores that help to add to this title we proudly carry. As we get further in...

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Being an insurance broker, I come across some very unique claims and back-stories. Looking at some that happened nationwide or even internationally can really get you thinking. I thought it would be fun to mention some...

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With summer coming up on all of us so quickly, some of you might be planning your family vacations already. Kudos for you for planning ahead! Vacations can be expensive and starting a budget plan early in the year can...

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There are numerous lessons that you can teach your kids using everyday actions. It may not be the fastest thing to do but they will retain the lessons much better if they have an associated event or memory to attribute...

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There is a debate of how you should pay your monthly insurance premiums. Some say they prefer using credit cards, some say they prefer a check or schedule a withdrawal from their bank accounts. There are pros and cons...

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We have all seen the commercials with the spokesperson trying to influence others to try a little white click-in box to monitor your driving habits. These boxes are becoming more and more popular with some Auto...

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Coming out of retirement, back into the work force, I noticed "age-ism" in a big way Thought I'd share this article with my fellow business owners Preventing Age Discrimination Develop Tenure Employees March 18, 2014 BY...

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Spring has sprung! Yesterday was the first day of Spring and here in Colorado Springs that means that the wildlife has already started to explore the area. These animals include: bears, mountain lions, foxes, snakes,...

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Daylight Saving Time begins Sunday, March 9, 2014, for most places in the United States, so don't forget to set your clock forward one hour. We here at Southern Colorado Insurance Center want to remind you it's also a...

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Check out these facts about Colorado residents on St. Patrick's Day! In 2012, there were 424 arrests and four deaths throughout the state of Colorado because of drunk driving on St. Patrick's Day alone The cost of a cab...

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With all the newest phone models and brands hitting the market at such a fast rate, it seems like getting phone insurance would be the best idea to cover the purchase and commitment you're about to make. However, this...

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Whether you have a family or are planning on creating one, there is a lot of information out there about how to best prepare for such a venture. Some of the information that may be so well-known or easy to find is the...

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Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Insurance can be a complicated thing to figure out, especially if you are trying to do it on your own. We at Southern Colorado Insurance Center work to make things easier for you by finding you the best fitting policies...

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Choosing a college should depend on more than just tuition. Don’t get me wrong, tuition is a major aspect of college, especially if you are helping put your child through it. However, there are a lot more things to...

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If you are not familiar with insurance terms or the vast complexity of all of the different areas and parts of insurance policies, you may not know what Med-Pay is. Med-Pay is actually very important, especially with...

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Weather events continue to dominant the headlines. Property damage, power outages, closed roads – these and other after-effects of severe weather can force a business to close with financial repercussions that quickly...

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How many parents out there have gone into a child care center or daycare and taken the tours offered? If you have looked into child care you should have raised your hand. There is a lot to learn about child care centers...

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As mentioned in our post on identity protection, a lot of businesses in the year of 2013 were forced to make public statements that large numbers of customer's personal information had been obtained through the...

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How many of us shop for insurance while shopping for our groceries? I would imagine that anyone around the Colorado Springs area would not raise their hands. This would not be the case in Tennessee where a local...

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We have all heard stories about people who have had their identity stolen. Recently we have been hearing more from companies who make comment that their systems were hacked and large numbers of people's information was...

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When I was being taught how to drive, I was given the ABC's of getting started. I don't mean the how-to's or the what-to-do's, I mean the actual ABC: A - Always Adjust for safety B - Buckle your seatbelt C - Check...

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Many people (including us) have started if not kept up with blogging for years. Some have started their own, personal blogs; others use it to keep people up to date about their business and the trends of their...

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Anyone who has worked in child care of any kind knows that there will be a turnover on the children that are enrolled. Even if you haven't worked in child care, your child's class ever seems to stay the same does it? ...

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Most people would say their car is one of the most valuable assets they own - if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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In the current economic climate, first-dollar coverage has become a luxury that many commercial insureds can no longer afford. Although policies with large self-insured retentions (SIRs) and deductibles have always been...

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Valentine's Day is approaching quicker than anyone is willing to admit. Hopefully you and your significant other have some special plans (or surprises) in the works for each other. We at Southern Colorado Insurance...

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It's 7:30 on a Monday morning. You wake up, start your coffee maker and notice that it's snowing outside. You get ready as usual, you make sure your insurance is up to date (as I'm sure we all do early Monday mornings)...

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Your workers’ compensation premium is determined by a formula that has three primary elements: 1. The type of business you have 2. Your business’s history of workplace accidents 3. The total payroll of your business The...

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The construction industry is rebounding or possibly the rebound in the construction industry is leading an improving economy This is a good month to look at contractors. Thanks to the improving economy, the construction...

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Lately we have been hearing more and more about the horrors of floods. Locally you probably know someone who has gone through flood damage or someone who has lost a home due to a flood and learned after the fact that...

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There's something creeping towards all of us! We never quite feel ready for it when it gets here... It raises our blood pressure... It relies on year-long panic of when it comes back... It's....It's...It's TAX TIME! ...

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What team will win the Super Bowl is the question many people are wondering around this time of year. With the game quickly approaching, our own diligent team at Southern Colorado Insurance Center wants to give you a...

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It goes without saying that keeping yourself and your family healthy through the winter months can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds at school...

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Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Colorado Football brings with it a whole host of seasonal activities...

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Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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FEMA Chief: Congress, Not FEMA, Has Power to Delay NFIP Rate Increases The head of the Federal Emergency Management Administration said his hands are tied when it comes to flood insurance rates, despite growing concern...

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The Federal Emergency Management Agency (FEMA) continues to support state and local response efforts to the flooding in Colorado through its National Watch Center in Washington and its Regional Response Coordination...

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Per Property 360: Members of Congress are demanding that the Federal Emergency Management Agency finesse the impact of steep flood insurance premium increases mandated by a 2012 law even as a key government watchdog...

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No matter how big your RV is, you will likely always be short on space. It's hard to leave anything behind when you're packing up, so consider ways you can pack smart. 1) Compact is king: This one seems obvious, but it'...

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Dog-bite claims cost insurers over $489 million in 2012, accounting for more than a third of all homeowners insurance liability claim dollars paid out in the year, according to a study by the Insurance Information...

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Tips for packing, saving and planning Right now, LiveLifeLocal is highlighting tips to help take the stress out of trip planning this travel season. For example: Plan ahead. An unplanned adventure can bring a sense of...

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June 12, 2013 Steve Bartolin, President and Chief Executive Officer of The BroAdmoor, has advised the Colorado Springs Regional Business Alliance that the food that was to be served at tomorrow's State of the City...

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There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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No one can predict when or where weather events like a hurricane will occur. Meteorologists may offer some warning and do a great job of explaining the conditions that created the event. But that's little comfort to a...

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Good Preparation Can Aid Recovery For businesses, emergency preparedness planning can make the difference between staying in business and losing everything. Having a disaster preparedness guide is one of the easiest...

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Oklahoma is joining Texas as the only states that allow employers to opt-out of the workers’ compensation system. Under S.B. 1062, Oklahoma employers would have to offer injured employees alternative benefit systems...

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At Southern Colorado Insurance Center we understand event insurance, especially for weddings The most memorable day of your life should be protected by accidents and/or unfortunate weather conditions Here are a few...

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What’s covered, what's not? Safeco's Homeowners policy provides coverage for water that backs up through sewers or drains as long as it originates on premises. As this chart shows, the optional endorsement expands the...

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Spring is a time of new beginnings in Colorado springs CO-and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Southern CO Insurance Center,...

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In today's world of commerce, insurance professionals and their manufacturing clients need to understand the shipping environment, whether their goods will travel across the country or across the ocean. In highly...

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Heating systems, air conditioners, electronic equipment and major appliances are all important to everyday comfort and convenience, but it’s easy for consumers to take them for granted. When one of these items breaks...

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No matter the size, type, or location of your business, hiring the right talent plays a critical role in your venture’s success. High performing employees can help you grow faster, run smoother, and have a direct impact...

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Southern Colorado Insurance Center is proud to introduce todays happy customer Mr and Mrs Boller came to us with their hobby farm policy with a company they've been with for over 5 years. Their premium had increased 35%!...

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Southern Colorado Insurance Center is proud to introduce todays happy customer Mr and Mrs Boller came to us with their hobby farm policy with a company they've been with for over 5 years. Their premium had increased 35%!...

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According to the latest government statistics, one in every six homes in the U.S. will be burglarized this year, resulting in an average loss of $1,675 per burglary. And this figure doesn’t account for the trauma caused...

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Good Morning Colorado drivers, please share this with the newly licencsed drivers in your household! Moving forward, backward, or steering left or right from a stopped position can create an unexpected hazard for both...

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Completing the school week in kindergarten, looking forward to eating cereal in front of the television, watching cartoons on Saturday, you see, we began our journey of visioneering at 5 years old. Visioneering is the...

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1.General Liability and Umbrella/Excess coverage with the same carrier 2.Liability for common areas including swimming pools, tennis courts, lakes and playgrounds 3.Property manager included as an additional insured 4....

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If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Southern Colorado Insurance Center wish you a safe...

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Will your family be traveling over the river and through the woods to celebrate the holidays at Grandmother's house? So will nearly 40 million other Americans, so consider the following tips to help make your travels...

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You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Southern Colorado Insurance Center we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the...

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At Southern Colorado Insurance Center we understand the risks and coverages need to provide the protection your SNOW REMOVAL business requires Call us today at 719-329-4441~!

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Have you ever stared out the window and wondered what there is to do here in Colorado Springs? Here at Southern CO Insurance Center, we know that Colorado Springs has a lot to offer, so we’re excited to see how...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in...

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As we move into our wonderful Colorado Winter please stay safe and warm with the following suggestions from Southern Co Insurance Center: 1. Make sure you have a stock of: Drinking water; Food that doesn’t need to be...

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It's a night full of treats for both kids and adults in Colorado Springs. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door -...

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Ask yourself, "Do I have customers or do I have advocates?" Let's chat about the difference..

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Sandy and Bob with Cascade Escapes referred their friends Debbie and Brian to Southern Colorado Insurance Center. Thank you! Debbie and Brian were being NONRENEWED by their insurance company of 8 years. Unfortunately we...

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Everyone knows how dangerous it is to text while behind the wheel of a moving car. This guy has upped the ante by taking his hands off the handlebars of his motorbike while texting! This biker is traveling at between 50...

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Southern Colorado Insurance is your partner in being Safe and smart. To the Excavation contractors here at SCIC and thoughout Colorado... Safety Smart shared this experience "The sight was enough to make three grown men...

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It's an exciting time when your child heads off to college. Whether they're attending school in Colorado or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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There are lots of outside animals that love to make their home in yours. And they will absolutely destroy your house if given the opportunity. But it often comes as a surprise to people that a property policy doesn’t...

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Construction General Liability insurance provides protection against two types of financial loss arising out of a lawsuit against the company. First, it coveras damages awarded to a third party because of injury or...

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There's nothing quite like taking a road trip in an RV. Whether you're headed to somewhere nearby or somewhere farther away this summer, Southern Colorado Insurance Center wants you to get the most out of your travels....

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Protect your restaurant, your customers, and your reputation Restaurant and foodservice owners across Colorado know the importance of managing the cold and how seriously it needs to be followed to prevent food borne...

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Many small business owners have typically not worried about professional liability claims. However, due to the past few years economy, those worries are now increasing. We are seeing small business sued who in...

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If you are in business for yourself or working for others it is likely that you need some form of commercial vehicle insurance. Whether you are a hauler, transporter, contractor or any other type of business that...

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Does every business need to have it? Worker's compensation insurance is required in just about every state although specific standards vary. . For specific requirements, contact your state department of insurance....

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In general, a Business Owners Policy may do the trick for a lot of businesses. A cursory will review makes it look pretty inclusive. It is important however to read it carefully, and make note of any exclusions written...

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