Frequently asked questions.

A captive agent works for one insurance company and can only offer that company's policies. As an independent broker, we work for you. We compare quotes from multiple major carriers and recommend the one that fits your needs and budget.

No, you don't pay extra for our help. We're paid a commission by the insurance company you choose, and that's already built into the premium. Your price is the same as going to that carrier directly, plus you get someone comparing options for you.

Yes. Call us first, and we'll help you report the claim to the carrier, explain what your policy covers, and follow up if things stall. You still deal with the carrier's adjuster, but you don't have to do it alone.

Colorado requires every driver to carry liability insurance for injuries and property damage you cause to others. Insurers must also offer uninsured and underinsured motorist coverage, and it stays on your policy unless you turn it down in writing. The state minimums are low for most households, so we usually recommend higher limits that match your income and assets.

Most standard homeowners policies cover fire and hail damage, but the details matter. Many Colorado policies have a separate wind and hail deductible, often a percentage of your home's value, and some limit roof payouts based on the roof's age. We'll walk you through your deductibles and make sure your dwelling limit would actually cover a rebuild.

A good starting point is enough to protect what you own and what you earn. That usually means at least one million dollars, more if you have significant assets, a rental property, or a teen driver at home. Umbrella coverage is usually inexpensive for the protection it adds, and we'll make sure your auto and home limits line up with it.

Forming an LLC protects your personal assets from business debts, but it doesn't cover lawsuits or damage. Most small businesses start with general liability, and many combine it with property coverage in a business owner's policy. If you have employees, Colorado generally requires workers' compensation, and vehicles used for work need commercial auto.

Price depends on what you do, your revenue and payroll, the number of employees, your location, and your claims history. For a quote, we'll ask for a short description of your operations, those numbers, any vehicles, and any contracts that require specific coverage. The more accurate the details, the more accurate the quote.

For-hire carriers hauling regulated freight across state lines in vehicles of 10,001 pounds or more must carry at least $750,000 in liability coverage under federal rules, with higher amounts for hazardous materials. Most shippers and brokers also require cargo coverage, and you may need physical damage, general liability, and non-trucking liability if you're leased to a motor carrier. We'll match your coverage and filings to your freight and your routes.

There's no single price. It depends on your units, your drivers' experience and records, what you haul, how far you run, and your safety record, including your CSA scores. New authorities usually pay more in the first few years. Send us your vehicle list, driver list, DOT number if you have one, and the commodities you haul, and we'll shop it with the carriers that write your kind of freight.