Category: Insurance

Commercial insurance for riskier businesses, such as travel companies and other firms, is critical to get right. At Advantage Service Insurance, we can help risky Erie, CO businesses, such as hunting tours, get the insurance they need to protect themselves from various risks.

Liability Protection 

Typically, a commercial insurance policy will provide you with liability support to minimize things like how much you spend on lawsuits. Liability coverage will ensure that you can pay for lawsuits and various legal issues to protect you.

Property Coverage 

Your business likely has a lot of property and other items you need to operate properly. Commercial insurance can protect you by providing help repairing and replacing damaged items. It usually covers unexpected issues, like fires, and not general wear and tear problems.

Umbrella Support 

Umbrella insurance policies can often pair with commercial coverage options and improve your liability. For example, it will increase the amount of money you can get from your pay and ensure you cover serious lawsuits and other potential legal fees in a case. 

Risk Mitigation 

The best commercial insurance policies can help mitigate your risk by protecting you from various issues. For example, if you run a company with a higher potential for physical injury, a policy can ensure you get support and avoid paying too much money.

Managing Insurance Properly 

If you’re interested in commercial insurance for your risky business, please don’t hesitate to contact us at Advantage Service Insurance to learn more. We can help Erie, CO, residents and those outside the area learn more about their coverage options and ensure they get the desired results. Call us now to learn more about what we have to provide you.

For snow enthusiasts in and around the Erie, CO area, winter is a magical season filled with outdoor fun and adventure opportunities. Whether you’re a snowmobiler, skier, or snowboarder, having the right insurance coverage for your winter toys is essential.

Understanding Winter Toys

Winter toys encompass various recreational vehicles and equipment designed for winter activities. These may include snowmobiles, skis, snowboards, ice fishing gear, and more. 

Types of Winter Toy Insurance

Several types of insurance can help protect your winter toys:

• Snowmobile Insurance: If you own a snowmobile, you’ll need a specific insurance policy. This coverage can protect you in case of accidents, theft, or damage to your snowmobile.
• Winter Sports Insurance: Winter sports insurance covers skiing, snowboarding, and ice skating activities. It can cover medical expenses, equipment damage, and trip cancelations due to unforeseen events.
• Personal Articles Policy: This policy can cover valuable winter sports equipment like skis, snowboards, and ice fishing gear. It often provides coverage against theft, damage, or loss, both on and off the slopes.

Factors to Consider

When selecting insurance coverage for your winter toys, consider the following factors:

• Coverage Limits: Ensure your policy offers adequate coverage limits to replace your equipment or pay for medical expenses in case of an accident.
• Deductibles: Understand the deductible amount in the event of a claim.
• Additional Coverage: Explore options for extra coverage, such as coverage for skiing or equipment rental reimbursement. Combining policies can also help lower the premiums with additional coverage. 
• Policy Exclusions: Familiarize yourself with any policy exclusions, such as coverage limitations for extreme sports or certain medical conditions.

Advantage Service Insurance Can Help You

At Advantage Service Insurance, we can answer all your questions concerning winter toy insurance. We assist the Erie, CO area. Contact us today. 

Being a motorhome owner is a good option for people in the Erie, CO area. Owning a motor home will provide you with both a reliable mode of transportation and a safe place to sleep at night. This can make it an ideal option if you want to take a long road trip or are looking for a new housing option. When purchasing a motor home, you need to carefully consider your car home insurance options, as they can offer various benefits. 

Coverage for your Motor Home

A top reason to get a motor home insurance plan is to get coverage for the asset. When you buy a motor home, you will be making a significant purchase and will have an asset you will want to use and enjoy for a long time. When you have motor home insurance, you will have coverage if it is damaged or stolen. 

Liability Support

Getting a motor home insurance plan to receive liability support is also a good idea. There is always a chance you can be held liable for an accident when driving the motor home or if a guest is injured when not on the road. A motorhome policy will provide coverage for these risks. 

Any motorhome owner in the Erie, CO area needs to ensure they have proper coverage. A great way to ensure you have the proper support is by calling our professionals with Advantage Service Insurance. When you call our Advantage Service Insurance team, you will learn far more about your insurance options. We can also provide any support you need to ensure you remain adequately covered at all times. 

Owning a motorcycle can be a great experience, but you want to stay on top of possible risk factors. Here at Advantage Service Insurance, serving Erie, CO, and the surrounding areas, we want to help you stay safe on the road in every way possible. Keep reading to learn more about the top three risks for motorcycle owners. 

Debris

Ware riding your bike, road debris can be a considerable risk factor. Because you will not have the added protection of the frame of a vehicle, you might easily be thrown from your bike if you hit debris, especially if it is significant. This is why it is immoral ways to obey the speed limits and stay focused on your surroundings. 

Blind Spots

Another risk for bikers is blind spots. Although your bike does not have blind spots, all of the vehicles around you will have blind spots. Because you and your bike take up very little space on the road, it’s easy for you to get lost in someone else’s blind spot. If this happens, you could wind up in an accident. Blind spots are hazardous. It is vital that you learn how to identify potential blind spots and stay out of them. You can do this by learning which areas of certain size vehicles fall into a blind spot. You can then avoid being in that space beside that vehicle. You can either slow down to leave the blind spot or speed up. 

Uneven Road Surfaces

Uneven road surfaces annoy everyone, but they can be dangerous for bikers. Uneven bumps can knock a biker off of their bike. Use safe speed and be aware of your surroundings. 

If you want to learn more about motorcycle insurance, don’t hesitate to contact us at Advantage Service Insurance, serving Erie, CO, and the surrounding areas. 

As the summer months approach here in the Erie, CO, area, it’s essential to be aware of the potential for storms on the open water. With heavy winds and choppy waves, bad weather can quickly put a damper on any boating trip. To ensure that your vessel is prepared for a storm, here are some helpful tips from us at Advantage Service Insurance: 

1. Ensure all windows, hatches, and doors are securely closed and latched. 
2. Check all ropes and mooring lines to make sure they’re taut and secure. 
3. Install extra lines if needed – these can be used to tie down loose equipment or furniture and help keep the boat from drifting away in high winds. 
4. Remove any sails from the boat or stow them away in case of high winds, which could cause damage. 
5. Securely store any valuables or items that could get lost or damaged during a storm. 
6. Double-check that all fuel tanks are secure and tightly sealed against leaks or spills during turbulent waters. 
7. Ensure your bilge pump works correctly to quickly remove the excess water should your boat begin to take on water during a storm surge or heavy rain.  
8. Lastly, ensure you have an emergency kit aboard with first aid supplies and other essential items such as food, water, and flashlights – just in case! 

These tips help ensure you and your boat stay safe and sound when a storm hits! For more safety tips, call us at Advantage Service Insurance today. We proudly serve the Erie, CO area and would happily help you find the right policy for your needs.

Why You Need Umbrella Insurance in Colorado 

If you’re a homeowner in Colorado, the last thing you want to do is get caught without an umbrella insurance policy to cover additional expenses if something goes wrong. 

Umbrella insurance policies provide financial protection by extending financial coverage for accident or property damage claims not covered by your home or auto insurance policies. 

Colorado-area residents who want to protect their financial interests use umbrella insurance to provide them with additional financial protection. Umbrella insurance add-ons reduce costs by covering out-of-pocket expenses related to auto accidents, injuries, and other property damage. 

The insurance agents at Advantage Service Insurance and Erie, CO can help you choose the best umbrella insurance policy to avoid paying for added costs that exceed the limits of your current policy. 

Don’t Get Caught without Umbrella Insurance in Colorado! 

Your umbrella insurance policy can be customized to automatically pick up where traditional insurance coverage ends. 

For example, if you or another covered person on your auto insurance policy have an at-fault auto accident where the damages exceed existing policy coverage, an umbrella insurance policy can reduce your remaining out-of-pocket expenses. 

Another example of umbrella insurance in action is if someone is accidentally injured on your property and you don’t have enough liability insurance to cover the cost of a related lawsuit. 

An umbrella insurance policy can provide policyholders with additional liability costs, which protects your assets and reduces out-of-pocket costs. 

Get Affordable Umbrella Insurance in Colorado

If you’re serious about safeguarding your assets and extending the limits of your current insurance policy, talk to an insurance professional at Advantage Service Insurance in Erie, CO, and get a custom quote for umbrella insurance today! 

As a team, we understand how devastating floods can be to homes and businesses in Erie, CO. That’s why we believe it’s important for our clients to have a clear understanding of their flood insurance coverage.

Flood Insurance: What You Need To Know

First and foremost, it’s important to know that standard homeowners insurance policies typically do not cover flood damage. That’s where flood insurance comes in. At Advantage Service Insurance, we offer flood insurance policies through a number of outlets, including private insurance carriers.

When it comes to flood insurance coverage, there are typically two types of coverage available: building property coverage and personal property coverage. Building property coverage typically covers the physical structure of your home or business, including the foundation, walls, floors, and ceiling. Personal property coverage, on the other hand, covers your personal belongings such as furniture, electronics, and clothing.

It’s important to note that flood insurance policies have limitations and exclusions. For example, most policies will not cover damage to your basement or any items that were stored in your basement. Additionally, damage caused by sewer backups or sump pump failures may not be covered under a standard flood insurance policy.

At Advantage Service Insurance, we recommend that our clients take the time to review their flood insurance policies and understand what is and is not covered. We also advise our clients to consider purchasing additional coverage or endorsements to their policy to ensure they have adequate protection.

Finally, in the event of a flood, it’s important to contact us as soon as possible to file a claim. We will work with you every step of the way to ensure a smooth claims process and get you the coverage you need to recover from the flood damage.

Reach Out To Us Today

Flood insurance is a critical component of protecting your home or business in Erie, CO from flood damage. At Advantage Service Insurance, we are committed to providing our clients with the knowledge and resources they need to understand their coverage and make informed decisions. Contact us today to learn more about our flood insurance policies and how we can help you protect your property.

Affordability, ease of resale, low maintenance, and increased security are some of the benefits that draw people to condos. Now that you have moved into your condo, you must consider condo insurance or HO6 insurance—it’ll protect your property and possessions.  But do you know there are certain mistakes you could make when purchasing insurance in Erie, CO?

Here are a few:

Failing to read the fine print in the policy document carefully

Not reading through the entire policy before signing is a common mistake most people make — reading the fine print is important. Ask our team at Advantage Service Insurance any questions about what you don’t understand. Without reading the policy document, you may sign something that will cost you more in the long run. Investing in a condo is a huge investment. Don’t increase your risks because you didn’t review the policy document.

Having insufficient coverage

Not having enough coverage is another big mistake insurers make. The mistake occurs when you don’t value your possessions properly. When a disaster happens, you’ll pay for the difference out of pocket. The solution is to take time when valuing your property to insure its actual costs.

Overlooking perils that are not covered by your policy

Insurance for your condos varies depending on numerous factors. The HO6 insurance covers damage inside the condo. Never assume that you only need condo association coverage. Ensure you review your policy to understand what’s covered. That way, you’ll know what you can recover once disaster strikes. 

Give Us A Call – We Are Here to Help!

By avoiding the above mistakes when buying condo insurance, you’ll rest easy knowing your valuable property is protected. Advantage Service Insurance Erie, CO can help with your condominium insurance. If you need help insuring your condo, contact us today.

If you’re a classic car enthusiast in Erie, CO, you may be wondering if classic car insurance also covers classic motorcycles. The answer is yes—classic car insurance can also cover classic motorcycles.  Advantage Service Insurance is here to assist you in what you need to know about classic car and motorcycle insurance. 

Differences in Coverage 

Classic cars and motorcycles have different needs when it comes to coverage. For example, many classic cars are only driven on weekends or special occasions, whereas a classic motorcycle might be used more frequently. This means that the type of coverage you need could vary depending on how often your vehicle is used. Additionally, there may be other factors to consider such as whether or not your vehicle is stored in a garage or kept outside year-round. 

Another difference between classic car and motorcycle insurance is that certain modifications may not be covered under standard policies. Many owners of vintage vehicles make upgrades or changes to their cars or bikes in order to improve performance or customize them for racing or exhibition purposes. As such, it’s important to discuss any modifications with your insurer so that they can adjust your policy accordingly and ensure that all of your upgrades are covered in case of an accident or breakdown. 

Give Us A Call

Overall, classic car insurance can provide valuable protection for both cars and motorcycles alike. However, it’s important to understand the differences between the two types of policies so that you get the right amount of coverage for your specific needs in Erie, CO. Contact Advantage Service Insurance today to discuss how we can help protect your beloved classic car or motorcycle!

Commercial insurance is a type of insurance that business owners can purchase to protect their businesses from potential losses. There are many different types of commercial insurance, and each one offers different levels of coverage. How much commercial insurance you need depends on the size and nature of your business, as well as the risks it faces.

There are several factors you will need to take into account when deciding how much commercial insurance to buy.  Advantage Service Insurance is here to help our Erie, CO business owners. 

These are some of those factors to consider:

What size policy should I buy?

How much commercial insurance you need depends on the size and nature of your business, as well as the risks it faces. For example, a small business that does not have many employees or assets may only need a basic policy that covers property damage and liability. However, a larger business with more employees and assets will need a more comprehensive policy that offers more coverage.

Factor in the risks

The types of risks your business faces also play a role in how much commercial insurance you need. For example, if your business is located in a high-risk area, you will need to buy a policy that offers greater coverage. Similarly, if your business deals with hazardous materials or products, you will need to have a policy that specifically covers those risks.

The best time to buy

The best time to buy commercial insurance is when your business is starting up. This is because most insurers offer discounts for new customers.

Contact us today!

If you have any questions about your liability or commercial insurance coverage, call Advantage Service Insurance today. We proudly serve the Erie, CO area.