Category: Insurance

Business owners in the Erie, CO area should be prepared for anything. The team at Advantage Service Insurance is here to help business owners ensure that they are running their business compliantly, while also covering all the bases to properly protect themselves and their employees. 

While many scenarios may never play out, commercial insurance is essential to protecting the welfare of your business and for your own financial protection, too. There are so many instances where having commercial insurance will save you money, headaches, and tons of wasted time. 

When Does Commercial Insurance Come in Handy?

1. If your property is vandalized or items are stolen 

2. If your property or building is damaged in a bad weather incident and requires repairs or inventory replacement

3. If you have a lawsuit filed against you by a disgruntled customer 

While these are three of the most impactful ways commercial insurance can help your business, there are plenty more. 

The peace of mind you’ll gain by investing in a quality commercial insurance policy is invaluable. Just knowing that you are covered financially, in any event, is a great relief for many business owners. 

If you are just starting out and building a business from the ground up, make sure commercial insurance is high on your shopping list. The team at Advantage Service Insurance has plenty of agents who are well versed in commercial insurance and can help provide you with the best policy for your personal and professional needs. 

We’re serving the Erie, CO area and are happy to help you in any way we can. Our agents have years of experience working with businesses of all sizes and can get you the policy you’re looking for. 

Protecting your business requires finding a business insurance plan that provides you with the high level of coverage that you need. At Advantage Service Insurance, we can provide Erie, CO companies with policies that take care of many different elements of your needs. 

General Liability 

Your business needs liability protection from various types of dangerous situations, such as individuals getting hurt on your premises or by your products and services. 

Professional Liability 

Extends your liability beyond the basic guidelines and extends it to your customers, ensuring that they are fully protected when they work directly with you. 

Property Protection 

If your facility gets damaged by anything (such as fires or floods), your property protection coverage should ensure that you get the financial help that you need. 

Business Owner Help 

Do you own your business or work for yourself out of your home? This protection should help to minimize your financial loss if anything impacts your operation. 

Major Catastrophe Coverage 

When your business closes down due to a catastrophe, you may need financial help to stay solvent. For example, you can use your insurance to pay your employees and avoid a walkout from your employees.

Business Interruption Help 

Have you ever had to close your business due to repairs or disasters and lost a lot of cash? This type of coverage will keep you solvent by paying your bills and keeping you operational.

Help is Available for Your Company

If you are concerned about your business operation and aren’t sure what kind of policy will work the best, please contact us at Advantage Service Insurance right away to learn more. We service Erie, CO and can provide the kind of insurance that you need to stay open and safe from problems.

Owning a classic car brings a sense of pride, joy, and memories. But whether you are purchasing your first classic car or you are a seasoned classic collector, you must invest in classic car insurance to protect your investment. 

But are you among those people that think classic car insurance is a waste of money? If yes, consider these reasons and invest in classic car insurance from Advantage Service Insurance in Erie, CO.

To protect the value of your car

If your standard car is totaled today, your insurer will compensate you with the actual cash value of your vehicle, which is usually the replacement cost minus the depreciation. However, when you purchase classic car insurance, you pre-agree with the insurer the value they will compensate you if your car is totaled or stolen. 

To protect you against liabilities

If you are at fault for an auto accident, liability claims can be costly. You could face bodily injury and property damage claims that can be expensive. Worse yet, if you are sued, the claims are likely to put your assets at stake. 

Luckily, you don’t have to worry too much about third-party liabilities if you have classic car insurance.

To bail you out in emergencies

If your collector’s car stalls miles away from home, classic car insurance provides flatbed towing and services like gas delivery, puncture repair, and battery jump-start — all these to ensure you aren’t stranded when your ride misbehaves.

It’s affordable

If you think investing in classic car insurance is a costly affair, you’re mistaken. Since you don’t drive your car every day, the risks are minimal compared to your standard vehicle. As such, classic car insurance is significantly lower than typical car insurance, helping you protect your prized investment at a considerable cost.

Are you looking for classic car insurance in Erie, CO? Don’t look beyond Advantage Service Insurance. Our personalized coverage lets you live in the past as we protect your vehicle for the future. 

A motorhome offers freedom to explore the open road. A personalized insurance plan keeps you rolling along.

Motorhome and RV insurance can vary greatly. You’ll want a policy that best meets your needs.

Advantage Service Insurance can help. Serving Erie, CO, their trained professionals encourage you to consider three factors before buying a policy.

Damage protection

Accidents happen. If it does, collision insurance has you covered. Most policies include this, no matter who’s at fault. But, consider comprehensive coverage also. This safeguards against any damage that’s not the result of a collision, including national disasters and falling objects. Liability coverage alone isn’t typically enough. Ask your agent for a list of what’s protected. 

Personal protection

Motorhome insurance isn’t just about guarding your ride. It also extends protection to the people inside. Liability shields against any bodily injuries suffered by you or others during an accident in which you are determined to be at fault. Medical policies go even further, paying for healthcare expenses if someone is hurt. Both of these types may be required by law, so choose a policy that has the appropriate coverage. For additional assurance, select a personal property plan. This protects your belongings if they are stolen, damaged, or destroyed while in your motorhome.

Roadside assistance

Unfortunately, more time on the road means an increased chance of a breakdown. Not only is getting stranded stressful but towing can be costly too. Roadside assistance is a helpful option, especially on long road trips. Most coverage plans will also provide locksmith services or even help fix a flat.

Contact an agent serving Erie, CO

Although this covers the basics, there will be other factors you’ll want to consider. Advantage Service Insurance will assess your needs, give advice, and create a plan to keep you and your family on the road.

When you get an RV in Colorado, you do so with the thrill of adventure and exciting journeys on your mind. You also probably worry about the many potential problems along the way. Of course Colorado RV insurance will help alleviate some of those worries. That may not always help you when you have a breakdown on the road.

At Advantage Service Insurance, we want Erie, CO to be ready for every potential concern. Before you hit the road, make sure you take the steps to avoid a breakdown and potential collision.

Check Your Tires

Your tires are one of the first things you should check when you are heading out for a long journey. RV tires especially are more susceptible to problems such as rotting or cracks. This is because they sit unused for long months at a time.

Get your tires checked by a professional RV mechanic before you go on the road and take care of that potential danger early.

Check Your Batteries

Batteries are an important thing to check when you are going anywhere for an extended journey. When your RV has been unused and resting for months, have the battery tested before it’s too late. Unused batteries can easily get sulfated and not get you any further than the parking lot down the street. 

Get your batteries charged and tested before you go for your trip.

Have Your Cooling System Checked

Your cooling system is going to do a little extra work when you are traveling in the summer months. The last thing you want is a breakdown in the mountains or the desert, and you wind up with a problem that lasts for weeks. RVing is fun until that happens. 

Get your cooling system checked, and you won’t have this worry on your mind.

Get Roadside Assistance

Before you go on your trip, consider adding Roadside Assistance and special towing add-ons and riders to your RV insurance policy in Colorado. At Advantage Service Insurance, we want Erie, CO residents to be prepared for every potential problem. Call us for a quote to update your policy today.

When you have been in motorcycle accident in Erie, CO, your motorcycle insurance will protect you from financial losses if you have the right coverage. In Colorado, you need liability insurance for bodily injury to other parties in an accident, and you will also need some property damage coverage.

At Advantage Service Insurance, we know that motorcycle riders in Colorado might need more coverage because motorcycle accidents are disastrous and change lives. We know what the most common claims are, and what you need coverage for.

Left Turn Crashes

A left turn crash is among the most common motorcycle accidents in Colorado. This may be because another driver did not check their timing, or it may be that you weren’t looking when you turned.

This crash will cause damage to your property and also potentially some bodily injury damages. These might be minor claims, or they could be life-altering.

Lane Switching

Lane switching is something we all learn when we are learning to drive, but a motorcycle that does so at the wrong time could wind up in a tragic accident. 

Worse, a car that does so at the wrong time could result in a motorcycle accident. We see it all the time, as motorcyclists are often obstructed from the view of the oncoming vehicle.

Even if you are not at-fault in this accident, you will still be making property and medical claims through your motorcycle insurance.

Head-On Collisions

Head-on collisions with a motorcycle are often fatal, and miracles when they aren’t. This will lead to wrongful death claims, property damage claims, and medical expenses. Many studies show that it is often the driver of a vehicle that causes these crashes over the motorcycle rider.

Colorado is an at-fault state but follows modified comparative negligence rules on the road, and that means that you may still be partially responsible for some costs of these accidents. 

Get a Quote

These are only a few of the most common problems on Erie, CO roads for motorcycle riders today. Call Advantage Service Insurance for a quote today, so that you are covered for every possible motorcycle insurance claim.

Advantage Service Insurance serves the Erie, CO community, as well as the surrounding areas. We are an independent insurance agency. Our independent status allows us to work with multiple carriers throughout Colorado in order to help our clients. We strive to make sure that our clients find the coverage they need to live comfortably.

Boat Insurance Overview

Erie, CO is home to many waterways and fun water activities, especially during the Summer. If you are one of the many water enthusiasts in the area, boat insurance can help you stay safe. The policy covers you if your boat collides with another object or injures someone. If you are held responsible for the accident, liability coverage will protect you.

Boat insurance covers multiple types of boats, including yachts, sailboats, jet boats, and watercraft. If you opt for full coverage, your boat will be covered if it is vandalized or damaged due to severe weather. All of your accessories on the boat are covered if they are stolen or suffer damage. However, if you have luxury accessories on your boat, you’ll need extra coverage to fully protect those items if something goes wrong. Consider taking inventory of your boat accessories so that you’ll be aware of their true value. You can also add mechanical breakdown coverage to your policy. This helps cover your boat’s repairs if it suffers engine failure.

While researching coverage, be aware of your policy’s navigational limits. Your policy will outline the designated areas where you are allowed to operate your boat and maintain full coverage. If you go outside the navigational area, you are not protected if something happens. During months when you aren’t using your boat, layup coverage protects it if a disaster occurs.

Advantage Service Insurance Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.  

Liability risk is something that all people in the Erie, CO area should take seriously. Proper liability coverage can offset a wide range of risks and provide you with peace of mind. You can ensure that you are offsetting your liability risk by getting an umbrella insurance plan. There are several situations in which having this type of coverage will be advantageous for those that are in the state of Colorado. 

When Involved in Major Accident

When you are glad that you have an umbrella insurance plan, you are involved in a major accident. Most people will have liability protection through their auto or home insurance plans. While this coverage can protect against the vast majority of liability claims, there is a chance that damages could exceed your limits. An umbrella insurance plan is helpful in these situations as it will provide coverage for claims over your other policies. 

When Claims for Uncovered Situations

There is also a chance that you could be named in a liability claim for situations that are not typically covered by home or auto insurance plans. If this is the case for you, having an umbrella insurance plan will be helpful as it will ensure you have some liability insurance coverage to mitigate this risk.

There are many advantages of having an umbrella insurance plan in the Erie, CO area. If you would like to get this type of insurance coverage, it would be helpful to call Advantage Service Insurance. The team with Advantage Service Insurance knows how valuable this insurance coverage can be. They can offer the support needed better to understand the benefits of umbrella coverage and guidelines to follow when choosing a new policy.