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Colorado Insurance Blog

Know Your Policy Exclusions in Auto Insurance

Auto insurance policies have specific exclusions that define what incidents or circumstances the insurance company will not cover if you live in Denver, CO, or around the area. These exclusions are critical to know as they determine situations where you may not receive compensation despite having coverage.

Common Exclusions

Common auto insurance exclusions include intentional damage, such as accidents caused by reckless driving or driving under the influence. Policies also typically exclude regular wear and tear, mechanical failures, and damage from racing or other illegal activities.

Another thing policyholders need to remember is the lack of maintenance on a vehicle. If they fail to keep up with the car to keep it reliable and in working condition, the vehicle may stall and cause an accident. Although cars are considered machines, they can fail without warning. If it is learned that the driver failed to perform a specific check on the vehicle or it failed inspection, this could cause a denial in a claim.

Business Use Exclusions

Using your vehicle for business without proper commercial insurance coverage is often excluded. This includes activities like deliveries or ridesharing, where incidents may not be covered under a standard personal auto insurance policy. If not reported truthfully, it may be considered a form of insurance fraud in some situations. This can lead to severe fines.

Vehicle and Modification Exclusions

Standard auto insurance policies may not cover certain vehicles or extensive modifications. This can include vehicles used for off-road purposes or those with significant alterations. Inquiring with the insurance agency or reviewing your policy can help identify any such exclusions.

AFI Insurance Is There For You

AFI Insurance is here for you when you need insurance information. Our services are available in Denver, CO, and the surrounding areas. Call today.

Specialty Insurance – Coverage That Goes Above and Beyond

Specialty insurance covers unique items and circumstances. Learn how this type of coverage goes above and beyond to protect residential and business property owners. 

Specialty Insurance

Specialty insurance is optional insurance that can be purchased to protect structures, personal possessions, business equipment, and more. It is often purchased as an ‘add-on.’

An add-on insurance product is a type of insurance that fills in gaps that a standard home or business insurance policy doesn’t fill. Specialty insurance is an insurance product that provides distinct coverage.

A consumer’s property is typically assessed before a specialty insurance policy is prepared. The assessment is used to identify a consumer’s unique insurance needs.

Circumstances That May Require Specialty Insurance

  • Unique investment property
  • Ownership of a rare item
  • Custom designs within a home or business
  • An original business plan that requires targeted steps


The list above highlights some standard circumstances that may require specialized insurance coverage. You may fall into one of the categories listed. You may also have a unique circumstance not included in the list.

An assessment of your residential or commercial property will help you determine which specialty add-ons you need.

It is a good idea to review all the insurance products offered through an insurance agency before you purchase an add-on type of insurance.

Contact AFI Insurance

Please consult with one of our Denver, CO representatives. An agent who is employed by AFI Insurance will schedule a consultation for you. During this meeting, you will be free to discuss the specialty insurance products that you are interested in purchasing for your home or business.

Are Your Financial Plans Protected? They Can Be with Financial Planning Insurance

Many people make financial plans, and some people, like advisors and financial planners, even make a living doing it. However, the problem with financial planning is that it is like most investment-structured plans. It comes with a fair amount of risk. The good news is there are ways to help protect your financial plans, just in case. That is also why people who invest in financial planning in and around the Denver, CO area turn to the trusted and experienced agents at AFI Insurance for all their financial planning insurance needs.

Are Your Financial Plans Protected?

If you are involved and invest in financial planning, either as a vocation or for your personal goals, insurance can help. Imagine being able to protect and safeguard your investments and financial plans from sudden economic disruption, a liability claim, or other potentially devastating issues. With financial planning insurance, you can protect your investments, secure your plans, and provide that little extra peace of mind if your best-laid plans go astray.

Financial Planning Insurance in Denver

Are you an investor or financial planner in Denver, CO? Are you making investments in financial planning for your retirement and goals? Then financial planning could be the safety net you need and a backup plan you can rely on if your financial plans take a dramatic downturn. Do you have questions about financial planning insurance? Would you like to learn more about how financial planning insurance could benefit you? Then, our friendly and professional team of agents at AFI Insurance can help. Contact us to learn more and schedule an appointment today to protect your plans, future, and finances.

What Do Policy Limits Mean?

Insurance limits are the maximum amount that your provider may pay out for claims in accordance with your policy. Most policies involve home and auto insurance with specified coverage limits, as explained by our agents here at AFI Insurance in Denver, CO.

Explaining Car insurance Limits

Auto insurance policies range in coverage limits depending on your policy type. It is possible to opt for higher liability limits to offer greater protection for your assets and any costs due to damages to another person’s property or an injury you’re found liable for. Typical liability coverage is $30,000 for property damage, $50,000 for bodily injuries per person, and $100,000 for bodily injuries per accident. You can choose a more comprehensive policy with extra coverage amounts.

Home Insurance Policy Limits

There are various components to home insurance policies, including the following:

Dwelling Limits

If you owe a mortgage on your home, financial lending companies will require you to have dwelling coverage in an amount that will cover the cost of rebuilding the home should it be severely damaged. The amount will depend on the replacement costs, which are determined by the age, size, and other features of the dwelling.

Personal Property Limits

The limits on personal property are generally 50% of your dwelling limits, but they can often be increased or decreased depending on your needs. If you want certain valuables covered up to full replacement costs, consider adding a rider or endorsement to insure them in addition to your primary policy.

Loss of Use and Personal Liability Limits

Insurance companies vary in how they set coverage limitations for loss of use for living expenses beyond your normal costs incurred when your house is being rebuilt or replaced due to covered losses. Some policies provide compensation for hotels, other lodgings, and meals for a set period. Owners with personal liability coverage if a household member is responsible for injury to other persons or their property.

Be Sure to Understand Your Policy’s Term Limits

Be sure to fully understand your policy to be prepared for certain home and auto incidents. For more information, feel free to contact us at AFI Insurance in Denver, CO.

BOP: The Fundamental Commercial Insurance Solution for Small Businesses

All businesses, including small businesses, are exposed to at least some risks. An unexpected accident, natural disaster, or other event can strike almost any business at almost any time. To help protect small businesses in Denver, CO, we at AFI Insurance often recommend a BOP insurance policy. This is a fundamental commercial insurance solution that meets many small businesses’ coverage needs.

Understanding BOP: What is a Business Owner’s Policy?

A business owner policy (BOP) is a specialized insurance policy designed to provide small businesses with essential coverage in a single, convenient package. By combining liability and property coverages, a BOP can protect against multiple risks that most companies face.

In addition to being convenient, purchasing a BOP usually costs a little less than getting each coverage individually. Bundling coverages in a single policy often provides some savings.

The commercial insurance coverages in a BOP can vary, but they typically include general liability, commercial property, and other optional protections.

General Liability Insurance: Protecting Against Third-Party Claims

General liability is commercial insurance that helps safeguard small businesses from certain third-party claims of bodily injury, property damage, defamation, and advertising injury. “Slip and fall” accidents and other common accidents that cause injury or damage to another party may be covered, as may defamation lawsuits.

Property Insurance: Safeguarding Physical Assets

Property insurance can protect small businesses’ physical assets, such as buildings, equipment, inventory, and furniture. With coverage against perils like fire, theft, vandalism, and natural disasters, property coverage can help businesses recover if something happens to their investments.

Customized Coverage Options: Tailoring BOP to Your Needs

In addition to these two protections, a BOP might also offer business income coverage, commercial auto coverage, or other protections. We at AFI Insurance can help you find the right ones for your Denver, CO business. Contact us today to find the insurance that your small business needs.

Balancing the Risks: A Guide to Auto Insurance for DoorDash Drivers

Are you hitting the road as a DoorDash driver in Denver, CO, or the surrounding areas? It’s a great way to earn extra cash, but have you considered how it affects your auto insurance? At AFI Insurance, we understand your unique challenges and are here to guide you through finding the right coverage for your side hustle.

Understanding Your Coverage Needs

When you’re dashing from door to door, delivering meals, your auto insurance might not fully cover you. Why? Because the moment you start using your vehicle for commercial purposes, like DoorDash, your insurance needs to change. This doesn’t mean you must panic; it just means you must be informed about your coverage options.

Balancing the Cost

Are you concerned about how this might affect your insurance premiums? Adding commercial coverage or a rideshare endorsement to your policy might increase costs. But think of it as protecting your financial future. Without the right coverage, you could be on the hook for damages or liabilities in the event of an accident while on a delivery. Here, we’re all about finding a balanced policy that offers solid protection without breaking the bank. Let’s work together to ensure you’re covered at every turn without unnecessary extras weighing you down.

We’re your Partner on the Road.

If you’re part of the bustling DoorDash community in Denver, CO, or nearby, swing by AFI Insurance. We’re here to help you navigate the ins and outs of auto insurance for delivery drivers, ensuring you have the proper protection as you deliver smiles and good food. Don’t let insurance worries dampen your hustle. Reach out to us, and let’s tailor a policy that keeps you dashing with confidence.

When Should You Update Your Home Insurance Policy?

At AFI Insurance, we’re committed to helping residents of the Denver, CO, area protect their homes with care for the long term. One way we do that is by reviewing and updating home insurance policies to ensure our clients are properly covered. If you’re in the local area and looking to update your policy, we can help. That will add to your peace of mind and help you enjoy your home more fully, both now and in the future.

Generally, it’s a good idea to update the insurance policy on your home at least once per year or any time you have a significant event in your life that could affect your home. For example, if you add to the space or remodel it, you may want to make updates to your insurance coverage. The goal is to ensure you’re well-protected, and our agents are dedicated to finding ways to help make that easier and more convenient for you.

There’s no reason to settle for less when you have us on your side. Whether you haven’t updated your insurance coverage in a long time or have questions, getting in touch with us is the right choice. We’ll be happy to answer any questions about your current policy and provide quotes from other insurers if you’re thinking about making a change. With us, you have the options and support you need most.

Contact us at AFI Insurance today if you’re in the Denver, CO, area and looking for someone to help update your home insurance policy. Our commitment to you will make the update process smooth and efficient so that you can adequately protect your house and personal belongings. Then, you can enjoy your home.

Include Insurance in Your Financial Planning Strategy

When planning for the future, you’re probably thinking about college for your children, your retirement, and other factors. With that in mind, one of the areas you might overlook is insurance. However, the right policies and coverage can significantly affect your level of protection and security. If you’re in the Denver, CO area, AFI Insurance is here to help you get the insurance policies you need for your financial planning strategy.

Our agents can help you find policies that fit your needs and goals. Some people want to protect their homes and vehicles, while others are looking for life policies and related options. Then, there’s umbrella insurance to protect you from claims larger than your standard policies offer. With so many options, you want someone who can give you answers.

Working with us means getting the knowledge you need to make an informed decision. We can provide you with quotes from multiple insurers, even if you want information on several different kinds of policies. Our goal is to give you quality planning support for your present situation and future needs, allowing you to have peace of mind as you focus on the things you want and need to do in life.

Contact us at AFI Insurance today if you’re in the Denver, CO, area and looking for insurance policies to help with financial planning. We understand the importance of finding the right help and support to feel confident that you’re protecting yourself and your loved ones. No matter the type of policy you’re considering or your current situation, we’re here to meet your coverage needs.

Protecting the Specialized Needs of Your Business

No two businesses are identical, but some businesses are considerably more unique than others. From specialized industries to companies that provide niche services, that also means that sometimes standard commercial insurance coverage doesn’t work. The good news for companies in and around the greater Denver, CO area is that the professional and experienced team at AFI Insurance can help with specialty insurance options for those more unique companies like yours.

Insurance Solutions for Specialized Businesses

Does your business design or manufacture a unique part or parts? Does your company provide a specialized service or perform a unique role for clients and customers? If so, there is also a good chance that many operations and functions fall outside standard commercial insurance coverage.

Does your business use or make tools specific and specialized for your industry or trade? Do you perform a service that requires a niche skill set, talent, or ability? There is also a strong likelihood that many of those areas will be left uncovered by standard commercial insurance policies.

Fortunately, with specialty insurance solutions from helpful and knowledgeable agents like AFI, those unique and specialized businesses don’t have to go unprotected with the right specialty insurance plans. As insurance that is designed to be built around the unique needs of your business, specialty insurance provides the protection, security, and peace of mind niche businesses need and deserve.

Business Insurance Created to Fit Your Business

In the most simple terms, specialty insurance is designed to suit the special needs of your business and operations. If you work in a niche industry or market in the Denver, CO, area, talk to one of our helpful agents to discuss your company’s unique needs and operations at AFI Insurance. Contact us to learn more and schedule an appointment to find out how specialty insurance can help protect your specialized business today.

Increased Commercial Storage – How It May Affect Your Insurance Coverage

The Importance of Adequate Storage for Business Insurance

The way you store inventory, machinery, and other materials significantly influences your commercial insurance coverage. If you’re thinking of modifying your insurance plan, thoroughly examine your storage procedures before reaching out to an AFI Insurance agent serving the Denver, CO area.

Elements to Evaluate In Your Business Storage Strategy

Look into the following aspects to ensure your storage practices won’t hinder your insurance plans:

Storage Assessment

Evaluate your storage methods and check for waterproof materials that shield items from moisture, heat, and sunlight. Pay particular attention to indoor and outdoor storage materials, noting any shortcomings requiring improvement.

Improvements to Storage

If your storage is not up to snuff, consider upgrading your procedures. Adequate storage solutions can reduce the risk of damage or theft, thereby affecting the commercial insurance coverage you require.

Security Measures

Implementing security measures, such as cameras, motion detectors, extinguishers, and alarm systems, can lower risk and potentially reduce insurance premiums.

Storage Upgrades

Keep records of any future storage upgrades, as they can necessitate adjustments to your commercial insurance policy.

Get Started with AFI Insurance Today

Contact AFI Insurance for any assistance you may need with your commercial insurance policy. Our agents are here to answer questions and to tailor your policy to fit your business’s unique needs.



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