For a lot of people in the Denver, CO area, owning a car is a necessity. If you do own a car in this area, it is important that you consider all of your insurance needs. There are several reasons why you will need to have a quality auto insurance policy when you have a car in the Denver area.
Required by State Laws
One reason why you will need to get auto insurance in this area is because it is required by state law. Similar to other states, Colorado requires that all drivers on public roads carry liability auto insurance at all times. This form of auto insurance will ensure that you are able to pay for damages that you cause during an accident. If you do not have this insurance, you could face a variety of penalties if you are caught without it.
Provides Protection for Car
While the liability auto insurance is all that is required by law, you also will want to get insurance to protect your car. If you have a car that you depend on and want to be able to replace or repair without coming too far out of pocket, getting auto insurance is a necessity. In these situations, you will want to get a full comprehensive and collision policy that will give you coverage for a wide range of risks and situations.
For those that are in the Denver, CO area and shopping for auto insurance, a great company to contact is AFI Insurance. When you speak with the team at AFI Insurance, you can be assured that you will receive great support and coverage. They will help to review your particular situation to ensure that you are getting into the right policy for your situation.
According to Forbes, Denver, CO is the #4 best place in the country for businesses and careers. That is great news but anyone who owns a business knows that it comes with a lot of uncertainty and worry. At AFI Insurance we would like to be able to help mitigate some of that uncertainty. We can help you navigate the complicated world of commercial insurance and help create a policy that offers you the protection you need and none that you don’t. Commercial insurance has different components and you can pick and choose what components fit your business model.
If people are visiting the location where you are doing business it is always possible that one of them could be injured. Someone could also be injured by some information you gave them or by one of your products. Business liability insurance gives you protection against legal actions that may be taken against you.
Business Interruption Insurance
If something happens to disrupt your business, you will still have obligations. Just because your business has to close your bills don’t go away. You need to get a salary and pay your normal operating expenses. This type of insurance does have exclusions so be sure to know what they are, but it can be the difference between staying in business and closing your doors.
Business Property Insurance
If you own the building where your business is located or even if you rent property insurance can save your business. Beyond the building, you have office equipment. supplies, inventory, and machinery. All of these could be damaged by a variety of hazards.
At AFI Insurance we have been in the insurance business since 1996. We have the experience you are looking for in your insurance professional. We look forward to helping you create a commercial insurance policy that protects you and your business at a price that makes sense. Give us a call or stop by our office for a no-obligation quote.