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Colorado Insurance Blog

Who should get life insurance?

When you live in the Denver, CO area, it is important that you spend time thinking about your personal insurance needs. A form of insurance that many people should consider getting is life insurance. This is an important form of insurance protection that can ensure that your dependents have the financial resources that they need. There are a few situations when someone should get life insurance. 

Life Insurance Gives Protection to Dependents

A key reason that people here need to get life insurance is that it gives protection to their dependents. When you have people that rely on you, it is important that you ensure their future is protected. One great way to do this is by getting life insurance. When you get a proper life insurance plan, it will give the financial protection that they need to continue to live the same lifestyle. 

Those that Want to Invest

You should also consider getting a life insurance plan if you would like to invest in your future. Those who choose to get a whole life policy will see some of their monthly premium payments accumulate in an account that they can liquidate in the future. This also grows with interest and is considered a conservative addition to someone’s investment portfolio.

When you are in the Denver, CO area there are many important forms of coverage to get, but life insurance may be the most important of all. When you are assessing your life insurance needs and options, calling AFI Insurance would be a good option. The team with AFI Insurance understands the unique complexities that come with picking insurance plans in this area. They can help you better assess your life insurance needs and options so you can choose a plan that is ideal for your situation. 

Required Commercial Insurance for Colorado

If you have a business in Colorado, there are certain types of insurance that are mandatory for you to have. These mandatory coverage types help to protect your business financially as well as protecting others. There are other types of commercial insurance that also may be needed by your business, though those are simply recommended and not required. If your business needs coverage, call us at AFI Insurance in Denver, CO to discuss your commercial insurance needs. 

Workers’ Compensation

Workers’ compensation insurance, often called workers’ comp, is coverage that pays for the injuries and illnesses of employees who become sick or injured while they’re at work. This insurance is required for every company that has any number of employees. If someone does work for a business, the state presumes that they are an employee, even if the arrangement has not been made legal. 

Commercial Auto Coverage

Every vehicle in Colorado that is owned by a business must be covered by a commercial auto policy. In Colorado, there is a specific, set minimum amount that you must be covered for when it comes to bodily injury liability for a single person injured in an accident as well as another amount required for everyone injured in the accident as a whole. There is also a small amount required for property damage liability coverage. If you have a vehicle that is used to do work for the business but is not owned by it, there is a different policy type that is recommended. There is a policy type called hire and non-owned insurance that should be used to cover these vehicles. 

Get Your Commercial Insurance

If you need commercial insurance, call us at AFI Insurance in Denver, CO to talk to an agent about the commercial coverage you need. 



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