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Colorado Insurance Blog

Cost or Value? Choosing Basic Vs. Special Form Commercial Insurance

Visiting Denver, Colorado during the spring and summer months means you will likely visit the Denver Botanic Gardens. Looking at the wonderful array of colorful flowers and taking in the sweet smells of nectar are rejuvenating for most people. Unfortunately, these flowers lose their beauty after severe weather and may not be able to bear the next tumultuous storm that comes. In that regard, these flowers demonstrate what happens to businesses that aren’t prepared with the appropriate commercial insurance. Many businesses consider only the costs but does saving money help your property weather the second storm that comes?

Basic Form vs Special Form Insurance
Basic form insurance only covers specific perils identified on the insurance form. Although it is the most cost efficient commercial insurance coverage, even though you survived the first storm, it may not protect you in the next storm. On the other hand, special form coverage is the most inclusive type of coverage. Instead, of listing items that are covered, the policy lists events that are not covered, allowing your business to be fully protected in case of the following:
•    Heavy snow and ice
•    Pipes freezing
•    Falling objects
•    Hailstorms
If ever your business suffers as a result of severe weather, wouldn’t it be nice to be covered with a policy full of inclusions instead of exclusions?

What Policy is best for Your Business?
The best policy for your business is the one that provides you with the coverage you need. As a resident of Colorado, you understand the potential losses your business is exposed to on a daily basis, so why not ensure ample coverage? 

When you are ready to get the best value for your commercial insurance, give our offices a call to discuss your options. Our reliable insurance agents will answer all of your questions concerning commercial insurance and provide you with quotes.



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