Employment Practices Liability Insurance (EPLI): Protection Against Employee Lawsuits
Workplace lawsuits are increasing, with businesses facing claims for wrongful termination, discrimination, and harassment. Without Employment Practices Liability Insurance (EPLI), employers risk massive legal fees. What Does EPLI Cover? ✅ Wrongful Termination – Claims from fired employees. ✅ Discrimination Lawsuits – Allegations of unfair treatment (age, race, gender, etc.). ✅ Sexual Harassment Claims – Covers […]
Errors & Omissions (E&O) Insurance: Who Needs It and Why?
For professionals offering services, consulting, or advice, a single mistake can lead to expensive lawsuits. That’s why Errors & Omissions (E&O) Insurance, also known as Professional Liability Insurance, is a must-have for businesses that provide expert guidance or technical services. What is E&O Insurance? E&O Insurance protects professionals from lawsuits claiming that their advice, services, […]
What to Do When an Employee Files a Workers’ Compensation Claim
Handling a claim correctly protects both the employee and the business. Follow these critical steps: 1️⃣ Provide Immediate Medical Attention Call 911 if the injury is serious. Direct non-emergency injuries to an approved medical provider. Ensure the worker documents their injury ASAP. 2️⃣ Report the Injury Employers must file a First Report of Injury (FROI) […]
Employment Practices Liability Insurance (EPLI): Protection Against Employee Lawsuits
As a business owner in Colorado, you work hard to create a fair and professional workplace. But even with the best policies in place, employment-related lawsuits can still happen—and they’re on the rise. From claims of wrongful termination to harassment and discrimination, businesses can face expensive legal battles that could financially devastate them. This is […]
Insurance for Home-Based Businesses: Do You Need Extra Coverage?
Starting a home-based business in Colorado offers flexibility, but many entrepreneurs don’t realize that their homeowners insurance won’t cover business-related losses. If you sell products, provide services, or store business inventory at home, you may need additional insurance coverage to protect against liability claims, property damage, and cyber threats. Does Homeowners Insurance Cover Home-Based Businesses? […]
Restaurant Insurance in Colorado: What Coverage Do You Need?
Running a restaurant in Colorado can be a fulfilling yet challenging endeavor. From the fast-paced kitchen environment to customer interactions and alcohol service, restaurant owners face unique risks that could lead to financial loss if not properly insured. One fire, slip-and-fall accident, or foodborne illness outbreak could result in lawsuits, medical bills, or business closure. […]
Product Liability Insurance: Protecting Your Business from Defective Product Claims
If your business manufactures, distributes, or sells products, you could be sued if someone claims your product caused injury, illness, or property damage. Even with high-quality control, defects can happen—and one lawsuit could cost millions. That’s why businesses need Product Liability Insurance to protect against legal claims. Why Colorado Businesses Need Product Liability Insurance Product […]
Key Person Insurance: Protecting Your Business if a Key Employee Leaves
What would happen if your top salesperson, founder, or CEO suddenly passed away or became disabled? For many small and mid-sized businesses, the loss of a key person can lead to financial collapse. That’s why businesses need Key Person Insurance—a specialized life and disability policy that protects the company’s financial future. What is Key Person […]
RV and Camper Insurance: What’s Covered and What’s Not?
Colorado is one of the best states for RV travel, whether you’re exploring the San Juan Mountains or setting up camp at Rocky Mountain National Park. But before hitting the road, it’s important to have the right RV insurance—because auto insurance alone won’t fully cover your motorhome or camper. How RV Insurance Differs from Auto […]
Motorcycle Insurance in Colorado: What Riders Should Know
Colorado’s scenic highways make it a top destination for motorcyclists, but with high traffic, unpredictable weather, and distracted drivers, the risk of accidents is real. Whether you’re riding through Rocky Mountain National Park or cruising on I-25, having the right motorcycle insurance isn’t just about following state laws—it’s about protecting yourself from financial loss and […]
