Get A Free Quote
No typing, no digging for policy numbers.
Trusted by Your Neighbors
Local knowledge, industry-leading protection
4.9/5 Stars
Google Reviews from real customers
97% Retention Rate
Fort Collins families and businesses protected
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Insurance risks you can't ignore
Protect what matters most before it's too late
Hidden traps in your current insurance coverage
Most families have critical vulnerabilities in their coverage that could devastate their financial future. Outdated limits, hidden exclusions, and policy gaps leave you exposed—and you won't know until you file a claim. Our independent agents review policies every day and consistently find issues that could cost families hundreds of thousands of dollars. Let us review yours before disaster strikes.
Uncover dangerous coverage gaps
Insurance companies write policies to protect themselves, not you. We find the hidden exclusions before you need to file a claim.
Know your true risk exposure
Most families have no idea what's actually covered until it's too late. We translate the fine print into plain English.
Eliminate insurance blind spots
Every policy has areas where you think you're covered but aren't. We identify them before they become disasters.
Build a protection strategy
Insurance isn't about policies—it's about having the right strategy to protect everything you've built.
Insurance stories that matter
Real people. Real protection. Real peace of mind.
Your insurance journey unfolds
Simple steps to comprehensive protection that matters
Step 1: Immediate expert attention
Within hours of your request, a licensed agent begins reviewing your needs and designing your solution.
Step 2: Customized coverage design
Through detailed consultation, we build protection tailored to your unique situation, not a standard package.
Step 3: Ongoing confident protection
Your coverage adapts as your life changes, with annual reviews and proactive adjustments to keep you protected.
FAQs
Find answers to your most pressing insurance questions right here.
Yes, most pet insurers offer multi-pet discounts, allowing you to insure multiple pets under a single account while saving on premiums. Each pet's coverage remains separate with its own terms but benefits from bundled savings.
Replacement cost coverage pays to fully replace your property at today’s prices, with no deduction for depreciation. Actual cash value pays only the depreciated, current value at the time of loss—often less than full replacement.
Yes, small businesses in Colorado and Utah—especially those holding commercial bonds—are common cybercrime targets and should strongly consider cyber liability insurance to protect against data breaches and scams.
Inventory your belongings to estimate their total value and choose a coverage limit that reflects that amount, typically between $25,000 and $50,000 depending on your possessions.
To obtain a surety bond in Colorado or Utah, apply through a licensed surety agent or broker, providing your financials, credit history, and bond details. Get quotes, select your best fit, and receive your bond within days.
Yes, professional liability insurance typically covers claims from employee mistakes made while performing their professional duties. It helps protect your business from costly lawsuits arising from such errors.
Yes, professional liability insurance can be customized with endorsements to address specific risks unique to your industry and business needs, providing targeted protection and peace of mind.
Maximum Medical Improvement (MMI) is the point when a workplace injury has stabilized and no significant recovery is expected, guiding final benefit decisions. Understanding MMI helps injured workers and employers plan next steps confidently.
Yes, premiums for professional liability insurance are generally tax-deductible as a business expense for Colorado and Utah businesses. Consult your tax advisor to ensure proper reporting based on your specific situation.
A qualifying life event—like marriage, birth, or job loss—lets you change your employee benefits outside of open enrollment. Colorado and Utah employers usually require notification within 30 to 60 days to take advantage.
Commercial insurance safeguards businesses from risks. It encompasses various policies, including liability, property, and workers' compensation. These protections are essential for business continuity.
To file a claim, contact your insurance agent or the claims department. Provide necessary documentation and details of the incident. Follow up to ensure your claim is processed.
Coverage limit is the maximum amount an insurer will pay for a covered loss. It varies by policy and can affect your premium. Understanding your limits is crucial for adequate protection.
Yes, you can change your policy at any time. Contact your agent to discuss your options and any potential impacts on your premium. Adjustments can help better meet your needs.
Still have questions?
We're here to help you!