Schomburg Insurance Agency

09/01/2026

September is Life Insurance Awareness Month.
Follow along with us as we talk through life insurance in plain language and answer the questions people actually have.

Should your child have a policy?
How can I leverage my policy for a loan?
Do you need life insurance if you don’t have children?
I have coverage through work. Is that enough?

Our doors are always open to ask any questions you have.

08/31/2026

Another great day on the links with a lot of familiar faces.
Thank you to the Greater Arvada Chamber of Commerce for doing real work for small businesses around town, we are glad to support it!
The Basement Sanctuary helped us get to 4th place while our friends at The TRN claimed the lead again.

08/28/2026

School is back in session and for many parents, it’s time for their teen to get behind the wheel.
A new driver is the largest liability exposure most households take on. If you don’t have liability limits as high as the accident your teen causes, your home, assets and future earnings can be at risk.
DM before the first fender bender.

08/25/2026

When it rains, it pours. This is why you need an umbrella policy.
Umbrella limits start at $1M and increase by $1M increments. Your umbrella only covers what sits underneath it. Every vehicle, boat, golf cart, ATV, trailer, and rental property has to be scheduled on an underlying policy first, and it has to be listed under the name that actually owns it. If the title says your LLC and the policy says you personally, that gap shows up at claim time, not at renewal.

So how do you know what amount is right for you?

Personal: Add up your home equity, retirement accounts, savings, and the wages a court could garnish. That number is your floor. Teen drivers, a pool, or a dog bite history means going higher.

Commercial: Pull your contracts before you guess. Landlords, general contractors, and municipalities often require $2 million to $5 million in excess liability in writing.

Our team is here to help you make these decisions. Visit us online to schedule a review of your current umbrella coverage. Www.Schomburginsurance.com

08/21/2026

Your employee works from their living room. Your workers’ comp policy still needs to know where that living room is.
Remote hires are easy to cover. Even when your employee lives and works in another state, we can add them to your existing policy
And don’t forget household help. If you employ a nanny, caregiver, or other in-home worker, many states require workers’ comp for them too. A homeowners policy usually isn’t enough, and “they’re like family” isn’t a legal defense when someone gets hurt on your stairs.
One injury on an uncovered employee can turn into fines, penalties, and out-of-pocket medical bills.

Dm or visit us online at www.schomburginsurance.com to talk to one of our advisors.

08/17/2026

Insurance for your deductible? Yes, it’s possible. Using a separate third-party policy you can be reimbursed for that deductible after a covered wind or hail claim.
✅ Works for personal and commercial property
✅ Claims on it generally don’t hit your CLUE / loss-history report
✅ Premiums are typically a small fraction of what the deductible would cost you
✅ You keep the higher deductible and the lower premium that comes with it

You don’t have to choose between an affordable premium and an affordable claim. Send us your declarations page and we can see if this makes sense for your property.

08/13/2026

Are you saving on your home, auto and umbrella insurance based on your occupation?

Teachers, pilots, accountants, engineers, veterans, active duty, physicians, nurses and more are saving simply based on what they do. Let’s talk and review your policies to maximize what is in your pocket, while having great coverage.

08/12/2026

Catch up with our very own, Ivy Schomburg in this spotlight!

As Schomburg Insurance’s Commercial Account Manager, Ivy understands the complexity of commercial insurance while working with a multitude of industries. Her favorite being construction, manufacturing and retail. Link in bio to read the article.

08/12/2026

Catch up with this spotlight on our very own, Ivy!

As Schomburg Insurance’s Commercial Account Manager, Ivy understands the complexity of commercial insurance while working with a multitude of industries. Her favorite being construction, manufacturing and retail.

At the Greater Arvada Chamber, we know when we build bridges, businesses grow stronger, communities become more resilient, and the local economy works better for everyone. This month, the Inclusion & Belonging KAPS Council is proud to spotlight Ivy Munyon, Commercial Account Manager at Schomburg Ins...

08/10/2026

Rena is back from the Family Law Institute’s annual conference in Vail, Colorado. She went to support our partners in family law and came back with plenty she learned from them.

First, Colorado’s Licensed Legal Paraprofessional designation is still new, and a lot of firms adding an LLP have not looked at what it does to their professional liability. An LLP is practicing law in a limited scope with their own exposure. That should be on the policy, not assumed.

Second, divorce gets messy on the insurance side. Rena is part of The Divorce Collaborative, which means clients get help figuring out who keeps the house coverage, how auto and umbrella get split, and who is actually insured at which address once the household changes.

She works with family law attorneys on their LPL, including exclusive program access most brokers cannot get to, and with LLPs on coverage for their new scope of practice.

If you practice law in Colorado and beyond, she is worth a conversation.