Karey Louthan-Insurance Agent for Northwest Insurance

Karey Louthan-Insurance Agent for Northwest Insurance Specializing in Equine Mortality, Farms/Ranches, Home/Auto, Commercial, Workers Comp, Flood

Fall run is coming. If you're selling calves at the sale barn or retaining heifers, the value in your operation is shift...
09/01/2026

Fall run is coming. If you're selling calves at the sale barn or retaining heifers, the value in your operation is shifting right now.

Many producers don't update their livestock coverage to reflect what they're actually holding after weaning. If you're retaining more than usual or holding cattle longer, your policy should know that.

Give me a call before you wean.

Small business owner unsure what insurance coverage you need?Let’s simplify it. I’ll help you find the right protection ...
08/06/2026

Small business owner unsure what insurance coverage you need?

Let’s simplify it. I’ll help you find the right protection for your business—without paying for coverage you don’t need.

Message me today for a free review.
📞303-243-0080
📧[email protected]

𝚃𝚑𝚎 𝚖𝚘𝚜𝚝 𝚌𝚘𝚖𝚖𝚘𝚗 𝚚𝚞𝚎𝚜𝚝𝚒𝚘𝚗 𝙸 𝚐𝚎𝚝 𝚊𝚜𝚔𝚎𝚍 𝚠𝚑𝚎𝚗 𝚒𝚗𝚜𝚞𝚛𝚒𝚗𝚐 𝚑𝚘𝚎𝚜𝚎𝚜 𝚒𝚜 𝐖𝐡𝐚𝐭 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐝𝐨 𝐲𝐨𝐮 𝐫𝐞𝐜𝐨𝐦𝐦𝐞𝐧𝐝? 𝚆𝚑𝚒𝚕𝚎 𝙸 𝚌𝚊𝚗’𝚝 𝚊𝚗𝚜𝚠𝚎𝚛 𝚝𝚑𝚊𝚝, ...
08/03/2026

𝚃𝚑𝚎 𝚖𝚘𝚜𝚝 𝚌𝚘𝚖𝚖𝚘𝚗 𝚚𝚞𝚎𝚜𝚝𝚒𝚘𝚗 𝙸 𝚐𝚎𝚝 𝚊𝚜𝚔𝚎𝚍 𝚠𝚑𝚎𝚗 𝚒𝚗𝚜𝚞𝚛𝚒𝚗𝚐 𝚑𝚘𝚎𝚜𝚎𝚜 𝚒𝚜
𝐖𝐡𝐚𝐭 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐝𝐨 𝐲𝐨𝐮 𝐫𝐞𝐜𝐨𝐦𝐦𝐞𝐧𝐝?

𝚆𝚑𝚒𝚕𝚎 𝙸 𝚌𝚊𝚗’𝚝 𝚊𝚗𝚜𝚠𝚎𝚛 𝚝𝚑𝚊𝚝, 𝚊𝚜 𝚎𝚟𝚎𝚛𝚢𝚘𝚗𝚎 𝚑𝚊𝚜 𝚍𝚒𝚏𝚏𝚎𝚛𝚎𝚗𝚝 𝚌𝚘𝚗𝚌𝚎𝚛𝚗𝚜 𝚋𝚞𝚝 𝚠𝚑𝚊𝚝 𝙸 𝚌𝚊𝚗 𝚍𝚘 𝚒𝚜 𝚘𝚏𝚏𝚎𝚛 𝚖𝚢 𝚘𝚠𝚗 𝚙𝚎𝚛𝚜𝚘𝚗𝚊𝚕 𝚜𝚝𝚘𝚛𝚢. 𝚈𝚘𝚞 𝚜𝚎𝚎 𝚋𝚊𝚌𝚔 𝚒𝚗 𝟸𝟶𝟷𝟸 𝚖𝚢 𝙰𝚀𝙷𝙰 𝚆𝚘𝚛𝚕𝚍 𝙲𝚑𝚊𝚖𝚙𝚒𝚘𝚗 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚌𝚘𝚕𝚒𝚌𝚎𝚍. 𝙸 𝚑𝚊𝚍 𝚓𝚞𝚜𝚝 𝚖𝚘𝚟𝚎𝚍 𝚏𝚛𝚘𝚖 𝙼𝚒𝚜𝚜𝚘𝚞𝚛𝚒 𝚝𝚘 𝙲𝚘𝚕𝚘𝚛𝚊𝚍𝚘 𝚊𝚗𝚍 𝚒𝚝 𝚠𝚊𝚜 𝚚𝚞𝚒𝚝𝚎 𝚝𝚑𝚎 𝚎𝚗𝚟𝚒𝚛𝚘𝚗𝚖𝚎𝚗𝚝 𝚌𝚑𝚊𝚗𝚐𝚎. 𝙸𝚝 𝚜𝚎𝚎𝚖𝚎𝚍 𝚝𝚑𝚊𝚝 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚍𝚒𝚍𝚗’𝚝 𝚍𝚛𝚒𝚗𝚔 𝚎𝚗𝚘𝚞𝚐𝚑 𝚊𝚗𝚍 𝚑𝚊𝚍 𝚊𝚗 𝚒𝚖𝚙𝚊𝚌𝚝𝚒𝚘𝚗 𝚜𝚘 𝚘𝚏𝚏 𝚠𝚎 𝚠𝚎𝚗𝚝 𝚝𝚘 𝚝𝚑𝚎 𝚗𝚎𝚊𝚛𝚎𝚜𝚝 𝚟𝚎𝚝 𝚑𝚘𝚜𝚙𝚒𝚝𝚊𝚕. 𝙸 𝚑𝚊𝚍𝚗’𝚝 𝚜𝚝𝚊𝚛𝚝𝚎𝚍 𝚖𝚢 𝚌𝚊𝚛𝚎𝚎𝚛 𝚊𝚜 𝚊𝚗 𝚒𝚗𝚜𝚞𝚛𝚊𝚗𝚌𝚎 𝚊𝚐𝚎𝚗𝚝 𝚢𝚎𝚝 𝚋𝚞𝚝 𝚠𝚊𝚜 𝚊 𝚗𝚎𝚠 𝙼𝚘𝚖, 𝚖𝚢 𝚜𝚘𝚗 𝚁𝚒𝚕𝚎𝚢 𝚠𝚊𝚜 𝟺 𝚖𝚘𝚗𝚝𝚑𝚜 𝚘𝚕𝚍. 𝙷𝚎 𝚠𝚒𝚕𝚕 𝚌𝚘𝚖𝚎 𝚒𝚗𝚝𝚘 𝚝𝚑𝚒𝚜 𝚜𝚝𝚘𝚛𝚢 𝚊 𝚕𝚒𝚝𝚝𝚕𝚎 𝚕𝚊𝚝𝚎𝚛.

𝚆𝚎 𝚊𝚛𝚛𝚒𝚟𝚎 𝚊𝚝 𝚝𝚑𝚎 𝚟𝚎𝚝 𝚑𝚘𝚜𝚙𝚒𝚝𝚊𝚕 𝚊𝚗𝚍 𝙸 𝚐𝚎𝚝 𝚝𝚑𝚎 𝚍𝚛𝚎𝚊𝚍𝚎𝚍 𝚗𝚎𝚠𝚜 𝚝𝚑𝚊𝚝 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚗𝚎𝚎𝚍𝚜 𝚜𝚞𝚛𝚐𝚎𝚛𝚢. 𝙿𝚊𝚗𝚒𝚌 𝚜𝚎𝚝 𝚒𝚗 𝚊𝚜 𝙸 𝚑𝚊𝚍 𝚗𝚘 𝚒𝚍𝚎𝚊 𝚑𝚘𝚠 𝙸 𝚠𝚊𝚜 𝚐𝚘𝚒𝚗𝚐 𝚝𝚘 𝚙𝚊𝚢 𝚏𝚘𝚛 𝚝𝚑𝚎 𝚜𝚞𝚛𝚐𝚎𝚛𝚢. 𝙸𝚝 𝚠𝚊𝚜 𝚐𝚘𝚒𝚗𝚐 𝚝𝚘 𝚝𝚊𝚔𝚎 𝚎𝚟𝚎𝚛𝚢𝚝𝚑𝚒𝚗𝚐 𝚝𝚑𝚊𝚝 𝙸 𝚑𝚊𝚍 𝚝𝚘 𝚙𝚊𝚢 𝚏𝚘𝚛 𝚝𝚑𝚒𝚜 𝚜𝚞𝚛𝚐𝚎𝚛𝚢 𝚊𝚗𝚍 𝙸 𝚛𝚎𝚖𝚎𝚖𝚋𝚎𝚛 𝚝𝚘 𝚝𝚑𝚒𝚜 𝚍𝚊𝚢 𝚝𝚑𝚎 𝚜𝚝𝚛𝚞𝚐𝚐𝚕𝚎 𝚠𝚒𝚝𝚑𝚒𝚗 𝚘𝚗 𝚠𝚑𝚊𝚝 𝚝𝚘 𝚍𝚘. 𝙸 𝚑𝚊𝚍 𝚊 𝚢𝚘𝚞𝚗𝚐 𝚏𝚊𝚖𝚒𝚕𝚢 𝚠𝚑𝚎𝚛𝚎 𝚠𝚎 𝚓𝚞𝚜𝚝 𝚜𝚝𝚊𝚛𝚝𝚎𝚍 𝚊 𝚗𝚎𝚠 𝚕𝚒𝚏𝚎 𝚒𝚗 𝙲𝚘𝚕𝚘𝚛𝚊𝚍𝚘. 𝙸 𝚘𝚋𝚟𝚒𝚘𝚞𝚜𝚕𝚢 𝚍𝚒𝚍𝚗’𝚝 𝚑𝚊𝚟𝚎 𝚒𝚗𝚜𝚞𝚛𝚗𝚊𝚌𝚎. 𝚂𝚘 𝚝𝚑𝚎 𝚒𝚗𝚝𝚎𝚛𝚗𝚊𝚕 𝚍𝚎𝚋𝚊𝚝𝚎 𝚜𝚝𝚊𝚛𝚝𝚎𝚍.

𝙸 𝚖𝚊𝚍𝚎 𝚝𝚑𝚎 𝚍𝚎𝚌𝚒𝚜𝚒𝚘𝚗 𝚊𝚜 𝚊 “𝚑𝚘𝚛𝚜𝚎-𝚌𝚛𝚊𝚣𝚢“ 𝚐𝚒𝚛𝚕 𝚊𝚗𝚍 𝙸 𝚜𝚎𝚗𝚝 𝚑𝚒𝚖 𝚝𝚑𝚛𝚘𝚞𝚐𝚑 𝚜𝚞𝚛𝚐𝚎𝚛𝚢. 𝙻𝚞𝚌𝚔𝚒𝚕𝚢, 𝚝𝚑𝚎 𝚜𝚞𝚛𝚐𝚎𝚛𝚢 𝚠𝚊𝚜 𝚜𝚞𝚌𝚌𝚎𝚜𝚜𝚏𝚞𝚕. 𝟷𝟶 𝚍𝚊𝚢𝚜 𝚊𝚗𝚍 $𝟷𝟶,𝟶𝟶𝟶 𝚕𝚊𝚝𝚎𝚛 “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚠𝚊𝚜 𝚋𝚊𝚌𝚔 𝚑𝚘𝚖𝚎 𝚒𝚗 𝚛𝚎𝚌𝚘𝚟𝚎𝚛𝚢. 𝟼 𝚖𝚘𝚗𝚝𝚑𝚜 𝚕𝚊𝚝𝚎𝚛 𝚑𝚎 𝚠𝚊𝚜 𝚋𝚊𝚌𝚔 𝚒𝚗 𝚝𝚑𝚎 𝚜𝚑𝚘𝚠 𝚙𝚎𝚗 𝚊𝚗𝚍 𝟼 𝚢𝚛𝚜 𝚕𝚊𝚝𝚎𝚛 𝚖𝚢 𝚜𝚘𝚗, 𝚁𝚒𝚕𝚎𝚢, 𝚠𝚊𝚜 𝚜𝚑𝚘𝚠𝚒𝚗𝚐 𝚑𝚒𝚖 𝚏𝚘𝚛 𝚝𝚑𝚎 𝚏𝚒𝚛𝚜𝚝 𝚝𝚒𝚖𝚎. “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚠𝚊𝚜 𝚝𝚑𝚎𝚛𝚎 𝚝𝚘 𝚝𝚎𝚊𝚌𝚑 𝚁𝚒𝚕𝚎𝚢 𝚑𝚘𝚠 𝚝𝚘 𝚜𝚑𝚘𝚠 𝚏𝚘𝚛 𝚖𝚊𝚗𝚢 𝚢𝚎𝚊𝚛𝚜 𝚊𝚗𝚍 𝚒𝚜 𝚗𝚘𝚠 𝚛𝚎𝚝𝚒𝚛𝚎𝚍 𝚕𝚒𝚟𝚒𝚗𝚐 𝚑𝚒𝚜 𝚋𝚎𝚜𝚝𝚕 𝚕𝚒𝚏𝚎 𝚊𝚝 𝟸𝟸 𝚢𝚛𝚜 𝚘𝚕𝚍.

𝚃𝚑𝚒𝚜 𝚒𝚜 𝚖𝚢 𝚜𝚝𝚘𝚛𝚢. 𝚂𝚘 𝚠𝚑𝚎𝚗 𝚙𝚎𝚘𝚙𝚕𝚎 𝚊𝚜𝚔 𝚖𝚎 𝚠𝚑𝚊𝚝 𝚌𝚘𝚟𝚎𝚛𝚊𝚐𝚎 𝚝𝚑𝚎𝚢 𝚜𝚑𝚘𝚞𝚕𝚍 𝚐𝚎𝚝 𝙸 𝚌𝚊𝚗’𝚝 𝚝𝚎𝚕𝚕 𝚝𝚑𝚎𝚖 𝚋𝚞𝚝 𝚠𝚑𝚊𝚝 𝙸 𝚌𝚊𝚗 𝚍𝚘 𝚒𝚜 𝚜𝚑𝚊𝚛𝚎 𝚖𝚢 𝚎𝚡𝚙𝚎𝚛𝚒𝚎𝚗𝚌𝚎. 𝙸 𝚌𝚊𝚛𝚛𝚢 𝚜𝚘𝚖𝚎 𝚜𝚘𝚛𝚝𝚘𝚏 𝚌𝚘𝚕𝚒𝚌 𝚌𝚘𝚟𝚎𝚛𝚊𝚐𝚎 𝚘𝚗 𝚊𝚕𝚕 𝚘𝚏 𝚖𝚒𝚗𝚎 𝚜𝚒𝚖𝚙𝚕𝚢 𝚋𝚎𝚌𝚊𝚞𝚜𝚎 𝙸 𝚔𝚗𝚘𝚠 𝚠𝚑𝚊𝚝 𝚒𝚝 𝚏𝚎𝚎𝚕𝚜 𝚕𝚒𝚔𝚎 𝚝𝚘 𝚖𝚊𝚔𝚎 𝚝𝚑𝚎 𝚐𝚞𝚝 𝚠𝚛𝚎𝚗𝚌𝚑𝚒𝚗𝚐 𝚍𝚎𝚌𝚒𝚜𝚒𝚘𝚗. 𝙵𝚘𝚛 $𝟷𝟻𝟶/𝚢𝚛 𝚙𝚎𝚛 𝚑𝚘𝚛𝚜𝚎 𝙸 𝚌𝚊𝚗 𝙶𝚎𝚝 $𝟷𝟶,𝟶𝟶𝟶 𝚘𝚏 𝙲𝚘𝚕𝚒𝚌 𝚝𝚛𝚎𝚊𝚝𝚖𝚎𝚗𝚝 𝚊𝚗𝚍 𝚝𝚘 𝚖𝚎 𝚝𝚑𝚒𝚜 𝚒𝚜 𝚊 𝚌𝚑𝚎𝚊𝚙 𝚙𝚎𝚊𝚌𝚎 𝚘𝚏 𝚖𝚒𝚗𝚍. “𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜“ 𝚐𝚊𝚟𝚎 𝚖𝚎 𝚖𝚘𝚛𝚎 𝚋𝚊𝚌𝚔 𝚝𝚑𝚊𝚗 𝚑𝚎 𝚔𝚗𝚘𝚠𝚜 𝚊𝚗𝚍 𝙸 𝚌𝚘𝚞𝚗𝚝 𝚖𝚢 𝚋𝚕𝚎𝚜𝚜𝚒𝚗𝚐𝚜 𝚎𝚟𝚎𝚛𝚢𝚍𝚊𝚢 𝚝𝚑𝚊𝚝 𝚠𝚎 𝚝𝚘𝚘𝚔 𝚝𝚑𝚎 𝚌𝚑𝚊𝚗𝚌𝚎 𝚊𝚗𝚍 𝚜𝚊𝚟𝚎𝚍 𝚑𝚒𝚖.

📷𝙲𝚑𝚎𝚌𝚔𝚎𝚛𝚜 𝚊𝚗𝚍 𝚁𝚒𝚕𝚎𝚢

Summer brings more foot traffic, more events, more people on your property...and more exposure.Whether you run a feed st...
07/26/2026

Summer brings more foot traffic, more events, more people on your property...and more exposure.
Whether you run a feed store, a boarding facility, a farrier operation, or any other small business, your general liability coverage needs to match what you're actually doing this time of year. A lot of small business policies get set up once and are never looked at again.
If your operation has changed at all, new services, more customers, a new location, your policy should reflect that.
Give me a call and let's take a look.

Wildfire season is here in the West. You already know how fast things can move.Your livestock, your structures, your equ...
07/23/2026

Wildfire season is here in the West. You already know how fast things can move.

Your livestock, your structures, your equipment, your hay supply...a fire doesn't care what any of it cost you.

A lot of farm and ranch policies have gaps around smoke damage, evacuation costs, and feed loss that people don't find out about until after the fact.

If we haven't talked about your coverage going into summer, now's a good time. Give me a call.

More horses and livestock are moving this time of year than at any other time. Shows, sales, rodeos, summer pasture, vet...
07/20/2026

More horses and livestock are moving this time of year than at any other time.
Shows, sales, rodeos, summer pasture, vet appointments.

If something happens in the trailer (accident, injury, death) your auto policy probably isn't going to cover it.

Make sure you have the right coverage for what's actually on the road.
DM me or give me a call.

Colorado is a fence-out state, but that doesn't cover you on the road.A lot of ranchers don't know that the fence-out la...
07/17/2026

Colorado is a fence-out state, but that doesn't cover you on the road.

A lot of ranchers don't know that the fence-out law stops at the highway.

If your cattle get out and cause an accident on a public road, you can be held liable.

That's true whether you're in open range country or not.

Ranch liability coverage matters.

If you're not sure what yours covers, let's talk.
Call or DM me.

If summer is your busy season with extra seasonal hires, longer hours, more foot traffic, maybe a farm stand or market b...
06/26/2026

If summer is your busy season with extra seasonal hires, longer hours, more foot traffic, maybe a farm stand or market booth running on top of your usual operation, your risk exposure changes too.

Workers' comp, general liability, and equipment coverage all need to reflect what's actually happening in your business right now, not what it looked like in January.

A lot of small business owners find out the hard way that their policy was written for their quiet season.

Let's make sure yours isn't.

Colic rates climb in summer heat. Dehydration, changes in water intake, more time spent in stalls to avoid the sun...it ...
06/23/2026

Colic rates climb in summer heat.
Dehydration, changes in water intake, more time spent in stalls to avoid the sun...it all adds up.

A single colic surgery can run $7,000–$15,000 depending on severity, and most owners are shocked to learn that without Major Medical coverage, that bill lands entirely on them.

If your horse only has mortality coverage, you may be more exposed than you think this time of year.

Let's review what you actually have before peak heat hits.

Summer is peak season on the ranch; haying, branding, more hired help, more equipment running double-time, maybe even gu...
06/19/2026

Summer is peak season on the ranch; haying, branding, more hired help, more equipment running double-time, maybe even guests stopping by for a farm visit or agritourism event.

Homeowners insurance doesn't cover any of that.
Not your ATVs, not your barns, not your hired hands, not your guest liability.
If your ranch operation has gotten busier this summer than it was when you bought your policy, it's worth a quick review before something happens during your busiest months.

Address

Karey Louthan Insurance Agent
Elbert, CO
80106

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+13032430080

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