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APCO Insurance, 400 Inverness Pkwy Ste 180, Englewood, CO (2026)

01/30/2021

Can A Landscaper Turn Off Insurance During the Colder Months When They Are Not Landscaping?: The colder months are off-season periods for the landscapers who do not provide additional services, such as snow removal or dead plant removal, but the period from the end of fall to the beginning of spring can just as well be a time when business goes as usual.
Whatever your range of service, turning off your insurance for the period is not a good idea. First of all, having continuous general liability insurance Colorado coverage makes it possible for you to extend your range of service anytime, without having the shop for a suitable insurance policy before you or your employees climb to a snow-covered roof to clean it. Another reason why you should not interrupt your insurance coverage is that turning your insurance on and off repeatedly will increase your costs by increasing your premiums and you surely don't want that.
There is a third reason why turning off your insurance is not the best idea: even if you don't do much work during the winter, you still have employees, commercial vehicles and landscaping machines that need continued insurance coverage even when the time of the year is not suitable for intense work and your commercial building also needs to be insured continuously.
Originally Posted here: Can A Landscaper Turn Off Insurance During the Colder Months When They Are Not Landscaping?

The colder months are off-season periods for the landscapers who do not provide additional services, such as snow removal or dead plant removal, but the

01/23/2021

Does A Plumber Need Extra Insurance During the Winter Months?: Plumbing contractors need multiple insurance policies to be able to operate legally and to have suitable protection for their business, for their employees and for their assets.

While the plumbing services provided in winter do pose specific challenges – working among cold conditions requires different approaches and often different tools as well – the types of plumbing insurance Colorado coverage needed for these activities is not different from the policies required for the activities performed during the rest of the year. The most important policies include a public liability insurance to provide coverage for any property damage or injury resulting for your activity, coverage for your tools and other equipment that you use during your work, workers compensation insurance and coverage for personal illnesses and accidents.
Each of these policies provides coverage for a specific range of risks and before you start including winter work into your service range, you need to determine the specific risks associated with your new services. In the next phase, you will need to check whether your existing policies offer suitable coverage. If they do not or if you feel confused by the complicated language used in the text of your policies, you can turn to your insurance agent for help and advice.
Article Source here: Does A Plumber Need Extra Insurance During the Winter Months?

Plumbing contractors need multiple insurance policies to be able to operate legally and to have suitable protection for their business, for their

01/16/2021

How Long Does It Take to Receive A Food Service Insurance?: Whether you are the owner of a restaurant that does or does not provide home delivery, you operate a food truck or you have any other type of food service business, you need to get not only a general liability insurance and workers compensation insurance, but also coverage for the specific risks associated with preparing and serving food.
No two businesses are ever the same, therefore the coverage that you should get for your business needs to be tailored to your exact needs. The process of identifying the type of coverage that best serves your interests might take some time, so the best way to accelerate that phase is turn to an insurance specialist – as not all insurers provide all types of policies, the best way to obtain the information that you need is to turn to an food service insurance Colorado broker.

When you know exactly what you need, it is time to prepare your documentation – the insurer that you choose will require you to provide various documents to prove that your business is legal and also to provide details about your activities. When your documentation is complete and you have the policy, you only need to sign it – insurance policies usually take effect in a very short time from signing.
Original Post over here: How Long Does It Take to Receive A Food Service Insurance?

Whether you are the owner of a restaurant that does or does not provide home delivery, you operate a food truck or you have any other type of food service

01/09/2021

Do You Still Need Landscaping Insurance in the Winter? :
People who do not work in the landscaping business may think this is an idyllic job, associating it with green grass and bird song. However, the reality can be very different, as being a landscaper often brings relentless challenges. It is a very competitive field of activity, especially during the winter, when the freezing weather and the snow prevent them from doing their regular activities. In this context, many landscapers turn to other activities to survive the season. Here are some of them:

Lawn preparation for winter

Many landscapers also deal with lawn preparation for the cold season, which includes various operations they are familiar with: trimming vegetation in the yard, removing leaves and dead plants, de-thatching, aerating and fertilizing the lawn, planting bulbs that will sprout when the winter will be over, protecting young trees by wrapping them in burlap, draining sprinklers etc.

Holiday lighting

Many landscapers turn to holiday light installation and removal in the winter, because it is a profitable job. Some of them also provide customers storage solutions for their lights and decorations, until next year.

Gutter cleaning services

This is another popular job during the cold season, due to snow and ice accumulations that must be removed from the gutters, to avoid roof damage, water infiltration and other issues.
For all their activity, landscapers need insurance. The good thing is that their insurance can work for these complementary activities too. If you are a landscaper, talk to a knowledgeable landscaping liability insurance Colorado agent to make sure you are covered for all the activities you perform.
Originally Posted over here: Do You Still Need Landscaping Insurance in the Winter?

People who do not work in the landscaping business may think this is an idyllic job, associating it with green grass and bird song. However, the reality

01/02/2021

Do You Need a Separate Insurance if You have a Restaurant and Bar Combo?: Yes, you do, if your restaurant and bar are separate facilities; otherwise, insurance for facilities that serve either food, alcohol, or both is the same, whether they are called bars, restaurants, diners, cafeterias etc.

Whether you are the owner of a restaurant or a bar, your activity differs from that of other entrepreneurs. That's why you need specific restaurant and bar insurance Colorado coverage to meet your needs, starting from the insured goods to your employees.
Insurance providers offer different options you can choose from:

Insurance for your building and goods, for the main risks: fire, explosion, earthquake, flood, landslides, storm, torrential rain, tap water, theft and others, but also the expenses generated by such events.
Insurance for stocks in transit, from suppliers to customers
Insurance for financial losses due to activity interruption: if you have to interrupt your activity to repair damages caused by unforeseen events, you may be compensated for the loss of profit registered during the insured period and caused by the reduction of turnover due to the interruption of the activity or operating costs through the occurrence of additional costs.
Civil liability specific to your field of activity as well as worker`s compensation.

Original Post here: Do You Need a Separate Insurance if You have a Restaurant and Bar Combo?

Yes, you do, if your restaurant and bar are separate facilities; otherwise, insurance for facilities that serve either food, alcohol, or both is the same,

12/26/2020

What Questions do You Ask when Finding the Best Plumbing Insurance?: A good plumber has a good track record and recommendations. He is known for doing his job responsibly and can offer you a guarantee for both workmanship and materials. All companies in this branch must also have insurance, at least for potential damages, because they face some unique risks during installation and repairs of plumbing systems. Additionally, just jike any other business, a plumbing company may face property damage or experiencing the loss of important documents, so having some additional coverage can turn to be essential to be protected against these risks.
When finding the best insurance, you will have to talk to several insurance providers and see what they can offer you. It is important to ask questions in order to obtain answers that clear up things for you and help you make a good choice.

Do you offer comprehensive business insurance plans?
Many insurance providers offer insurance options that combine several important plumbing insurance Colorado coverages in one policy. This way, you will be able to save on costs while enjoying more protection than in the case of purchasing liability insurance alone.
Will you make me a written offer?
It is important to get a written quote, in order to take your time and read it carefully and then compare it with quotes received from other insurance companies. Do not purchase anything until you go through these steps.
First Seen here: What Questions do You Ask when Finding the Best Plumbing Insurance?

A good plumber has a good track record and recommendations. He is known for doing his job responsibly and can offer you a guarantee for both workmanship

12/19/2020

How Do You Find Workers Compensation in Colorado: One question many business owners ask is whether workers' compensation coverage is needed in their state. In most cases, the answer is yes.
If you have a business in Colorado, you must know that local requirements include mandatory workers' comp insurance for all businesses, full or part time, in the public or private sector.

Law-abiding employers are generally immune from lawsuits caused by injured workers.
While workers' compensation insurance is mandatory in most states, the way coverage is sold varies from state to state. Most states allow the sale of workers' compensation insurance by private insurance companies, as long as they meet the state`s financial requirements. There are a few states that prevent this practice – we are talking about the so-called monopolistic states, which prohibit the sale of workers' compensation insurance by private insurers. However, Colorado is not among them.
Colorado is an NCCI state. The specific functions performed by the NCCI differ. In some states, NCCI deals with the evaluation of experience, including the calculation of experience modifiers. It also develops and maintains the classification and rating system used in the NCCI states. In addition, the NCCI creates and publishes notices and forms used to issue workers comp insurance Colorado policies.

Article Source over here: How Do You Find Workers Compensation in Colorado

One question many business owners ask is whether workers' compensation coverage is needed in their state. In most cases, the answer is yes. If you have a

12/12/2020

What is Difference Between General Liability Insurance for a Small Business and a Larger Business in Colorado: Professional liability insurance is a type of policy that covers damages you may cause to your clients or beneficiaries as a result of acts or deeds committed through your fault. This category may include errors, unintentional mistakes, omissions etc. - all committed during the professional activity for which you are authorized or in direct connection with it.
Specifically, this type of policy protects you from the consequences of disputes that may arise as a result of unintentional professional mistakes.
When you choose a professional liability insurance Colorado policy, you will have to read about legal requirements on the state`s Department of Labor and Employment website, or consult with a specialist. The thing is, the amount of liability insurance for a large business is different than for a small business, because it depends on the potential risks your business may face.

For example, if you are the owner and sole proprietor of a small design business, you have fewer risks than a building contractor, for example, that has many employees and provides services involving additional risks.
Your premiums will depend on the amount of coverage you request.
First Posted over here: What is Difference Between General Liability Insurance for a Small Business and a Larger Business in Colorado

Professional liability insurance is a type of policy that covers damages you may cause to your clients or beneficiaries as a result of acts or deeds

12/05/2020

Insurance Your Plumbing Company Doesn't Have to Drain the Bank For: Just like any other businesses, plumbing businesses can be affected by different risks, including accidental damage, negligence, work accidents etc. It is important to cope with these hazards in order to protect your business and avoid dealing with downtime and losing your resources.
There is a broad range of plumbing insurance Colorado policies offered to keep you covered, so you can choose what`s best for your needs and budget.
These following policies are particularly relevant to plumbing companies:
General Liability Insurance
General liability helps you deal with accidental damage or injury to third parties (as well as third-party property!), by providing funds to cover legal fees, settlements, medical payments etc.
Commercial Property Insurance
This insurance protects the value of your commercial property if it is damaged or destroyed (common perils: vandalism, fire, water damage, explosion etc.). You will get coverage for buildings that belong to or are leased by your company, as well as for plumbing equipment, tools, supplies and other contents of the buildings.
Workers' Compensation Insurance
This is another type of insurance legally required in almost all states, and also particularly important for plumbing companies. No matter how well-trained and informed workers are, plumbing is an activity with a high risk of injuries. Workers comp provides coverage in the event of a work-related injury/ illness and also ensures financial benefits to surviving dependents if a worker dies in a work-related accident.
First Seen over here: Insurance Your Plumbing Company Doesn't Have to Drain the Bank For

Just like any other businesses, plumbing businesses can be affected by different risks, including accidental damage, negligence, work accidents etc. It

11/28/2020

Insurance Must Haves for Roofing Companies:
If you are the owner of a roofing company, you will certainly find extremely useful having a roofing contractors insurance Colorado policy that covers liability in connection with the roofing projects that you execute, as well as work accidents. Liability insurance and worker`s comp are mandatory, but in addition you can choose other optional insurance types.
You can get insurance regardless the type of roofs you are dealing with on a regular basis- residential, commercial or industrial.
Compensation that can be granted in case of an insured event:

Contractual liability and direct financial losses - covers you for any real or alleged professional error, misrepresentation, omission, breach of obligation etc., committed in the performance or non-performance of professional services
Reputation expenses - covers you for spending money to counteract the negative effects as a result of a professional error
Fines and penalties received from the authorities
Subcontractors - covers you for any damages caused by subcontractors with whom you have signed contracts
Damages caused to third parties (bodily injuries and/ or material damages), in direct connection with the construction and installation works carried on site or in its immediate vicinity
Expenses for cleaning the site or removing debris as a result of damage
Expenses for limiting or reducing damages

First Posted on: Insurance Must Haves for Roofing Companies

If you are the owner of a roofing company, you will certainly find extremely useful having a roofing contractors insurance Colorado policy that covers

11/21/2020

Insurance for Contractors – What do I Need?: Insurance is absolutely necessary for a company, because it protects it and its employees from all kind of bad scenarios that may happen.
Here are the types of contractor insurance Colorado businesses should have to be covered:

Comprehensive, general insurance for several types of risks

The first type of insurance that any business needs is a broad spectrum insurance that covers several types of risks. It allows you to obtain compensations for material damages, bodily injuries, court expenses, as well as for expenses for limiting or diminishing the damages. Liability insurance and workers` comp are mandatory, but for your peace of mind, you can also opt for additional personalized insurances, which will offer you complete coverage.

The company's assets deserve to be insured from the moment they are purchased. Such insurance is needed because there are countless of possible situations in which these assets may no longer be used (damage, theft etc.), and the business has to suffer.

If some of your goods are destroyed or stolen, the insurer pays for them, and your business can resume its activity without dealing with expensive downtime.

Business interruption insurance

This insurance is required if the business suffers a loss of income due to a disaster. It seems extreme, but business interruption insurance can actually be a lifesaver, if you must face some extreme situations.
Originally Posted on: Insurance for Contractors – What do I Need?

Insurance is absolutely necessary for a company, because it protects it and its employees from all kind of bad scenarios that may happen. Here are the

11/14/2020

What is Professional Liability and Why do I Need It?:
Your job is based on reputation and you can't afford to make mistakes. As a professional, whether you are a doctor, a lawyer or a contractor, you must be extremely careful, because even the slightest mistake can bring major harm to your clients.
Professional liability insurance covers the liability you have assumed contractually towards the clients/ beneficiaries for the damages caused to them, as a result of certain acts, deeds, committed through your fault (errors, omissions, unintentional mistakes), during and/ or in direct connection with the performance of the professional activity for which you are authorized.
This type of insurance is usually mandatory, imposed by legislation or by professional organizations/associations in order to obtain/ renew the operating license in the respective field.
Risks covered

professional civil liability - the compensations requested from the insured by a damaged third party
expenses regarding compensation limitation services
document restoration expenses

- all of these resulting from culpable acts (error or omission, unintentional violation of professional duties or negligence) committed by the insured while providing a professional service.
Compensation granted
Professional liability insurance coverages:

the amounts of money established on the basis of a court decision or amicable settlement
defense costs (e.g. court costs and costs of external consultants)
expenses with compensation limitation services (fees and/ or costs necessary for the services of an external lawyer or consultant, requested in order to minimize the risk)
document restoration expenses

Originally Posted here: What is Professional Liability and Why do I Need It?

Your job is based on reputation and you can't afford to make mistakes. As a professional, whether you are a doctor, a lawyer or a contractor, you must be

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Monday	9am - 5pm
Tuesday	8am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm