Mountain Insurance: Longmont

09/01/2026

Life have you curious? This month is the perfect time to talk to us about life insurance. Whether you need to update your policy or find a new one, take this opportunity to learn more about life.

08/24/2026

Inland Marine Insurance Colorado

Inland marine insurance covers company property that can be moved from one location to another, including equipment, materials, and products.

08/21/2026

⏰ Do you need a business property policy update? 🏢

Businesses change. That's the point.

New equipment, more inventory, a build-out, a move, a hire (or three). Each one can affect your Commercial Property coverage.

Things that should trigger a policy update:

🔨 New or upgraded equipment
📦 More inventory than last year
🏗️ Renovations or build-outs
📍 A move or expansion
💵 Higher rebuild costs (construction prices have shifted)

The risk is real. If your limits haven't kept pace, a coinsurance clause can reduce your payout on partial losses, too. Quiet hit, big surprise.

A review doesn't take long, and we do most of the work. DM us. 📩

08/14/2026

📋 The things your business can’t do without. 🤔

Quick exercise: without looking around, list everything that would need to be replaced if it disappeared tomorrow.

Most people get a few items in and go, "Wow, there's a lot more than I thought."

Easy-to-forget items:

🔧 Tools and small equipment
📦 Inventory in storage
💻 Tech and electronics
✨ Improvements you've made to the space
📑 Leased equipment

Heads up: off-site or leased items may need separate coverage from your main property policy. We'll help you figure out what fits where.

Snap a few photos, jot down some notes, send us a DM. We'll take it from there. 📸

08/11/2026

Businesses that Need Product Liability Insurance CO

With over 10 years of Auto & Commercial Businesses insurance experience in Longmont, Steve works hard to find you the best coverage.

08/07/2026

🏢 Your business is a place. 🛡️

Take a look around right now. The walls, the equipment, the inventory, the computer you're reading this on. All of it adds up to what you've built.

That's what Commercial Property insurance protects.

Here's what it typically covers:

🏗️ Your building: Repairs or rebuilding after a covered loss. Leasing? Improvements you've made may also be covered.
📦 Your contents: Furniture, equipment, inventory, supplies.
💰 Lost income: Not automatically included on a property policy, but can be added or bundled into a BOP.

One heads-up: floods, earthquakes, and sometimes wind or hail are usually excluded and need separate coverage.

August is a strong month for most businesses. Perfect time for a property check-in. DM us. 📩

07/27/2026

What are Commercial Bonds?

Commercial bonds and commercial insurance are similar in that they both help businesses manage their risk.

07/23/2026

🤞 The best policy is the one you never use. 🛡️

Insurance is a strange thing to buy. You pay for it month after month, year after year, hoping you'll never actually have to use it. 💭

But that's kind of the point.

Insurance isn't there for the good days. It's there for the worst day, the one you didn't see coming. The fender bender, the kitchen fire, the tree through the roof, the slip in the parking lot. The kinds of things you'd rather not think about, but absolutely should plan for.

Here's what makes insurance worth every penny when you do need it:

🏠 It protects what you've built.
👨‍👩‍👧 It keeps your family financially stable in a crisis.
💼 It keeps your business running when something goes wrong.
😌 It gives you someone in your corner every single day.

And in case it wasn’t obvious, that someone is us. 🛡️

When was the last time you reviewed your policies? If it's been a while, drop us a message and let's set up a quick review. 💬

07/16/2026

Is Cyber Insurance Only For Big Businesses?

No matter the size of your business, you must be protected from all angles. Cyber insurance is crucial for companies of all sizes.

07/16/2026

💧 What is a flood, actually? 🤔

Stop me if you’ve heard this:

"I don't live in a flood zone." "My house is on a hill." "It's never flooded here before."

The reality? Flooding can happen almost anywhere. According to FEMA, just 1 inch of water in a home can cause damage totaling upwards of $25,000. 😳

But what is a flood?

Flooding is not a burst pipe in your house, or a leaky appliance, or an overflowing toilet. If the water comes from inside your house, it isn’t flooding.

But water flowing in from outside? That’s a flood. It can be from things like:

🌪️ Stronger and more frequent storms 🏗️ New development changing how water drains 🌊 Rising sea levels and shifting weather patterns 🛣️ Aging infrastructure that can't keep up with heavy rain.

The good news is that flood insurance is more accessible than ever, with options through both the National Flood Insurance Program (NFIP) and private carriers. We can help you compare what's out there and find the coverage that fits your situation. 🛡️

Call or DM us, and let’s get your coverage above water. 📞