Articles

A mistake many employees make is not filing for Colorado workers compensation as soon as an injury or illness occurs. The problem with this habit is that their procrastination could cost you more money in the long run, if medical conditions are ignored and left to cause irreversible damage, preventing the individuals from returning to work.

Carpal Tunnel Syndrome is one such injury. To prevent prolonged pain or permanent injury, the individual might need to make changes to the activities they perform. Unfortunately, there are some cases in which a person has allowed the injury to carry on for so long that even surgery is unable to correct all the damage to his or her nerves and muscles. Why are the symptoms of this condition sometimes ignored? Many people who suffer from the symptoms have no idea about their risk of permanent injury. In severe cases, individuals are unable to clench a fist or grasp things with their affected hand.

You should not allow your employees who may be developing this condition due to their job at your business to reach such extremes. Make employees aware of the risk and do what you can to minimize it. Insist that individuals who exhibit the signs see a physician immediately. A Colorado workers compensation claim for a few visits to the doctor is likely to be far less than one for corrective surgery or worse, permanent disability.

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Whirling debris, howling wind and darkness are some of the things residents have to look forward to when a tornado forms. Having Colorado insurance could allow you to focus all your concentration on keeping your family alive during such a disaster instead of being sidetracked by tallying the money it could take to repair your home. Once the wind has died and you are able to leave your home, keep in mind the danger is not over. The safety tips below could help ensure your household remains unharmed until help arrives:

•    Make sure your family stays together; wandering off could be dangerous.

•    Is anyone injured? Administer first aid when possible; if an issue is too severe for you to handle, stay with the individual to help keep him or her still and calm.

•    It is important to stay away from downed power lines, as they could still be carrying a current.

•    As you explore the debris, keep an eye out for hazards, such as nails and broken glass.

•    You should not smoke or light a fire. This could lead to an explosion if there is a gas leak nearby.

•    Once the emergency services arrive, follow their directions.

Tornadoes are one of the most deadly and destructive types of natural disaster. From the formation of the twister to cleaning up the mess left behind, it is vital you keep your senses about you to avoid unnecessary injuries. As soon as you are able, you should inform your Colorado insurance provider or agent of the damage and start the claim process.

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Are you considering adding a fence to your yard? Perhaps you’re hoping to reduce the incidence of theft and subsequent claims on your Colorado insurance, or to improve privacy. Not all physical barriers are equal, so you’ll need to consider what might be appropriate for your property. Some are created with security in mind while others aim to block the view of nosy neighbors.

For those interested in upping their home’s security, careful consideration should be given to a fence’s materials. You want to choose something durable, such as steel, to ensure criminals are unable to break through the barrier. Combining the strong metal with concrete could further increase your defenses. Various toppers could also be added to make the fence difficult to climb or jump over.

With privacy fences, the goal is to limit visibility from outside the property. Almost any type of material could be used; the key is to limit the space between the panels to keep out prying eyes. Juniper bushes and other plants could also be used to create a thick barrier around your home. The problem with this option is that unless you buy mature plants, it may be a few years before your yard is hidden from view.

While shopping for a fence it is important to consider the pros and cons of your options carefully. Some fences decrease your odds of experiencing a break-in; other types might increase your liability risk by posing a threat to trespassers. You should also double check your Colorado insurance policy to ensure it includes coverage for your fence in case of damage.

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There are a wide variety of ways to safeguard your business. Some business owners simply settle for purchasing Colorado insurance to ensure they could be compensated for losses. Another option is hiring security guards. No matter what type of business you have, if you have a substantial problem with security employing security personnel might act as an effective deterrent and help you avoid a multitude of financially burdening situations, such as vandalism and theft.

In Colorado, security guards require a license, so it’s important to realize that you cannot simply hire a person of your choosing to perform the security function for you. Engaging the services of an established security company is likely to have a number of advantages:

•A reputable security service will carry the appropriate insurance.
•Guards will be trained.
•You won’t be reliant on a particular individual – if a guard is off duty or ill, the security firm will be able to ensure that a replacement is arranged.

Just as you would do when purchasing Colorado insurance, obtain more than one quote for security guard services. It can also be a good idea to observe a company’s guards at work at another location prior to making a decision – the presentation and manner of security guards on your premises can enhance or detract from the image of your business.


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Many businesses by law have to carry Colorado workers compensation to ensure there are funds available in case an employee is injured on the job. Injuries at the workplace are not uncommon unfortunately, so having this coverage is an essential for business owners to help avoid financial burdens and lawsuits. When it comes to being hurt on the job, there are minor incidents and serious ones. Concussions could fall into either category.

Concussions have a variety of potential side effects, some of which are considered typical and not a cause for alarm. These may include drowsiness, headache, confusion, brief memory loss, nausea, and vomiting. When should you seek professional medical aid? It should be considered an emergency situation when the injured person experiences a seizure, continuous unconsciousness or confusion, trouble walking, and excessive vomiting.

Head trauma could lead to internal bleeding, swelling of the brain and other very serious medical issues. Even when a head injury is thought to be minor, it is best for business owners to call 911. Paramedics could make sure there are no unseen complications by examining the injured individual. With the expenses likely to be covered by your Colorado workers compensation policy, there is no reason not to ensure your employees get the best medical attention possible after being hurt on the job.

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Tornadoes are not rare in the Centennial State. This is why many residents make doubly sure that such damage is covered by their insurance Colorado policy. How high are the odds of you experiencing damage during a tornado? The amount of destruction left in the wake of a cyclone depends greatly on its strength. According to the National Oceanic and Atmospheric Administration, there are three basic categories of tornadoes.

•The majority of tornados are considered “weak” – an estimated 69 percent fit into this group. They typically last 10 minutes or less and have a wind speed of no more than 109 MPH. Such tornadoes are deemed responsible for the least amount of tornado-related deaths, at less than 5 percent.
•“Strong” tornados make up about 29 percent of the total number of tornadoes that form. Almost 30 percent of all deaths related to tornados occur during these storms’ lifespan, which is usually 20 minutes or longer. Winds may reach a maximum of 205 MPH.
•Only an estimated 2 percent of all twisters are considered “violent”. The majority of tornado deaths, around 70 percent, are caused by these severe windstorms. With wind speeds over 205 MPH, such tornados could cause destruction for over an hour.

It is important to note that these classes of tornados differ from the classification scale under the Enhanced Fujita scale, and that a “weak” tornado can still have the potential to cause significant damage. You should follow recommended procedures or immediately seek shelter in the event of a tornado, regardless of its classification. Only once the danger has passed should you begin to document the damage and contact your insurance Colorado agent.

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No matter the service your business provides, the equipment you employ could represent a possible risk to your staff, which means you might one day need to call upon your Colorado workers compensation. With proper maintenance and regular checks, however, you could improve the odds of avoiding employee injury.

Depending on the type of equipment used in your business, the risk of electrocution may vary. Even if you believe the danger of such an incident is very limited on your property, you should make sure all cords are in good shape - watch out for frayed or torn wires and loose fittings or prongs.

The installation of any new equipment should be in strict accordance with the manufacturer’s guidelines. This could be an important issue in terms of not just proper function, but also safety. Whenever feasible, use a licensed and bonded professional who is well practiced with the equipment at hand.

Make certain your staff is fully trained on how to properly use and maintain all equipment, and that they know how to react in the event of trouble. It is also wise to carefully control who has access to certain equipment. Only a properly trained and competent worker should be allowed to operate machinery.

Equipment may be a dangerous, but it is also often a necessary part of the trade. Having Colorado workers compensation prepares you for the worst, but you may be able to avoid claims simply by regular checking the machinery and having good safety procedures in place.

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Many people associate on-the-job injuries with physically intensive work. It is not hard to imagine a construction worker or a deliveryman facing the risk of being harmed during normal, day-to-day tasks. In reality, any job, no matter the industry, has the potential to put employees in the position of needed medical attention. That is why you want to carry Colorado workers compensation - to cover the expenses of such accidents for both you and your employees. As the business owner, you should not simply settle for obtaining insurance. You should also take steps to prevent injuries from occurring in the workplace.

Evaluate your location for risks involving falling objects. The danger of such an incident is not only frequent in warehouses, but could also happen every day in office spaces. Secure all items that are stored above head level and keep heavier items on lower shelves.

Slip-and-falls are also common at business. Something as simple as a little water spilled in the break room, for instance, could lead to a serious injury and workers’ comp claim. Make sure your people know not only to clean up messes immediately, but also to report any larger issues so they may be rectified.

Workplace accidents are just one of the realities of doing business. You do not want to find yourself looking back at an incident and discover the injury could have been prevented with a little effort on your part. Even with Colorado workers compensation, you should do all you can to prevent accidents.

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Many people wish they could lower the premiums of their car insurance Colorado. The truth is it is often the drivers who cause the skyrocketed rates in the first place. What are some decisions and circumstances that could lead to an increase in car insurance premiums?


A poor driving record is one of the most common reasons behind exorbitant rates. Consider how many accidents or traffic tickets you have received in the past few years. Each one is a black mark on your record and makes a rate increase more likely.


An immodest car may also lead to you shelling out more money. Do you have a convertible, sports coup, or other flashy vehicle? These can inspire higher rates because they are worth more, attract thieves, and may be over-represented in crash statistics.


There are also things you could do to decrease the amount you pay for car insurance Colorado. Along with driving safely you could consider increasing your deductible, which is the amount you are responsible for paying on a claim. There are also many discounts available. Contact one of our agents to find out which ones you might be eligible for.


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In the Grand Canyon State, flood season lasts from early April to late September. During this time, flooding is more likely, although it could occur any time of year. While the town of Boulder is considered to have the highest risk of fatalities during flooding, residents of all cities are in danger. Preparing for this type of severe weather should include more than bolstering your current home insurance Colorado policy with flood coverage from FEMA. You should also arm yourself with the knowledge of what to do during a flood.


• You should move to the highest level possible as soon as you are aware of the danger. The roof should be considered your last resort.
• Do not touch floodwaters unless absolutely necessary. Floodwaters often contain hazardous materials, such as raw sewage.
• Do not try to drive through flooded roads. Your car could be swept away by the current in less than two feet of water.
• When water is more than ankle deep, do not walk through it and be aware that walking through murky water leaves you at risk of stepping on broken glass or other sharp items.
• Avoid power lines and electric wiring during and after a flood.
• Turning off both electrical and gas utility connectors is a smart idea for those who have ample warning of the potential for flooding.


Repairs and cleanup after a flood could take weeks or even months to finish, even when you have flood insurance in place. Flood season is right around the corner – are you ready? Why not also review your other insurance? Colorado residents are welcome to call us for information and advice on a range of insurance
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