Business Owner Policy

You work hard to secure you assets and you put in a lot of time and energy to grow your business. When it comes to safeguarding your prospects for your business you can rest easy knowing that CoWest Insurance Group-DTC has got you and yours covered.

Business owners can own a variety of assets including: vehicles, offices and valuable inventory. Every dedicated professional knows and understands that a good business plan is based on maximizing your skills while evaluating your risks. If there is anything that we do better than anyone else, it's in understanding risk. Unforeseen events will happen, there is no preventing that, but there are ways to mitigate them while protecting your company's bottom line. Business insurance can be daunting to any business owner; will my business survive should some of my key employees becomes disabled? Do I have all my bases covered in the case of an emergency? Do I have enough to deal with a potential lawsuit? The fact of the matter is you need to know what your liabilities are when it comes to your Highlands Ranch business.

Here are some of the more common business insurance policies that we at CoWest Insurance Group-DTC deal in:
  • General Liability Insurance
  • Product Liability Insurance
  • Employee Insurance
  • Business Liability Insurance
  • Various Other Options
It's a competitive world out there, whether you have a small, medium or large enterprise, we at CoWest Insurance Group-DTC will always be in your corner. So if you value peace of mind, then give us a call and have us put you and your company on the right track towards a prosperous and secure future.
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Commercial Auto Insurance

With thousands of accidents happening on highways every year, Commercial Auto Insurance provided by CoWest Insurance Group-DTC is always a sensible option for your company and your fleet. When you are on the road, servicing your clients, you need to know that you are covered by the right insurance.

You want to keep your business moving forward and you want to provide your clients with a reliable service that is worthy of your company. We have been providing Highlands Ranch with a peace of mind that only comes from a top quality, comprehensive insurance service. No matter how large or small your fleet is - whether you are just using your own car or many trucks, we have a wide array of suitable plans that can be tailored to you and your company's needs.

From theft, to bodily harm, to auto damage, there are a whole series of unforeseen events that can happen to your fleet. This is why we offer versatile plans that are designed to not only let you rest easy, but save you money. Some of the most popular policies we offer include:
  • Bodily Injury Coverage
  • Property Damage Liability
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Deductable consultation
The fact of the matter is there is no 'cookie cutter' plan available, instead we encourage Highlands Ranch's fleet owners to get in touch with us for consultation where we can work with you on crafting a plan that will suit your specific needs. More often than not, people buy insurance without knowing how much they require; many businesses are only covered for relatively minor fender benders, which is not enough for most accidents. Others have a tendency to go to the other extreme and over insure themselves, which can actually cause a slow bleed that eats into their bottom line. We at CoWest Insurance Group-DTC offer balanced solutions that both protect your fleet and save you money.
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Commercial Property Insurance

Commercial Property Insurance provided by CoWest Insurance Group-DTC is a necessary safeguard for your buildings, contents and other equipment used by your company. If you want to cover most, if not all of your financial losses in the event of a setback, commercial property insurance is always a smart choice.

Like all forms of insurance, there is no standardized solution that will fit all the needs of Centennial's diverse commercial community. A business establishment is very similar to a domestic property. It is susceptible to many of the same threats and dangers that can happen to your home; theft, fire, water damage and so on. Though unlike your home, there are many other challenges that present themselves when it comes to your business: equipment breakdown, employee dealings and lost time (and profits) resulting from interruptions throughout the claiming process.

Good coverage comes from asking the right questions and matching you and your business with a plan that is right for you. Throughout our many years in the insurance business, we have always put customer service at the heart of our business. If you are looking to get started, get in touch with CoWest Insurance Group-DTC and find out what your most optimal plan can be. We understand that you have a business to run and that you do not have the time to go over all your options. Luckily, our consultants have all the information at hand; we can do all the research and find the best quotes that will match your needs and budget.
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Commercial Umbrella Insurance

In an era where lawsuits can be in the millions of dollars, an umbrella policy, with its added protection and security just makes good business sense. If you want to make sure that your firm can absorb such costly expenses, then an umbrella liability policy provided by CoWest Insurance Group-DTC will give you peace of mind at an affordable price.

When Denver's businesses use us for their umbrella liability policies, they gain from a wide array of benefits. As implied by the name, an umbrella policy is a supplemental plan that covers or 'drapes' pre-existing policies. On top of that, it generally isn't limited by geography. In other words you can take your policy with you and rest assured with our worldwide coverage that is effective beyond Denver's borders. Some of the other benefits include but are not limited to:
  • Broader definitions of bodily injury, personal injury and other types of injuries
  • Further limits against worst case scenarios
  • Covers a wide range of liability insurance
  • Provides additional coverage for claims that may be excluded by other policies
One of the more attractive aspects of an umbrella policy is something called the 'drop down effect'. This effect occurs when one of your already existing coverage plans either falls short to cover the claim at hand or expires altogether. Should any of these events take place, the umbrella policy can fill in the gaps or 'drop down' and act as a substitute policy and thus give Denver's business owners coverage without them having to renew their pre-existing plans.

With an increasingly litigious society that can inflict serious fiscal damages on your business, you need a policy that has you covered in the worst of times. By working with multiple plans, an umbrella policy will compliment you and your business. Get in touch with us at CoWest Insurance Group-DTC and find out what we have to offer you.
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Commercial Liability Insurance

Easy, affordable and flexible, general liability insurance provided by CoWest Insurance Group-DTC is a solid, comprehensive solution for your workplace should you and your firm be faced with either bodily injuries or damages caused by your employees both in and outside the premises of your business. We offer a wide variety of coverage plans for any type of business.

General liability insurance offers flexible solutions that can be tailored and customized to your business. We at CoWest Insurance Group-DTC want to take this opportunity to remind those interested in this type of coverage to consult with us in order to find the plan that is right for them; like other types of insurance, people have a tendency to either over or under insure when they attempt to get coverage by themselves.

Even if you are self-employed and run a home based operation you still need coverage found in a general liability insurance plan; remember, most home insurance policies in Centennial do not cover your home business. Sadly, many small business owners operating from home have found this out the hard way. We want Centennial to know that no matter what your business is or where it is located you definitely need to get covered. Here are some of the more popular coverage options:
  • Injuries to customers, employees, vendors and visitors that occur on your premises
  • Injuries that occur outside your business premises that are caused by an employee
  • Third party property damage caused by an employee
General liability insurance is also highly flexible as it can be combined with other insurance policies. We are here to help the people of Centennial figure out what are the most cost effective bundles that are best for them and their business.
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Professional Liability Insurance

For those who need protection and coverage regarding claims made against them from third party losses, CoWest Insurance Group-DTC's professional liability solutions offer a simple and effective way to mitigate and reduce potential losses. Our dedicated and knowledgeable staff can take all the mystery out of the whole process and put you on the right track towards security and comfort. We promise to match our coverage with your standards.

Not everyone is a lawyer and no one has the time to figure out all the legal complexities that can result in a lawsuit. Furthermore, as anyone in Centennial knows, legal costs can pile up and get very expensive. This is exactly why professional liability is so important; Centennial's business owners might be held accountable for damages they may not have even known existed. For instance, did you know that you may find yourself liable for an outsourced product? You can even be liable in even more remote ways, like online commerce and intellectual property issues. This is why we at CoWest Insurance Group-DTC want to encourage everyone in Centennial to get in touch with us.

Remember, all it takes is one substantial lawsuit to not only cause irreparable damage to your company, but also to your reputation which can have long term consequences if left unchecked. You need a company like CoWest Insurance Group-DTC in your corner that seeks out your businesses' characteristics and needs. Once known, we can provide a coverage plan that is designed to suit you and your budget, allowing you to rest easy and focus on what you do best with a clear mind.

Understanding all these issues can be daunting if not completely overwhelming for those who are not familiar with them; this type of liability usually requires high levels of analysis from attorneys, actuaries and economists in order to tailor a plan that is right for you and your company. Luckily, we have been in the insurance business for many years and through our networks of dedicated and committed professionals we have been delivering exactly what our clients need.
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Workers Compensation

Whether you have one or one thousand employees, you need to have the right plan in place to control the costs of potential worker's compensation claims. We at CoWest Insurance Group-DTC, with our many years of experience in the field, have been helping some of Centennial's most diverse companies find the optimal and least costly solutions for their workers compensation issues.

Worker's compensation insurance can actually be one of the largest expenses a company has to deal with. This is why we offer Centennial some of the most competitive pricing. Due to our many years dealing with worker's compensation, we have developed all the necessary networks that yield the best rates available. Our premium options are flexible and include some of the following:
  • Guaranteed cost, by which a premium is paid and fixed according to a policy period based on payroll and employee classification
  • Loss Sensitive premiums are 'fluid' in the sense that they are adjusted based on previous claims experience
  • Employer claims based on costs incurred
Our approach is based on not only solving problems but preventing them before they start. We offer comprehensive solutions that will not only save you money but also reduce the probability of workers compensations claims happening in the first place; some of these measures include periodic reviews of risk and safety, thorough investigations if instances of fraud are suspected, open claims and experience calculations and return to work programs.

So if you want to simultaneously identify your best coverage options, reduce risk, minimize costs and ensure that you and your company will be secure then you should get in touch with Centennial's premier insurance providers. Our consultants are no more than a click or call away, waiting to help you rest easy. So why not give us a call?
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