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3581 Oneal Ave.,
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How workers compensation insurance can help protect both you and your employees

Posted on May 19, 2023May 11, 2023 by admin

Workers’ Compensation insurance from Laine Insurance is an important form of protection for both employers and employees here in Colorado. Not only can it provide financial help to employees if they are injured on the job, but it also serves to protect employers from liability in the case of employee injury or death.

Benefits of this vital coverage

If an employee is injured while on the job, workers’ compensation insurance will cover medical expenses and a portion of lost wages. This gives employers peace of mind that they won’t be held responsible if an employee sustains an injury while at work, as well as providing coverage for any medical costs related to the injury. In addition, this coverage option can also provide death benefits to families of workers who die in a work-related incident.

In addition to protecting employees, workers’ compensation can provide reassurance for employers that they won’t be held liable in a lawsuit resulting from an employee injury. Without this type of coverage, companies could face potentially devastating damages that could put them out of business.

Overall, workers’ compensation insurance is beneficial for both workers and employers alike by providing financial assistance and protection from potential lawsuits. It’s essential for businesses to have this kind of coverage in place in order to protect themselves from legal action and ensure their employees are taken care of after a workplace accident or illness.

Reach out to us

For more information or to explore a policy that suits your needs, give us at Laine Insurance a call today. We are proud to serve the state of Colorado. It would be our pleasure to help you.

Why having home insurance in Colorado is so important?

Posted on April 11, 2023April 17, 2023 by admin

The state of Colorado has been one of the quickest-growing in the country as many people come here to enjoy the expanding job markets, nice weather, and range of outdoor activities. Those that are looking to live here should consider purchasing a home. If you are in the market for a property in this state, getting insurance for it needs to be a top priority.

Having a home insurance plan is an important investment for many reasons:

Ensures Assets are Covered

A reason all people need to have a home insurance plan in this state is to ensure their assets are covered. If you intend to purchase a home, you will be making a very significant investment and the best way to ensure it is supported is with insurance. If you have coverage, you will have support to offset costs associated with fire damage, bad weather, theft, and other perils.

Comply with Obligations

You should also have a home plan to ensure you’re able to comply with your obligations. Anyone that buys a home will have some home insurance needs. If you are in a home association or have financed the purchase with a loan, you will be obligated to carry insurance. Having this coverage will keep you in good standing with your various agreements.

Give Us A Call

When you are going to buy a home in Colorado, you need to make sure you are properly insured. One of the best ways this can be done is by calling our team with Laine Insurance. There are always going to be big decisions to make when looking for this coverage and our professionals at Laine Insurance will help you create your next plan. This will provide assurances that you remain fully insured and protected at all times.

Do I Need a License to Get Auto Insurance?

Posted on March 27, 2023March 29, 2023 by admin

Many people in Colorado think they have to have a valid driver’s license to get auto insurance. This isn’t necessarily true. Some insurance agencies do provide coverage options for those without a license.

Keep reading to learn about getting insurance without a license or contact Laine Insurance today.

Listing Yourself as an Excluded Driver

The key to getting auto insurance without a license is to buy a policy with yourself listed as an excluded driver. Since you will not be insured if you drive the automobile and get into an accident, the insurance company’s risk is reduced. You should know, though, since you’re listed as an excluded driver, law enforcement will treat you as if you have no insurance in the event you are pulled over while driving; this can lead to hefty fines.

Add a Licensed Co-Owner

If you can’t find an agency that will sell insurance to you without a license, you may want to consider adding a licensed driver as a co-owner on the car’s registration. You can then put the insurance policy in the co-owner’s name. A spouse, family member, or friend who often uses the automobile might be a good choice.

Get Parked Car Insurance

All vehicles must be insured, even if they’re parked for the entirety of the year. Fortunately, though, you can get parked car insurance at a reduced price to protect the car from damage and theft. Some insurance companies require you to show proof of license to get this type of insurance, while many don’t.

Don’t Be Without Auto Insurance

Here at Laine Insurance in Colorado, we specialize in helping people just like you find auto insurance. Contact us today to learn about your coverage options.