Highlands Risk Management

Are you among one of the 600,000 plus who own a secondary home or condo?
Does the prospect of short term renting as an Airbnb sound like something you want to consider for your property as an extra income?
If so give us a call first to discuss appropriate coverage for your exposure and home.
We can cover this exposure with USLI a Berkshire Hathaway company and protect you and your property!
https://customers.usli.com/sites/pdf/postcard_CondoProduct-PackYourBags-USLI.pdf

Creating a successful small business is no easy task. But losing everything you’ve built can happen faster than you think. The best way to protect your business is to have the right kind of insurance protection in place. This could be the most important business move you make all year.
Here are just a few of the most common small business insurance mistakes:
•Home-based Businesses Relying Solely On Homeowner’s Insurance
Homeowner’s insurance does not cover any property that is used for business.
If someone comes to your home office and hurts themselves during their visit, your homeowner’s policy won’t cover it.
In order to solve this problem, talk to us about the following types of coverage:
• ~Business Personal Property Insurance
• ~On-Premise Liability and Off-Premise Liability
•~Errors and Omissions Coverage (sometimes required)
•Loss-Of-Income Coverage
This is also called “business interruption insurance” and it provides funds for the business in case the business experiences a disaster and is shut down for a period of time. If a fire, flood, earthquake, tornado, etc. destroy your business or severely impact its ability to operate, you’ll be glad to have some money still coming in through this valuable insurance policy.

Your business needs may change with time. By looking closely at your policies each year, you can make sure your business has the coverage it needs.

Are you 100% sure that your business coverage is correct and priced right? Let’s talk about your needs and make sure you’ve got the protection your small business needs.
If you have additional questions about the right kind of insurance for you call us! We’ll be happy to help you understand your options.

Rebbeca Shuster
Highlands Risk Management
303-946-8727
[email protected]

Give us a call or email for a free quote. We would love to be your insurance agency.