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Yearly Archives: 2012

Developing Goals For Business Succession

Most Colorado business owners don’t have enough time during the day to complete their day-to-day tasks let alone having enough time to sit down and develop a Business Succession plan. However the continuation of a business is something that crosses the mind of business owners, and it is something that must be addressed before it’s […]

What’s the Difference Between Key Man Insurance and Life Insurance?

Mountain Insurance Broker’s insurance agents routinely get asked “what’s the difference between key man insurance and life insurance?” It is an important question and deserves attention.   Basically, they operate generally along the same lines, but there are major differentiations. Both policies get paid for by the policy owner on a monthly basis. Both life […]

Top 5 Reasons to obtain a Key Man Insurance Policy

Every Colorado business has a Key Man or a select group of Key Employees that are vital components who contribute to generating revenue and or maintaining the successful operation of the business. Key Man Life Insurance is a policy that a business has on its key people to protect the business from the potential financial […]


atastrophe modeling firm AIR Worldwide says ‘Superstorm’ Sandy will cause between $7 billion and $15 billion in insured losses—possibly making the unprecedented storm the third-costliest in U.S. history. The estimate includes wind and storm surge damage to residential, commercial and industrial properties and contents, as well as automobiles. Additionally, the estimate includes additional living expenses […]

Many Americans with Pre-Existing Conditions Have No Life Insurance

Substantial numbers of Americans with common, pre-existing conditions hold no life insurance, according to a new report. Genworth Financial Inc., Richmond, Va., published this finding in its 2012 Genworth LifeJacket Study of the uninsured in America, the study conducted in collaboration with independent research firms J&K Solutions and Ruf Strategic Solutions. The supporting data for […]

Independent Agencies On the Rise Again, Survey Shows

Are you an experienced Insurance Customer Service Rep looking to take the next step in your career, or a frustrated captive insurance agent or perhaps looking to make a career change? The Independent Insurance Agency market is alive and thriving! It would appear reports of the demise of the independent agent were greatly exaggerated, as […]

Personal Auto Insurance primed for Steeper Rate Increases; Waiting on State Farm to Lead?

Personal auto insurance rates appear set to increase at an accelerated pace, according to one analyst firm, and insurers may just be waiting on the market leader to lead the charge. In an industry update, Stifel Nicolaus notes that a 2012 Q2 analysis shows that direct written premiums for auto insurers rose just 2.5 percent, […]

Property & Casualty Insurance Rates Will continue to Rise Through 2013

itch Rating Service says property and casualty insurance rates will continue to rise through 2013, producing modest increases in industry net income, but a return to a sustained hard market is considered unlikely. In a report released Friday, Fitch says that after suffering a period of severe losses in 2011 the “long-awaited shift to positive […]

TravelersLooks to Policy Exclusion in Trayvon Martin Related Case

Travelers Casualty and Surety Company of America has filed federal court documents in Florida arguing that it does not have an obligation to defend the homeowners’ association where Trayvon Martin was shot and killed. Sybrina Fulton, Martin’s mother, has filed a claim for more than $75,000 in damages against The Retreat at Twin Lakes—where 17-year-old […]

Insurance Costs Continue Upward Climb

Commercial and personal insurance lines pricing continued their upward drive through the month of June as composite rates matched the previous month’s increases, according to the latest MarketScout barometer. The June commercial rate barometer says average commercial property and casualty rate increases rose by 4 percent, matching May’s increase, while personal lines composite rose 2 […]

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