DC Insurers Mountain: Longmont
Steve Longenecker Insurance Specialist
Your Longmont, Colorado DCInsurers Agent
Using strong teamwork, highest integrity, and Christ's light to
protect and encourage our clients through best-in-class service.
Tired of “sticker shock” with your insurance bills? Frustrated with your current insurance agent? Let us help.
We do the shopping for you finding the best coverage for the least cost. Often, we can save you 10-30% off of your insurance costs! We are an independent, full-service agency specializing in Business insurance, Home and Auto, Disability, Life, Long-Term Care, Health and Medicare gap insurance. We take pride in fast and friendly service.
Having served since 2002 in the insurance industry, Steve is extremely customer-focused. He works hard to find his clients the best insurance coverage at the lowest price as quickly as possible. His prior 15 years of management consulting experience and multiple college degrees sets him apart from many of today’s insurance agents.
His high degree of responsiveness & technical automation background allows him to return all inquiries within 1 business day, including new business requests, change of coverage, and proof of insurance. Contact him today for a free, no obligation quote for your business, personal, life or health insurance needs.
Have a question?
CALL US TODAY TO REQUEST A FREE QUOTE 303-808-9351 OR JUST EMAIL US WITH ANY QUESTIONS!
Since 2002, We Specialize In
Inland Marine Insurance
Error & Omissions Insurance
Steve is an Independent Insurance Broker for DCInsurers Mountain Brokers, a Denver, Colorado based Premium Independent Insurance Agency dedicated to serving it’s client’s needs. For over 14 years DCInsurers Mountain Brokers has been providing individuals, businesses and organizations with the highest quality insurance products and services available. If you’re looking for a quality Longmont Insurance Broker you can trust and build a long lasting relationship with, please contact Steve using the info below and find out what makes DCInsurers Mountain Brokers the best choice when looking for a Longmont Insurance Agency.
General Liability Insurance
One of the chief mistakes entrepreneurs make in regards to general liability insurance in Colorado is merging this concept with their Business Owner’s Policy (BOP). Importantly, a BOP does not normally provide adequate coverage in the event of claims or lawsuits against the business. Our Colorado general liability insurance team at DCI-INS has the experience and the expertise to ensure that you have the coverage that you need. Colorado general liability insurance can appear to be confusing. Businesses falling into some categories with additional risk are obligated to obtain excess liability insurance, while others can manage with only the general type. General liability insurance in Colorado is the tool for protection in the case of fire, vandalism, bodily injury claims and various other circumstances. When you contact our team, we will carefully examine your particular situation and put together a coverage package that meets your specific needs.
Property insurance is a blanket term used to define the insurance coverages available for your business. Business property insurance can help protect the property your business owns and leases, including things like medical equipment, inventory, furniture and fixtures. We also include coverage for things you may not have thought of, like protection for your accounts receivable records and or computers and media. There’s even an option that can help replace lost income when your operations are suspended and can no longer operate due to a covered loss. Floods and some water damage are often not covered by a basic property policy. Other exclusions could include terrorism, war, or nuclear accidents. To ensure you have the right property insurance for your needs, examine your policy carefully and discuss it with one of our agents. Property insurance is a valuable tool and part of your sound financial plan. Let us ensure you have the right type and amount of coverage for your needs.
Worker’s compensation insurance
Worker’s compensation insurance (or “WCB”) is a commercial insurance product that protects both the business and its employees. In Colorado, it is required that every business that hires any W2 employees must purchase and maintain worker’s compensation insurance. In the event of illnesses or injuries that are workplace-related, this insurance covers lost income/wages, medical costs, rehabilitation costs, and death benefits and other potential costs. With this, employers are protected against potential lawsuits stemming from workplace accidents. Each occupation is coded and defined by Colorado state law and rates for these occupations depend on how hazardous the occupation is. Paid entirely by the company, worker’s compensation insurance cannot be deducted from employee wages. As well, premiums are determined by the amount of payroll in each occupation code and are subject to annual audit for verification. Worker’s compensation insurance protects your business and your employees, shielding the business from potential lawsuits and ensuring that employees are protected when they need it most.
One of the types of insurance that we deal with the most at DCI-INS is, of course, Colorado auto insurance. The attention to automobile insurance is understandable – private vehicles are used all the time and different jurisdictions have very different insurance policies and rules. When working with you on finding your best package of auto insurance in Colorado, we listen carefully to your needs and requirements, and only then propose various options for you. Our team understands that buying an auto insurance policy can be confusing, as there are so many details that need to be taken into account. The packages for Colorado auto insurance that DCI-INS can put together for you vary by the types and levels of coverage included. Some of the coverage types that we offer include bodily injury and property damage liability, collision, rental reimbursement, towing and labour, among others. Contact us today to discuss the coverage that you require as part of your auto insurance in Colorado, and we will be happy to build a customized policy for you.
Inland marine insurance
Inland marine insurance covers movable or specialized types property, including those for construction equipment, medical diagnostic equipment, fine arts, solar panels and wind turbines, cameras and movie equipment, musical instruments, and a wide variety of other types of property. Coverage includes a wide range of property and materials, including: - Property in transit - Property in the custody of a Bailee - Property of transportation or communication, such as bridges and radio towers - Mobile medical equipment - Contractors equipment
Professional Liability/Errors & Omissions Insurance
Errors and Omissions insurance is a form of professional liability insurance that covers the holder in cases of malpractice, improper actions or negligence that may result in lawsuits or legal damages. Even when no wrongdoing occurs, professionals may find themselves faced with an unsatisfied client and a lawsuit. For example, even if the advice was correct, if an investor lost money on a stock, a broker may be taken to court. Errors and omissions liability insurance covers the legal costs and any potential settlement costs, regardless of wrongdoing. This coverage is available to a wide range of professionals, including web specialists and real estate agents. If you are in a professional field such as law, medicine, insurance or finance, your professional association or Colorado law may require you to purchase errors and omissions liability insurance. Talk to one of our commercial insurance agents today and see if purchasing errors and omissions liability insurance is right for you.