Tim Booker Insurance Specialist
Your Thornton Colorado DCInsurers Agent
Licensed since 2002, Tim has made a career commitment to continuing education in the insurance field, and is willing to share his knowledge to help his Small Business clients best limit their risk exposures. The ability to leverage DCI - Mountain's access to hundreds of insurance companies also gives his clients options they could not have otherwise, including multiple General Liability, Workers Compensation, Business Auto, Inland Marine, Builders’ Risk – as well as Home/Auto/Life and Specialty insurance carriers.
Tim often will say how he loves being a cog in the wheel of American business, and he is acknowledged by his customers for his insurance advice and responsiveness.
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Over 14 years I'm Specializing In
Having home insurance in Colorado is a necessity. While you really need home insurance no matter what state you live in, some locations pose a greater risk to real estate than others. Luckily, Colorado doesn’t make any top ten lists for natural disaster hot-spots, but that’s not to say there is no risk to living here. No matter where you live, the risk of fire or seasonal flooding is pretty commonplace. Pipes may burst without warning, or a cooking fire can spring up and get out of hand in no time – these are daily hazards of life for every homeowner. Mitigating these risks by ensuring you have adequate home insurance will protect you, your possessions and your home from every day risks such as these. Home insurance is also a requirement if you are financing your mortgage. Great home insurance protects both your and your bank’s investment in your home. Protect yourself and your Colorado home by choosing the best Colorado home insurance available at DCInsurers.
Our team at DC Insurers Colorado (DCI-INS) understands the importance of providing you with all necessary information about the best life insurance products available to you in Colorado. Obtaining life insurance should be a step that is based on the most up-to-date and relevant data – these decisions should never be made lightly. Our Colorado life insurance policies vary in coverage amount and other factors, depending on your individual needs. Importantly, we do not try to fit you into our pre-determined categories – instead, we work with you to provide highly customized products that best meet your requirements for an individual or group insurance product. Some of the many types of life insurance in Colorado that we provide are term insurance, whole life, universal life and variable life. What stands behind these names is whether the insurance covers a specific term or your entire life, as well as whether and in which ways your insurance premiums are invested. We are confident that our Colorado life insurance products will meet the requirements that you set for this important decision.
Errors & Omissions Liability 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.
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.
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.
Workers 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 employs more than one person 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.
Directors & Officers Liability Insurance
Directors and officers liability insurance in Colorado is insurance payable to the directors and officers of a company. It is reimbursement for losses or advancement of costs in the event of a loss resulting from legal action brought against them for alleged wrongful acts in their duties as directors or officers. This coverage can extend to court defense costs arising out of criminal and/or regulatory investigations and trials. Since civil and criminal action is often brought against directors or officers in tandem, this liability coverage is key. Directors and officers liability insurance is closely related to the broader idea of general management insurance, but management Insurance has a much broader scope. For corporations in Colorado with employees in a position that carries the chance of liability, this sort of insurance protects employees as well as the company at large. Look into more comprehensive coverage for your Colorado business today.
If I can help take the insurance load off my customers, so they can focus on what they do best – running America’s businesses – then I know I have accomplished my purpose.- Tim
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