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Every business is faced with risks that could destroy it from the inside out. Insurance companies work to protect the value of everything you own in a home or business. Damages caused by a fire, theft or natural disaster are covered by insurance. Apply for the amount of coverage you need to rebuild a home or business. Insurance helps you to move forward from a total disaster without making too many personal sacrifices.

Replace Expensive Belongings

A contents insurance policy helps you to replace any item that was lost, stolen or damaged. Receive coverage that is capped at certain limits like $10,000 or $100,000. Some insurers break down the policy into sub limits for specific items like cash or jewelry.

For your business, the expenses are higher when you replace thousand-dollar office equipment and computers. Determine the coverage you need by taking an inventory of office supplies and equipment.

Your coverage is based on an actual cash value or replacement cost. Actual cash value includes the depreciation costs, so receive only the current value of the replaced item.

Replacement cost value does not include depreciation. You replace the item with one made of the same quality. An auto insurer may buy you a brand-new car to replace a lost or damaged one.

Avoid Bankruptcy

Insurance provides the temporary money you need to avoid filing for bankruptcy. Replace the office equipment to avoid dipping into a personal savings account. Pay for temporary living arrangements as you repair the home. Bankruptcy is a last-resort option that you can avoid altogether with insurance.

Protects Savings

Insurance prevents you from losing both your belongings and a savings account that you spent years building up. If you lose the company car in a fire, you can replace another one, but it requires you to dip into the savings account. Some business owners use the personal savings account to pay for business expenses. However, making personal sacrifices to save the business is not necessary when you have insurance.

With insurance, you recover from any accident and return to business as normally as possible. Business owners obtain insurance to protect their buildings, company cars, and equipment. Auto insurance is required in many regions, and the plans are affordable for all drivers. Some lenders require that homeowners obtain insurance as part of the loan. Anyone with anything of value will replace everything they own with the help of an insurance plan.


A lot of people use insurance as a safety net, but it can be utilized so much more. If you would like a free insurance coverage audit on your current assets, please feel free to call our office or reach out to

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Alliance Insurance Group
710 Golden Ridge Rd., Suite 120
Golden, CO 80401

Phone: 888.279.9701