# Lightship Insurance

> Compare multiple insurance quotes from your local independent insurance agent today. Lightship Insurance provides business, auto, and home insurance for all of Colorado.

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- [About Us](https://www.lightshipinsurance.com/about-us/): Compare multiple insurance quotes from Lightship Insurance today. We're your local independent insurance agency, serving all of Colorado.

## Posts

- [What Is and Is Not Covered by Home Insurance](https://www.lightshipinsurance.com/what-is-and-is-not-covered-by-home-insurance/): Here’s What Is and Isn’t Covered by Your Homeowners Insurance When it comes to homeowners insurance, you likely have many questions, with...
- [Who Needs Workers Comp Insurance](https://www.lightshipinsurance.com/who-needs-workers-comp-insurance/): The Basics of Workers’ Comp Insurance for Small Businesses Nearly every state requires employers to have insurance to cover medical costs and lost wag...
- [How A Claim Impacts Your Insurance Premium](https://www.lightshipinsurance.com/how-a-claim-impacts-your-insurance-premium/): How a Claim Can Impact Your Annual Premium Something happens to your home, maybe a tree falls onto the garage in a storm or a window breaks. If you ca...
- [Personal Umbrella Insurance – Why You Need It](https://www.lightshipinsurance.com/personal-umbrella-insurance-why-you-need-it/): Umbrella Insurance? Umbrella insurance provides protection over your auto and homeowners or renters insurance. If you have a significant insurance cla...
- [First-Time Home Buyer? We Have Your Insurance Answers](https://www.lightshipinsurance.com/first-time-home-buyer-we-have-your-insurance-answers/): First-Time Home Buyer? We Have Your Insurance Answers There are a lot of things to consider when buying your first home, and unfortunately, the ins an...
- [Reasons For Life Insurance](https://www.lightshipinsurance.com/reasons-for-life-insurance/): Key Ways You May Need to Use Life Insurance Life insurance is typically used to provide replacement income for those who depend on you. That includes...
- [Uninsurable Risk?](https://www.lightshipinsurance.com/uninsurable-risk/): Why You Need to Think about Uninsurable Risk Uninsurable risk refers to potential losses insurance companies simply will not insure, regardless of how...
- [3 Success Stories and What You Can Learn from Them](https://www.lightshipinsurance.com/3-success-stories-and-what-you-can-learn-from-them/): Taking a Tax Deduction from an Unreimbursed Loss When disaster strikes, small business owners often experience property damage that leads to an unreim...
- [Moving? Here’s What to Do about Your Car Insurance](https://www.lightshipinsurance.com/moving-heres-what-to-do-about-your-car-insurance/): Moving? Here’s What to Do about Your Car Insurance Moving around the corner or to a street closer to a better school district is stressful enoug...
- [How to See Friends and Not Alienate Yourself from People](https://www.lightshipinsurance.com/how-to-see-friends-and-not-alienate-yourself-from-people/): How to See Friends and Not Alienate Yourself from People So, we’re officially in a whole new world, and it’s time to start getting back ou...
- [Failing Forward](https://www.lightshipinsurance.com/failing-forward/): Product Liability Suits and How You Can Prevent Them Think you don’t need to worry about product liability? If your business manufactures, sells...
- [The Case for Having Humor at Work](https://www.lightshipinsurance.com/the-case-for-having-humor-at-work/): Why Protecting Your Reputation Is Important Reputational harm is one of the greatest business threats today. How can business owners best protect thei...
- [Covering Your Halloween BOOs](https://www.lightshipinsurance.com/covering-your-halloween-boos/): Make Sure Your Halloween B.O.O.s Are Covered It’s the spookiest night of the year, and if you’re not careful, the tricks could lead to mor...
- [How Much Home Insurance Do I Need?](https://www.lightshipinsurance.com/how-much-home-insurance-do-i-need/): What Determines How Much Home Insurance I Need? It’s not always easy to know how much homeowners insurance you need. Say you have a $100,000 hom...
- [Is Your Property Ready for Fall?](https://www.lightshipinsurance.com/is-your-property-ready-for-fall/): Is Your Property Ready for the Fall? Any change of season is a good time to review your property to ensure it’s in tip-top shape, and fall is no...
- [I Didn’t File a Claim but My Home Insurance Went Up. Why?](https://www.lightshipinsurance.com/i-didnt-file-a-claim-but-my-home-insurance-went-up-why/): I Didn’t File a Claim but My Home Insurance Went Up. Why? A number of factors contribute to determining your insurance premium. It is possible f...
- [The Four-Day Working Week Is the Future – Here’s Why](https://www.lightshipinsurance.com/the-four-day-working-week-is-the-future-heres-why/): Does Your Business Change in the Summer? Each industry has its own unique business cycles: some are steady throughout the months, while others peak an...
- [5 Tips to Keep Your Car Safe and Protected](https://www.lightshipinsurance.com/5-tips-to-keep-your-car-safe-and-protected/): 5 Tips to Keep Your Car Safe and Protected With summer here and remote “weekend getaways” on the rise, it’s important to remember th...
- [5 Ways to Work with Your Brain for a Better Night’s Sleep](https://www.lightshipinsurance.com/5-ways-to-work-with-your-brain-for-a-better-nights-sleep/): Because we all need to be uplifted enjoy a good laugh… Railroad to nowhere.Amidst the hubbub of the day-to-day, we often forget to take a moment...
- [Time to Review Your Life Insurance?](https://www.lightshipinsurance.com/time-to-review-your-life-insurance/): Time to review your life insurance? Life insurance is something you buy and then don’t think about until you need it, so it’s easy to forg...
- [Tips to Get Moving When You Don’t Feel like It](https://www.lightshipinsurance.com/uplifting-news-you-can-use/): Links You Can Use Now Level up your 2021 game plan with these resources to help you make the most of all you do: Our homes and spaces adapt with the t...
- [New Year, New You! Let’s Get Organized](https://www.lightshipinsurance.com/new-year-new-you-lets-get-organized/): Links You Can Use Now A holistic approach to wellness has become crucial to span the wide array of physical and mental health challenges stressful tim...
- [Business Longevity Secrets](https://www.lightshipinsurance.com/business-longevity-secrets/): Choosing Just the Right Coverage for Your Business Insurance coverage is rarely an exact science for many people. They have an idea about how much is...
- [4 Ways to Reduce Your Auto Insurance Premiums](https://www.lightshipinsurance.com/3417-2/): 4 Ways to Reduce Your Auto Insurance Premiums Auto insurance premiums always seem to be on the rise. For some, that’s unavoidable. However, for many,...
- [Top 5 Insurance Concerns for Business Owners](https://www.lightshipinsurance.com/top-5-insurance-concerns-for-business-owners/): Top 5 Insurance Concerns for Business Owners Business owners pour their hearts, souls, and resources into making their enterprises run well and genera...
- [Changing Your Life Insurance Beneficiary](https://www.lightshipinsurance.com/changing-your-life-insurance-beneficiary/): Changing Your Life Insurance Beneficiary If you have dependents, such as children or a nonworking spouse, you probably have a life insurance policy. W...
- [Have You Reviewed Your Insurance Coverage for 2020?](https://www.lightshipinsurance.com/have-you-reviewed-your-insurance-coverage-for-2020/): Have You Reviewed Your Insurance Coverage for 2020? As the new year approaches, we often look back at the year gone by, reflect on the coming year, an...
- [Grinch Protection](https://www.lightshipinsurance.com/grinch-protection/): Happy New Year! It’s Time to Review Your Insurance Coverage As the new year approaches, many people review their lives and make new goals for th...
- [Top 10 Insurance Claims for Businesses](https://www.lightshipinsurance.com/top-10-insurance-claims-for-businesses/): Top 10 Insurance Claims for Small Businesses Small-business owners hope they never have to file a claim, but research by financial services giant The...
- [Terrible, No Good Holiday Disasters to Avoid](https://www.lightshipinsurance.com/terrible-no-good-holiday-disasters-to-avoid/): Terrible, No Good Holiday Disasters to Avoid It’s a time for celebration and remembrance; a time to be surrounded by loved ones, eat well, and r...
- [How to Spot Phishing Attacks](https://www.lightshipinsurance.com/how-to-spot-phishing-attacks/): Gone Phishing: Don’t Take the Bait The 2019 Verizon Data Breach Investigation Report indicates that one third of cyberattacks involve phishing t...
- [Keeping Halloween Fun and Safe](https://www.lightshipinsurance.com/keeping-halloween-fun-and-safe/): Don’t Let Halloween Décor Haunt You Will your porch feel incomplete without a jack-o-lantern on your doorstep this Halloween? If you plan to car...
- [How Telematics is Transforming Insurance](https://www.lightshipinsurance.com/how-telematics-is-transforming-insurance/): How Telematics is Transforming Insurance Technology is transforming every aspect of our lives, and insurance is no exception. Insurance carriers are t...
- [Safety Tips for Teen Drivers](https://www.lightshipinsurance.com/safety-tips-for-teen-drivers/): Reduce Their Risk: Safety Tips for Teen Drivers It’s time for a teen to get their driver’s license. Who is more nervous – the teenag...
- [Why is an Insurance Lapse so Bad for Business?](https://www.lightshipinsurance.com/why-is-an-insurance-lapse-so-bad-for-business/): Why Is an Insurance Lapse So Bad for Business? Small-business owners have a lot on their plates. Managing multiple moving parts, wearing many hats, an...
- [5 Natural Disaster Facts](https://www.lightshipinsurance.com/5-natural-disaster-facts/): 6 Questions to Ask Before Buying Car Insurance You need coverage for your car. But what kind of insurance should you get, and how much coverage do you...
- [Is Your Business Underinsured?](https://www.lightshipinsurance.com/is-your-business-underinsured/): Are You Underinsured? Most Small Businesses Are A recent Manta and Insureon survey revealed that fewer than 30% of small business owners have basic bu...
- [Is Your Vehicle Burglar Repellant?](https://www.lightshipinsurance.com/is-your-vehicle-burglar-repellant/): Is Your Vehicle Burglar Repellant? Every 45 seconds, a motor vehicle is stolen in the United States, according to reporting from the Insurance Informa...
- [How To Prevent Water Damage](https://www.lightshipinsurance.com/how-to-prevent-water-damage/): How Can You Prevent Costly Water Damage? Water issues can lead to extensive structural damage. A minor leak can result in major claims for building re...
- [What Is Gap Insurance?](https://www.lightshipinsurance.com/what-is-gap-insurance/): Landscaping Losses: Are They Covered by Insurance? Your neighbor’s teenager drove over your beautiful flower beds. That old oak finally fell, an...
- [Animal Invasion: Are You Covered?](https://www.lightshipinsurance.com/animal-invasion-are-you-covered/): Animal Invasion: Are you covered? Your dog ate your couch. Birds destroyed your gutter. A family of racoons overran your garage. Will your homeowners...
- [Why Are Auto Insurance Rates Going Up?](https://www.lightshipinsurance.com/why-are-auto-insurance-rates-going-up/): Why Did My Auto Insurance Premium Increase? Did your auto insurance rate go up? If you noticed an increase in your premium, this is often due to one o...
- [Need Business Insurance? Ask These Questions](https://www.lightshipinsurance.com/need-business-insurance-ask-these-questions/): Need Business Insurance? Ask These Questions First You own a small business. You know you need insurance. But what specific coverage do you need?  Bef...
- [General Liability vs. Professional Liability: The Difference?](https://www.lightshipinsurance.com/general-liability-vs-professional-liability-the-difference/): General Liability vs. Professional Liability: The Difference? Business professionals bear the burden of responsibility in two distinct arenas: general...
- [Smart Phones for Smart Plans](https://www.lightshipinsurance.com/smart-phones-for-smart-plans/): Your Smart Phone Can Make Your Insurance Plans Smarter It seems like there’s an app for everything these days. Insurance is no exception. With a...
- [Effective Teaming](https://www.lightshipinsurance.com/effective-teaming/): Teamwork on the Fly: Learning to Collaborate with Just about Anyone In today’s 24/7 world, companies depend on remote workers, diverse markets,...
- [Dealing With Road Rage](https://www.lightshipinsurance.com/dealing-with-road-rage/): Don’t Let Road Rage Ramp Up Your Claims You’re running late. Construction traffic is making things worse. Then, an SUV cuts you off, nearl...
- [Keeping Your Wifi Network Secure](https://www.lightshipinsurance.com/keeping-your-wifi-network-secure/): How to Reduce Your Commercial Property Insurance Costs Owning and operating a commercial property involves myriad expenses. If you’re like most...
- [Home Insurance Claim: What To Expect](https://www.lightshipinsurance.com/home-insurance-claim-what-to-expect/): Pests on the Prowl: Protect Your Car from Wildlife When you consider potential sources of damage to your car, what comes to mind? Most people think of...
- [Working From Home Tips](https://www.lightshipinsurance.com/working-from-home-tips/): INSURANCE Identity Theft: It Happens to Businesses, Too In 2017, there were 10,000 cases of business identity theft in the United States. Credit agenc...
- [What Is Cyber Insurance?](https://www.lightshipinsurance.com/what-is-cyber-insurance/): Insurance Solutions for Green Businesses Some modern entrepreneurs are in search of ways to reduce their carbon footprint. Business owners who are loo...
- [What Ingredients Go into My Auto Insurance?](https://www.lightshipinsurance.com/what-ingredients-go-into-my-auto-insurance/): What Ingredients Go into My Auto Insurance Cost? It’s not a secret family recipe, but your auto insurance cost does include three unique ingredi...
- [Watch Out For Disaster Scammers](https://www.lightshipinsurance.com/watch-out-for-disaster-scammers/): BOP or CPP? Which Insurance Bundle Is Right for You? Appropriate insurance coverage is essential for a business of any size. With multiple options ava...
- [Does Your Insurance Cover Identity Theft?](https://www.lightshipinsurance.com/does-your-insurance-cover-identity-theft/): Does Your Insurance Cover Identity Theft? They’re not you, but they’re using your credit card. They’ve also dipped into your bank ac...
- [Make Your Meetings Better](https://www.lightshipinsurance.com/make-your-meetings-better/): Make Your Meetings More Meaningful Pointless, endless meetings are the bane of the workweek. But meetings don’t have to be a boring waste of tim...
- [6 Things Covered By Homeowners Insurance You May Not Have Thought Of](https://www.lightshipinsurance.com/6-things-covered-by-homeowners-insurance-you-may-not-have-thought-of/): When it’s Time for Teenagers to Take the Wheel He/she has matured past the tricycle phase, grown beyond the bicycle stage, and is ready to try t...
- [Personal Networking](https://www.lightshipinsurance.com/personal-networking/): INSURANCE Choosing Business Coverage: The Goldilocks Method One bed was too small. One was too big. Goldilocks didn’t rest until she found just...
- [Car Sharing and Auto Insurance](https://www.lightshipinsurance.com/car-sharing-and-auto-insurance/): Car Sharing and Auto Insurance: What You Need to Know More and more car owners are looking to their vehicles as sources of potential income. The famil...
- [Your Reputation Is Vital](https://www.lightshipinsurance.com/your-reputation-is-vital/): Your Reputation Is Vital!  How can business owners best protect their companies? You may have heard the most common small business claim is theft. Thi...
- [Using Landscaping to Lower Insurance Premiums](https://www.lightshipinsurance.com/using-landscaping-to-lower-insurance-premiums/): Landscape Your Way to Lower Premiums on Your Property Properly maintained landscaping can add beauty and value to a property. Poorly developed or negl...
- [Spring Cleaning Your Property](https://www.lightshipinsurance.com/spring-cleaning-your-property/): Spring-Cleaning Your Property Spring-cleaning is for everyone. It’s  a good time to review your property to check for seasonal damage, do necess...
- [Drive Safe!](https://www.lightshipinsurance.com/drive-safe/): Drive Safe: These Safety Measures Can Reduce Accidents The nation’s roadways see more than six million motor vehicle crashes annually, and the m...
- [Having Kids = Needing Life Insurance](https://www.lightshipinsurance.com/having-kids-needing-life-insurance/): If You Have Children, You Probably Need Life Insurance According to a recent article in The Motley Fool, an alarming 75% of millennial parents current...
- [What is Employment Practices Liability Insurance?](https://www.lightshipinsurance.com/what-is-employment-practices-liability-insurance/): Is Employment Practices Liability Insurance a Must? Employment practices liability insurance (EPLI) is a form of errors and omission insurance and pro...
- [Avoiding Collisions between Vehicles and Animals](https://www.lightshipinsurance.com/avoiding-collisions-between-vehicles-and-animals/): Avoiding Collisions between Vehicles and Animals There are over half a million large animal/car collisions each year. A significant number of these ac...
- [Will a Claim Raise My Car Insurance Premiums?](https://www.lightshipinsurance.com/will-a-claim-raise-my-car-insurance-premiums/): Will a Claim Raise My Car Insurance Premiums? You’ve been in an accident. What are your initial thoughts? If you’re like many vehicle owne...
- [How to Lower Your Property Insurance Costs](https://www.lightshipinsurance.com/how-to-lower-your-property-insurance-costs/): How Much Business Auto Insurance Does My Company Need? You probably realize you need insurance on your business vehicles. What you may not know, howev...
- [Is Experience Marketing the Face of the Future?](https://www.lightshipinsurance.com/is-experience-marketing-the-face-of-the-future/): Rolling the Dice: Business Insurance Gambles to Avoid You can afford to take risks on some things. But business insurance isn’t one of them. Too...
- [2018 Insurance Suggestions](https://www.lightshipinsurance.com/2018-insurance-suggestions/): 2018 Insurance Suggestions These can help you save money and better prepare you for whatever 2018 has in store. Review your policies. Did you make any...
- [Stress at Work?](https://www.lightshipinsurance.com/stress-at-work/): This 3-Step Process Could Save You Money in 2018 Have you listed your upcoming New Year’s resolutions? Here’s one suggestion that business...
- [How to Enjoy a Claim-Free Holiday Season](https://www.lightshipinsurance.com/how-to-enjoy-a-claim-free-holiday-season/): How to Enjoy a Claim-Free Holiday Season No one puts “insurance claim” on their holiday wish list. Most would rate this item right below a...
- [Keep the “Steal Me” Sticker Off Your Car](https://www.lightshipinsurance.com/keep-the-steal-me-sticker-off-your-car/): How to Keep the ‘Steal Me’ Sticker Off Your Car No one wants to attract the attention of thieves. Yet the actions of many vehicle owners p...
- [How Much Life Insurance Do You Need?](https://www.lightshipinsurance.com/how-much-life-insurance-do-you-need/): How to Calculate Your Life Insurance Needs It’s hard to generalize when it comes to life insurance. What one family needs may differ drastically...
- [Prepare Your Property for the Colder Months](https://www.lightshipinsurance.com/prepare-your-property-for-the-colder-months/): Prepare your property for colder months… Summer is ending, and the season change is a good time to review key items on or around your commercial...
- [New Season New Insurance Needs?](https://www.lightshipinsurance.com/new-season-new-insurance-needs/): Just Married? ‘Insure’ Your Future and Live Happily Ever After If you tied the knot this summer, congratulations! Marriage changes things...
- [Perseverance the Key to Success?](https://www.lightshipinsurance.com/perseverance-the-key-to-success/): Communication Styles Can Hamper Business Success While a difference in communication styles can lead to simple misunderstandings, it can also threaten...
- [Summer’s Ending But ‘Toys’ Still Need Protection](https://www.lightshipinsurance.com/summers-ending-but-toys-still-need-protection/): Summer’s Ending but Summer ‘Toys’ Still Need Protection Summer is a time for toys! Warmer weather means afternoons on the water and...
- [Life Insurance Costs Less Than You May Think](https://www.lightshipinsurance.com/life-insurance-costs-less-than-you-may-think/): Life Insurance Costs Less Than You May Think Many people avoid purchasing life insurance, especially later in life, because they think it will be too...
- [Keep Your Summer BBQs Safe](https://www.lightshipinsurance.com/keep-your-summer-bbqs-safe/): It’s Party Time! Keep Your Summer BBQs Safe It’s time to fire up the grill and treat friends and family to your special secret sauce. But...
- [Make Your Insurance Claim as Easy as PIE](https://www.lightshipinsurance.com/make-your-insurance-claim-as-easy-as-pie/): How to Make Your Insurance Claim as Easy as PIE There’s been an incident. You need to start the claims process. To many in this scenario, this r...
- [Car Insurance When Crossing Borders](https://www.lightshipinsurance.com/car-insurance-when-crossing-borders/): What Happens to Car Insurance When Crossing Borders? Are you planning a road trip? Does your adventure include crossing international borders? If so,...
- [Is It A Suit Or A Claim?](https://www.lightshipinsurance.com/is-it-a-suit-or-a-claim/): Is Separate Coverage Required for Suits vs. Claims? You’ve heard of employees filing a suit against their company. You’ve also heard of pe...
- [What To Do If You Have A Water Claim](https://www.lightshipinsurance.com/what-to-do-if-you-have-a-water-claim/): Moving? Don’t Forget to Pack Your Moving Insurance Your belongings are boxed. Your closing is scheduled. You’ve filed dozens of change-of-...
- [What To Do If You Are Being Sued](https://www.lightshipinsurance.com/what-to-do-if-you-are-being-sued/): Speech to Computer Interface: Are “Robo-Butlers” Our Future? Computer-dictating systems have been around for years, but until recently the...
- [Spring Cleaning Your Insurance](https://www.lightshipinsurance.com/spring-cleaning-your-insurance/): Spring Cleaning: Remember to Dust Off Your Insurance With the arrival of spring, many homeowners equip themselves with cleaning supplies and tackle th...
- [Watch Out For Storms](https://www.lightshipinsurance.com/watch-out-for-storms/): Storm Watch: Don’t Get Blown Away This Spring During this “in like a lion, out like a lamb” month, the weather is nothing if not unp...
- [Raise My Insurance Deductible?](https://www.lightshipinsurance.com/3122-2/): Why Would I Want to Raise My Insurance Deductible? We’re all looking for ways to save a buck or two. When it comes to homeowners insurance, a gr...
- [Simple Life Insurance Buying Tips](https://www.lightshipinsurance.com/simple-life-insurance-buying-tips/): Insider Tips Make Buying Insurance as Easy as 1-2-3 Without a knowledge of industry terms, buying life insurance can seem complex and confusing. A lit...
- [Identity Theft Issues](https://www.lightshipinsurance.com/identity-theft-issues/): Only Superheroes Need Alter Egos: Keep Your Identity Safe If Superman used Clark Kent’s credit card to buy a new cape, Clark wouldn’t mind...
- [What’s Your Property Worth?](https://www.lightshipinsurance.com/whats-your-property-worth/): What’s Your Property Worth? How do you establish this value for insurance purposes? Gut feelings aren’t the answer. Following are three te...
- [A Fun Look At Your New Year’s Resolutions](https://www.lightshipinsurance.com/a-fun-look-at-your-new-years-resolutions/): A Fun Look At  Your 2017 New Year’s Resolutions What New Year’s resolutions did you make for 2017? Be honest – were they the same on...
- [Saving Money On Your 2017 Insurance](https://www.lightshipinsurance.com/saving-money-on-your-2017-insurance/): Turn Happy Customers into Online Ambassadors in 2017 It’s no longer enough to make customers happy, or even get them to praise your good service...
- [Santa Pay Higher Premiums If His Sleigh Is Red?](https://www.lightshipinsurance.com/santa-pay-higher-premiums-if-his-sleigh-is-red/):   Does Santa Pay Higher Premiums If His Sleigh Is Red? Whether or not you believe in Santa is up to you. But regardless of your opinion on the jo...
- [Danger DWD: Danger While Drowsy](https://www.lightshipinsurance.com/danger-dwd-danger-while-drowsy/): Watch Out for DWD – Driving While Drowsy Do you belong to the 37% of drivers who have fallen asleep behind the wheel? It’s a dangerous, an...
- [Getting Back In Business After a Claim](https://www.lightshipinsurance.com/getting-back-in-business-after-a-claim/): How to Get Back in Business after a Disaster Rebuilding after a fire, earthquake, or other major event? Your insurance policy’s got it covered....
- [Homeowners: Here’s Help For Halloween Horrors](https://www.lightshipinsurance.com/homeowners-heres-help/): Homeowners: Here’s Help For Halloween Horrors It’s a night of candy, costumes and…caution? Halloween is full of fun times, but on Al...
- [Pollution Insurance?](https://www.lightshipinsurance.com/pollution-insurance/): Why Your Company May Need Pollution Insurance Today’s marketplace likes green practices, and most companies are striving for a smaller environme...
- [Home Insurance Costs?](https://www.lightshipinsurance.com/home-insurance-costs/): Espresso Book Machines: Just What the Bookworm Ordered While these days, newspapers are mostly online, some enterprising book stores are still managin...
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- [Protecting Your Identity](https://www.lightshipinsurance.com/3060-2/):   Kitchen Talk: A Fun, Easy Way to Connect with Your Kids For many parents, it can be difficult finding time to spend with their children. But th...
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- [Learn the ABCs of Asbestos](https://www.lightshipinsurance.com/learn-the-abcs-of-asbestos/): Learn the ABCs of Asbestos Contrary to popular opinion, asbestos is still around: asbestos liability remains one of the biggest threats to U.S. busine...
- [Driverless Cars & Insurance?](https://www.lightshipinsurance.com/driverless-cars-insurance/): Driverless Cars and Insurance Issues… For those eager to try an autonomous vehicle, the future is now. Earlier this year, the Canadian province...
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- [Happy Holidays!](https://www.lightshipinsurance.com/happy-holidays/): Happy New Year! It’s Time to Review Your Insurance Coverage Exercise more. Eat better. Learn something new. It must be New Year’s resoluti...
- [Straight Talk is the Best Talk](https://www.lightshipinsurance.com/straight-talk-is-the-best-talk/): Insurance Is a Must When Storing Flammable Material If your business involves the storage of flammable/explosive material-even if you’re only st...
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- [What is an Insurance “Floater”?](https://www.lightshipinsurance.com/2976-2/): Do You Need a Policy to Insure Your Special ‘Floater’? Are you a musician? Do you collect art? Is your jewelry of the diamond and pearl va...
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- [Independent Contractors Risk All Without the Right Coverage](https://www.lightshipinsurance.com/independent-contractors-risk-all-without-the-right-coverage/): More companies are outsourcing jobs to freelancers or independent contractors (ICs). According to the Bureau of Labor statistics, the number of freela...
- [Car Repair Insurance or Extended Warranty?](https://www.lightshipinsurance.com/car-repair-insurance-or-extended-warranty/):   Coverage Protects You Against Uninsured Drivers Have you ever looked at your insurance policy and wondered what these two lines mean? Uninsured...
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- [All About Insuring Pop-up Campers and Motorhomes](https://www.lightshipinsurance.com/june-personal-news-you-can-use-all-about-insuring-pop-up-campers-and-motorhomes/): All About Insuring Pop-up Campers and Motorhomes Summer is finally here. What sunshine-filled adventures do you have planned? Maybe they involve tents...
- [How to Survive a Business Interruption, and Reputation Insurance Info](https://www.lightshipinsurance.com/business-insurance-news-you-can-use-how-to-survive-a-business-interruption/): Soon Reputation Insurance May Be Available to SMBs In 2012, Goldman Sachs employee Greg Smith quit his job. Instead of bemoaning his fate in private,...
- [How to Spring Clean Your Insurance Policies](https://www.lightshipinsurance.com/may-personal-news-you-can-use-how-to-spring-clean-your-insurance-policies/): How to Spring Clean Your Insurance Policies Warmer weather is finally here, and you’ve probably already started – if not completed –...
- [Workers’ Comp Protects Companies and Employees](https://www.lightshipinsurance.com/april-business-insurance-news-you-can-use-workers-comp-protects-companies-and-employees/): Workers Comp Protects Companies and Employees Whether you own a large or small business, workers compensation insurance is a must. All states require...
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- [How to Monitor Your Teen’s Driving Habits, and Personal Property Coverage Info](https://www.lightshipinsurance.com/marchpersonalnews/): PERSONAL PROPERTY COVERAGE…  Some people think it’s mandatory to have a record of all your possessions to get homeowners or renters insura...
- [Rethinking the What, Where and When of Work, and Commercial Auto Insurance](https://www.lightshipinsurance.com/february-business-news-you-can-use-rethinking-the-what-where-and-when-of-work/): When do You Need Commercial Auto Insurance? Commercial auto insurance or personal auto insurance? That is the question. How do you know which you need...
- [What to do When Your Health Insurance Coverage is Ending](https://www.lightshipinsurance.com/february-life-and-health-insurance-news-you-can-use-what-to-do-when-your-health-coverage-is-ending/): Life Insurance Can be a Creative Problem Solver Life insurance has traditionally been used to pay for the care of a loved one in the event of your unt...
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- [Buzzword Bingo is no Way to Gain Co-Workers’ Respect, plus Commercial Flood Insurance Info](https://www.lightshipinsurance.com/january-business-insurance-news-you-can-use-buzzword-bingo-is-no-way-to-gain-co-workers-respect/): Be Safe: Sync Your Mobile Coverage to Today’s Technology In the mobile universe, technology is changing faster than the speed of light. It seems...
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- [Latest Tech Tools Help Boost Your Business Productivity, and Contractual Insurance Info](https://www.lightshipinsurance.com/business-insurance-news-you-can-use-latest-tech-tools-help-boost-your-business-productivity/): Key Person Insurance Helps Protect Your Business In small businesses, the death or disability of a key employee is difficult to overcome. His or her s...
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- [Your Dog May be Smarter Than You Are, and Insuring Cars at Replacement Cost Value](https://www.lightshipinsurance.com/august-personal-insurance-news-you-can-use-your-dog-may-be-smarter-than-you-are/): Keep Your New Teen Driver Safe With These Apps While your teenager is dreaming of the open road; you’re just plain scared. But when D(rive) day...
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- [Personal Insurance News You Can Use:  Put Your Home Insurance Dollars Where They’ll Count](https://www.lightshipinsurance.com/personal-insurance-news-you-can-use-put-your-home-insurance-dollars-where-theyll-count/): Update Your Homeowners Insurance Before Summer As summer draws near and temperatures warm, it’s almost overwhelmingly tempting to jump into summ...
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- [Annuities News You Can Use:  ‘Quest for Certainty’ is Growing Annuity Sales](https://www.lightshipinsurance.com/annuities-news-you-can-use-quest-for-certainty-is-growing-annuity-sales/): ‘Quest for Certainty’ is Growing Annuity Sales The appeal of fixed income annuities is growing, according to the not-for-profit organizati...
- [February Auto Insurance News You Can Use:  RVing In Colorado This Spring?](https://www.lightshipinsurance.com/february-auto-insurance-news-you-can-use-rving-in-colorado-this-spring/): Shopping Online for Car Insurance? Read this First Every day we’re bombarded with advertising for auto insurance. According to a recent U.S. sur...
- [Business Insurance News You Can Use:  Controlling Anger in the Workplace](https://www.lightshipinsurance.com/businessinsurance-news-you-can-use-controlling-anger-in-the-workplace/): Don’t Gamble by Underinsuring Your Business Property This may not be on your radar, but underinsuring your property could result in serious problems f...
- [Life and Health Insurance News You Can Use:  The Ideal Valentine Date](https://www.lightshipinsurance.com/life-and-health-insurance-news-you-can-use-the-ideal-valentine-date/): Is it Time to Revisit Your Decision on Life Insurance? Chances are, if you have a comprehensive financial plan, you have considered life insurance. Ho...
- [Annuities News You Can Use:  Should You Postpone Your Annuity Payments?](https://www.lightshipinsurance.com/annuities-news-you-can-use-should-you-postpone-your-annuity-payments/): The Pros and Cons of Structured Settlement Annuities Some insurance companies are promoting what is called a “structured-settlement annuity,...
- [January News You Can Use:  Resolution Woes in Colorado?  Get Inspired Here](https://www.lightshipinsurance.com/january-news-you-can-use-resolution-woes-in-colorado-get-inspired-here/): Change in Procedure Is Good News for Beneficiaries Nationwide Financial Services Inc. and several other major insurance companies, including MetLife,...
- [December News You Can Use:  Tis the Season in Colorado…to Decorate](https://www.lightshipinsurance.com/december-news-you-can-use-tis-the-season-in-coloradoto-decorate/):  Six Factors to Consider When Buying Life Insurance Life insurance can be an important component of a financial plan, but what kind you choose and how...
- [November News You Can Use (Cut-Rate Insurance Can Actually Cost You More)](https://www.lightshipinsurance.com/november-news-you-can-use/): Cut-Rate Insurance Can Actually Cost You More If you’re like the rest of us, you frequently receive solicitations and ads from cut-rate insuranc...
- [October News You Can Use](https://www.lightshipinsurance.com/october-news-you-can-use-2/): Simple Maintenance Can Prevent Water Damage Claims According to one large insurance carrier, water damage is a much more likely cause of homeowner cla...
- [October News You Can Use for business](https://www.lightshipinsurance.com/october-news-you-can-use-for-business/): Be Aware of Auto Policy Exclusions Business auto policies have exclusions that limit coverage. Be aware of the exclusions and compensate for them. The...
- [10 Steps to Control Your Workers’ Compensation Insurance Costs](https://www.lightshipinsurance.com/10-steps-to-control-your-workers-compensation-insurance-costs/): Here are 10 steps you can take that can have a direct impact on lowering your workers’ comp insurance costs: Match the applicant carefully to the job....
- [Disconnect the water hose and avoid a home insurance claim!](https://www.lightshipinsurance.com/disconnect-the-water-hose-and-avoid-a-home-insurance-claim/): Disconnect the water hose and avoid a homeowners insurance claim! Cold weather is here and colder weather is coming.  The simple process of disconnect...
- [Should I file a small home insurance claim?](https://www.lightshipinsurance.com/should-i-file-a-small-home-insurance-claim/): Should I file a small homeowners insurance claim? Probably not and here is why.  Imagine the following scenario: You have a $1,200 bike stolen from yo...
- [Glad I don’t have the auto insurance on this valet!](https://www.lightshipinsurance.com/glad-i-dont-have-the-auto-insurance-on-this-valet/): If I let someone borrow my car does my auto insurance cover this? Yes, if you give the person permission then your car insurance will cover them on a...
- [Disaster Preparedness for Small Businesses: Why a Continuity Plan Matters](https://www.lightshipinsurance.com/article/disaster-preparedness-for-small-businesses-why-continuity-plan-matters): National Preparedness Month Is a Reminder for Business Owners, Too Every September, FEMA’s National Preparedness Month encourages individuals an...
- [Back-to-School Driving: Insurance Tips for Teen and Student Drivers](https://www.lightshipinsurance.com/article/back-to-school-driving-insurance-tips-for-teen-student-drivers): September means school buses, morning carpool lines, and for many families, a new teen driver on the road. Whether your teenager is driving themselves...
- [Recognizing Latino History Month: The Value of Insurance Education in Every Community](https://www.lightshipinsurance.com/article/recognizing-latino-history-month-value-of-insurance-education-in-every-community): Honoring Latino History Month Beginning in mid-September, Latino History Month, also observed as National Hispanic Heritage Month, recognizes the hist...
- [Business Interruption Insurance: What Happens When Your Business Has to Close Temporarily?](https://www.lightshipinsurance.com/article/business-interruption-insurance-what-happens-when-your-business-has-to-close-temporarily): Most business owners think about insurance in terms of protecting physical assets—the building, the equipment, the inventory. But what about the incom...
- [Boat, RV, and ATV Insurance: What Recreational Vehicle Owners Need to Know](https://www.lightshipinsurance.com/article/boat-rv-and-atv-insurance-what-recreational-vehicle-owners-need-to-know): Summer is peak season for recreational vehicles. Whether you’re out on the water with a boat, exploring the country in an RV, or hitting a trail...
- [General Liability Insurance 101: A Foundation for Every Small Business](https://www.lightshipinsurance.com/article/general-liability-insurance-101-foundation-for-every-small-business): If you own a small business, you’ve likely heard that general liability insurance is something you should have. But what exactly does it cover,...
- [Back-to-School Season: Does Your Auto Insurance Cover a Teen Driver?](https://www.lightshipinsurance.com/article/back-to-school-season-does-your-auto-insurance-cover-teen-driver): Every August, millions of families prepare for back-to-school, and for households with a newly licensed teen, that checklist includes an important que...
- [Commercial Auto Insurance: What Business Owners Should Know About Covering Company Vehicles](https://www.lightshipinsurance.com/article/commercial-auto-insurance-what-business-owners-should-know-about-covering-company-vehicles): Whether your business relies on a single work truck or a fleet of delivery vans, the vehicles you use for business purposes likely need more than a st...
- [Renters Insurance: The Affordable Coverage Most Renters Don't Know They're Missing](https://www.lightshipinsurance.com/article/renters-insurance-affordable-coverage-most-renters-dont-know-theyre-missing): If you rent your home, apartment, or condo, you may assume that your landlord’s insurance policy protects your belongings. Unfortunately, that...
- [Cyber Liability Insurance: Does Your Small Business Really Need It?](https://www.lightshipinsurance.com/article/cyber-liability-insurance-does-your-small-business-really-need-it): When most people think of cyberattacks, they picture large corporations making headline news after a major data breach. But the reality is that small...
- [Does Your Auto Insurance Cover Rideshare Driving? What You Need to Know](https://www.lightshipinsurance.com/article/does-your-auto-insurance-cover-rideshare-driving-what-you-need-to-know): Rideshare driving has become a popular way for millions of Americans to earn extra income. Whether you drive for a transportation network company full...
- [Juneteenth: Honoring History and Building Financial Security for Every Community](https://www.lightshipinsurance.com/article/juneteenth-honoring-history-and-building-financial-security-for-every-community): On June 19, 1865, enslaved people in Galveston, Texas, learned they were free — more than two years after the Emancipation Proclamation. This day, kno...
- [What Is a Business Owner's Policy (BOP) and Is It Right for Your Business?](https://www.lightshipinsurance.com/article/what-is-a-business-owners-policy-bop-and-is-it-right-for-your-business): If you own a small or medium-sized business, you’ve probably heard the term “Business Owner’s Policy” or BOP. It’s one o...
- [Summer Road Trips and Your Auto Insurance: What Every Driver Should Know](https://www.lightshipinsurance.com/article/summer-road-trips-and-your-auto-insurance-what-every-driver-should-know): School is out, the days are longer, and millions of Americans are gearing up for summer road trips. Before you load up the car and point it toward the...
- [Protecting Your Business This Summer: Why Seasonal Risks Deserve a Coverage Review](https://www.lightshipinsurance.com/article/protecting-your-business-this-summer-why-seasonal-risks-deserve-a-coverage-review): For many businesses, summer is the busiest and most profitable time of year. From restaurants and retail shops to contractors and event venues, the wa...
- [National Homeownership Month: How to Make Sure Your Home Insurance Keeps Up](https://www.lightshipinsurance.com/article/national-homeownership-month-how-to-make-sure-your-home-insurance-keeps-up): June is National Homeownership Month — a great time to celebrate the pride of owning a home and to make sure that home is well-protected. Whether you...
- [Pride Month and Insurance: Making Sure Your Coverage Reflects Your Family](https://www.lightshipinsurance.com/article/pride-month-and-insurance-making-sure-your-coverage-reflects-your-family): June is Pride Month — a time to celebrate the LGBTQ+ community and reflect on the progress made toward equality and inclusion. It’s also an oppo...
- [5 Common Business Insurance Gaps](https://www.lightshipinsurance.com/article/5-common-business-insurance-gaps): Many businesses carry insurance but still face coverage gaps when a claim arises. That usually does not mean the business had no insurance at all. It...
- [4 Ways Telematics Can Impact Car Insurance](https://www.lightshipinsurance.com/article/4-ways-telematics-can-impact-car-insurance): Telematics is technology that tracks driving behavior via a mobile app, a plug-in device, or a built-in vehicle system. Insurance companies may use th...
- [Who Needs Professional Liability Insurance the Most?](https://www.lightshipinsurance.com/article/who-needs-professional-liability-insurance-most): Professional liability insurance is designed for businesses that give advice, provide services, create plans, or make recommendations that clients rel...
- [Does Your Roof Affect Homeowners’ Insurance Rates?](https://www.lightshipinsurance.com/article/does-your-roof-affect-homeowners-insurance-rates): Part of providing for your family is literally “putting a roof over their heads.” Your home’s roof protects your family and property from damage. The...
- [Why Spring Is a Good Time to Renew Your Business Insurance](https://www.lightshipinsurance.com/article/why-spring-is-a-good-time-to-renew-your-business-insurance): Many people view spring as a natural reset point for various industries as the weather warms and customer demand begins to increase. For business owne...
- [Spring Insurance: 5 Tips for Seasonal Risks](https://www.lightshipinsurance.com/article/spring-insurance-5-tips-for-seasonal-risks): The arrival of spring brings a welcome change in weather, but it also ushers in a unique variety of challenges for homeowners and drivers alike. This...
- [Insurance Tips for Your Landscaping Business](https://www.lightshipinsurance.com/article/insurance-tips-for-your-landscaping-business): Landscaping businesses deal with unique challenges due to the industry’s seasonal nature and the physically demanding work crews perform every day. Yo...
- [How Landscaping Can Impact Your Homeowners' Insurance](https://www.lightshipinsurance.com/article/how-landscaping-can-impact-your-homeowners-insurance): National Lawn and Garden Month is a perfect reminder to enhance the beauty of your property via thoughtful landscaping. While a lush green lawn and co...
- [Commercial Auto Insurance Tips for Spring Delivery Fleets](https://www.lightshipinsurance.com/article/commercial-auto-insurance-tips-for-spring-delivery-fleets): Spring demand rapidly ramps up your overall delivery exposure by increasing miles driven, tightening delivery schedules, and requiring more active dri...
- [Home & Auto Spring Maintenance Checklist](https://www.lightshipinsurance.com/article/home-auto-spring-maintenance-checklist): Spring maintenance keeps your property in good condition and helps you get better insurance rates. Evaluating your home exterior after winter is a cri...
- [Key Questions for Your Business Insurance Renewal](https://www.lightshipinsurance.com/article/key-questions-for-your-business-insurance-renewal): Your upcoming policy renewal constitutes a crucial business risk checkup rather than just another administrative bill to pay. As your company grows an...
- [Spring Break Insurance Tips](https://www.lightshipinsurance.com/article/spring-break-insurance-tips): Spring break travel often involves cross-country road trips, beach days, and struggling through crowded airport terminals. Many travelers focus solely...
- [Honoring Women's History Month](https://www.lightshipinsurance.com/article/honoring-womens-history-month): Women’s History Month provides a key opportunity for organizations to evaluate whether their corporate culture and support systems align with th...
- [Why a Basic Home Insurance Policy Isn’t Always Enough](https://www.lightshipinsurance.com/article/why-basic-home-insurance-policy-isnt-always-enough): While a typical homeowners insurance policy offers a reliable starting point, it’s important to remember that “standard” only goes so far. Since every...
- [A Homeowner’s Guide to Dealing with Ice Dams](https://www.lightshipinsurance.com/article/homeowners-guide-to-dealing-with-ice-dams-2): Ice dams form when snow on a roof melts, runs down to colder eaves, and refreezes into a ridge that blocks drainage. Over repeated melt-freeze cycles,...
- [Black History Month: A Look Back & A Step Forward](https://www.lightshipinsurance.com/article/black-history-month-look-back-step-forward): Black History Month has deep roots in education, community organizing, and a push to correct what was missing from mainstream history teaching. The ob...
- [New Year Business Insurance Checklist](https://www.lightshipinsurance.com/article/new-year-business-insurance-checklist): Is Your Company Really Protected? A new year is the perfect time for businesses to run a quick “audit” of their insurance program. Over the past twelv...
- [Common Insurance Myths Debunked](https://www.lightshipinsurance.com/article/common-insurance-myths-debunked): What Your Friend on Social Media Got Wrong! We all know someone who thinks they’ve gained vast knowledge on a subject after merely seeing a shor...
- [The Ins and Outs of Commercial Auto Insurance](https://www.lightshipinsurance.com/article/ins-outs-of-commercial-auto-insurance): What Every Business Owner Should Know Modern businesses are always on the move. Delivery vans drop off products, service trucks head to job sites, and...
- [Your New Year’s Insurance Checklist](https://www.lightshipinsurance.com/article/your-new-years-insurance-checklist): A new calendar year is a natural reset. Over the past 12 months, you may have moved, bought a car, started a home-based business, gotten married, or w...
- [What’s the Difference Between General and Professional Liability Insurance?](https://www.lightshipinsurance.com/article/whats-difference-between-general-professional-liability-insurance): General liability (GL) addresses bodily injury, property damage, and specific personal or advertising injuries arising from your premises, operations,...
- [How to Prepare for a Winter Road Trip](https://www.lightshipinsurance.com/article/how-to-prepare-for-winter-road-trip): Plan Your Route Like a Pro: Weather, Detours, and “Plan B” Check official state DOT and highway apps for live road conditions, closures, and chain con...
- [4 Reasons to Purchase Business Interruption Insurance](https://www.lightshipinsurance.com/article/4-reasons-to-purchase-business-interruption-insurance): The Need for Revenue Doesn’t Pause When You Can’t Do Business Business interruption (BI) insurance replaces lost income when a covered peril forces yo...
- [A Guide to Winterizing Your Home](https://www.lightshipinsurance.com/article/guide-to-winterizing-your-home): Drafts, Doors, and Dollars To winterize your home, start with the biggest leaks, such as attic hatches, exterior doors, baseboards, and windows. Add a...
- [Your Business Insurance Policy Checklist](https://www.lightshipinsurance.com/article/your-business-insurance-policy-checklist): As your business evolves over time, so should your insurance protection. Staying proactive with insurance coverage can mean the difference between a m...
- [Preventing a Home Insurance Claim from Getting Denied](https://www.lightshipinsurance.com/article/preventing-home-insurance-claim-from-getting-denied): Home insurance offers peace of mind in case of unexpected damage or loss, but that protection only applies if your claim is approved. Many homeowners...
- [5 Holiday Retail Risks to Avoid](https://www.lightshipinsurance.com/article/5-holiday-retail-risks-to-avoid): For most retailers, the holiday season is the busiest and most profitable time of year. With higher customer traffic and increased online sales come g...
- [Driving Safety Tips for Holiday Travel](https://www.lightshipinsurance.com/article/driving-safety-tips-for-holiday-travel): Every year, millions of Americans take to the road for the Thanksgiving holiday, traveling to spend time with their family and friends. Along with the...
- [Honoring Native American Heritage Month](https://www.lightshipinsurance.com/article/honoring-native-american-heritage-month): Native American Heritage Month in November provides an opportunity to reflect on the rich history, culture, and contributions of Native Americans, Ala...
- [Don’t Let a Disaster Halt Your Business: The Power of Business Interruption Insurance](https://www.lightshipinsurance.com/article/dont-let-a-disaster-halt-your-business-the-power-of-business-interruption-insurance): When a fire, storm, or other unexpected event forces a business to shut down temporarily, the financial toll can be disastrous. This is where business...
- [Fall Home Checklist: Protecting Your Property Before Winter Hits](https://www.lightshipinsurance.com/article/fall-home-checklist-protecting-your-property-before-winter-hits): When fall is in the air, it is the perfect reminder that winter is just around the corner. Preparing your home now for colder weather can help you avo...
- [Protecting Your Business from the Unexpected: Fire Prevention Tips for Small Businesses](https://www.lightshipinsurance.com/article/protecting-your-business-from-the-unexpected-fire-prevention-tips-for-small-businesses): A fire can be devastating for a small business. It can destroy property, interrupt operations, and put lives at risk. Although you may not be able to...
- [National Fire Safety Week: Is Your Household Prepared for Evacuation?](https://www.lightshipinsurance.com/article/national-fire-safety-week-is-your-household-prepared-for-evacuation): National Fire Safety Week serves as a reminder each October to re-evaluate our preparedness for house fires. While many families install smoke detecto...

## Products

- [Welder Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/welder-insurance/): Lightship Insurance provides Welder Insurance for Denver and all of Colorado.
- [Vacant Building Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/vacant-building-insurance/): Lightship Insurance provides Vacant Building Insurance for Denver and all of Colorado.
- [Roofer Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/roofer-insurance/): Lightship Insurance provides Roofer Insurance for Denver and all of Colorado.
- [Plumber Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/plumber-insurance/): Lightship Insurance provides Plumber Insurance for Denver and all of Colorado.
- [Painters Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/painters-insurance/): Lightship Insurance provides Painters Insurance for Denver and all of Colorado.
- [Mason & Bricklayer Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/mason-bricklayer-insurance/): Lightship Insurance provides Mason & Bricklayer Insurance for Denver and all of Colorado.
- [Landscaper Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/landscaper-insurance/): Lightship Insurance provides Landscaper Insurance for Denver and all of Colorado.
- [Landlord & Lessors Risk Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/landlord-lessors-risk-insurance/): Lightship Insurance provides Landlord & Lessors Risk Insurance for Denver and all of Colorado.
- [Insulation Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/insulation-insurance/): Lightship Insurance provides Insulation Insurance for Denver and all of Colorado.
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- [Electrician Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/electrician-insurance/): Lightship Insurance provides Electrician Insurance for Denver and all of Colorado.
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- [Hospital Indemnity Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/hospital-indemnity-insurance/): Lightship Insurance provides Hospital Indemnity Insurance for Denver and all of Colorado.
- [Cancer Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/cancer-insurance/): Lightship Insurance provides Cancer Insurance for Denver and all of Colorado.
- [Accidental Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/accidental-insurance/): Lightship Insurance provides Accidental Insurance for Denver and all of Colorado.
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- [Indexed Annuities](https://www.lightshipinsurance.com/insurance-services/life-insurance/indexed-annuities/): Lightship Insurance provides Indexed Annuities for Denver and all of Colorado.
- [Retirement Planning](https://www.lightshipinsurance.com/insurance-services/life-insurance/retirement-planning/): Lightship Insurance provides Retirement Planning for Denver and all of Colorado.
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- [Snowmobile Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/snowmobile-insurance/): Lightship Insurance provides Snowmobile Insurance for Denver and all of Colorado.
- [Renters Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/renters-insurance/): Lightship Insurance provides Renters Insurance for Denver and all of Colorado.
- [Rental Property Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/rental-property-insurance/): Lightship Insurance provides Rental Property Insurance for Denver and all of Colorado.
- [Personal Umbrella Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/personal-umbrella-insurance/): Lightship Insurance provides Personal Umbrella Insurance for Denver and all of Colorado.
- [Motorcycle Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/motorcycle-insurance/): Lightship Insurance provides Motorcycle Insurance for Denver and all of Colorado.
- [Homeowners Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/homeowners-insurance/): Lightship Insurance provides Homeowners Insurance for Denver and all of Colorado.
- [High Net Worth Coverage](https://www.lightshipinsurance.com/insurance-services/personal-insurance/high-net-worth-coverage/): Lightship Insurance provides High Net Worth Coverage for Denver and all of Colorado.
- [Flood Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/flood-insurance/): Lightship Insurance provides Flood Insurance for Denver and all of Colorado.
- [Condominium Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/condominium-insurance/): Lightship Insurance provides Condominium Insurance for Denver and all of Colorado.
- [Collector Car Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/collector-car-insurance/): Lightship Insurance provides Collector Car Insurance for Denver and all of Colorado.
- [Boat & Marine Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/boat-marine-insurance/): Lightship Insurance provides Boat & Marine Insurance for Denver and all of Colorado.
- [Auto Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/auto-insurance/): Lightship Insurance provides Auto Insurance for Denver and all of Colorado.
- [ATV Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/atv-insurance/): Lightship Insurance provides ATV Insurance for Denver and all of Colorado.
- [Personal Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/): Lightship Insurance provides Personal Insurance for Denver and all of Colorado.
- [Mortgage Protection Insurance](https://www.lightshipinsurance.com/insurance-services/life-insurance/mortgage-protection-insurance/): Lightship Insurance provides Mortgage Protection Insurance for Denver and all of Colorado.
- [Individual Life Insurance](https://www.lightshipinsurance.com/insurance-services/life-insurance/individual-life-insurance/): Lightship Insurance provides Individual Life Insurance for Denver and all of Colorado.
- [Fixed Annuities](https://www.lightshipinsurance.com/insurance-services/life-insurance/fixed-annuities/): Lightship Insurance provides Fixed Annuities for Denver and all of Colorado.
- [Final Expense Insurance](https://www.lightshipinsurance.com/insurance-services/life-insurance/final-expense-insurance/): Lightship Insurance provides Final Expense Insurance for Denver and all of Colorado.
- [Individual Vision Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/individual-vision-insurance/): Lightship Insurance provides Individual Vision Insurance for Denver and all of Colorado.
- [Individual Long-Term Care (LTC) Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/individual-long-term-care-ltc-insurance/): Lightship Insurance provides Individual Long-Term Care (LTC) Insurance for Denver and all of Colorado.
- [Individual Disability Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/individual-disability-insurance/): Lightship Insurance provides Individual Disability Insurance for Denver and all of Colorado.
- [Individual Dental Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/individual-dental-insurance/): Lightship Insurance provides Individual Dental Insurance for Denver and all of Colorado.
- [Individual & Family Health Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/individual-family-health-insurance/): Lightship Insurance provides Individual & Family Health Insurance for Denver and all of Colorado.
- [Health Insurance](https://www.lightshipinsurance.com/insurance-services/health-insurance/): Lightship Insurance provides Health Insurance for Denver and all of Colorado.
- [QSHERA](https://www.lightshipinsurance.com/insurance-services/group-benefits/qshera/): Lightship Insurance provides QSHERA for Denver and all of Colorado.
- [ICHRA](https://www.lightshipinsurance.com/insurance-services/group-benefits/ichra/): Lightship Insurance provides ICHRA for Denver and all of Colorado.
- [Health Savings Accounts (HSA)](https://www.lightshipinsurance.com/insurance-services/group-benefits/health-savings-accounts-hsa/): Lightship Insurance provides Health Savings Accounts (HSA) for Denver and all of Colorado.
- [Health Reimbursement Arrangement](https://www.lightshipinsurance.com/insurance-services/group-benefits/health-reimbursement-arrangement/): Lightship Insurance provides Health Reimbursement Arrangement for Denver and all of Colorado.
- [Group Vision Insurance](https://www.lightshipinsurance.com/insurance-services/group-benefits/group-vision-insurance/): Lightship Insurance provides Group Vision Insurance for Denver and all of Colorado.
- [Group Long-Term Care (LTC) Insurance](https://www.lightshipinsurance.com/insurance-services/group-benefits/group-long-term-care-ltc-insurance/): Lightship Insurance provides Group Long-Term Care (LTC) Insurance for Denver and all of Colorado.
- [Group Life Insurance](https://www.lightshipinsurance.com/insurance-services/group-benefits/group-life-insurance/): Lightship Insurance provides Group Life Insurance for Denver and all of Colorado.
- [Manufacturers Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/manufacturers-insurance/): Lightship Insurance provides Manufacturers Insurance for Denver and all of Colorado.
- [Liquor Liability Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/liquor-liability-insurance/): Lightship Insurance provides Liquor Liability Insurance for Denver and all of Colorado.
- [Medical Malpractice Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/medical-malpractice-insurance/): Lightship Insurance provides Medical Malpractice Insurance for Denver and all of Colorado.
- [Non-Profit Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/non-profit-insurance/): Lightship Insurance provides Non-Profit Insurance for Denver and all of Colorado.
- [Product Liability Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/product-liability-insurance/): Lightship Insurance provides Product Liability Insurance for Denver and all of Colorado.
- [Professional Liability (Errors & Omissions) Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/professional-liability-errors-omissions-insurance/): Lightship Insurance provides Professional Liability (Errors & Omissions) Insurance for Denver and all of Colorado.
- [Restaurant, Tavern, & Bar Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/restaurant-tavern-bar-insurance/): Lightship Insurance provides Restaurant, Tavern, & Bar Insurance for Denver and all of Colorado.
- [Surety & Performance Bonds](https://www.lightshipinsurance.com/insurance-services/business-insurance/surety-performance-bonds/): Lightship Insurance provides Surety & Performance Bonds for Denver and all of Colorado.
- [Technology Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/technology-insurance/): Lightship Insurance provides Technology Insurance for Denver and all of Colorado.
- [Wholesalers & Distributors Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/wholesalers-distributors-insurance/): Lightship Insurance provides Wholesalers & Distributors Insurance for Denver and all of Colorado.
- [Workers’ Compensation Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/workers-compensation-insurance/): Lightship Insurance provides Workers’ Compensation Insurance for Denver and all of Colorado.
- [401(k) Retirement Plans](https://www.lightshipinsurance.com/insurance-services/group-benefits/401k-retirement-plans/): Lightship Insurance provides 401(k) Retirement Plans for Denver and all of Colorado.
- [Buy / Sell Protection](https://www.lightshipinsurance.com/insurance-services/business-insurance/buy-sell-protection/): Lightship Insurance provides Buy / Sell Protection for Denver and all of Colorado.
- [Flexible Spending Accounts (FSA)](https://www.lightshipinsurance.com/insurance-services/group-benefits/flexible-spending-accounts-fsa/): Lightship Insurance provides Flexible Spending Accounts (FSA) for Denver and all of Colorado.
- [Group Dental Insurance](https://www.lightshipinsurance.com/insurance-services/group-benefits/group-dental-insurance/): Lightship Insurance provides Group Dental Insurance for Denver and all of Colorado.
- [Group Disability Insurance](https://www.lightshipinsurance.com/insurance-services/group-benefits/group-disability-insurance/): Lightship Insurance provides Group Disability Insurance for Denver and all of Colorado.
- [Group Health Insurance](https://www.lightshipinsurance.com/insurance-services/group-benefits/group-health-insurance/): Lightship Insurance provides Group Health Insurance for Denver and all of Colorado.
- [Key Person / Employee Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/key-person-employee-insurance/): Lightship Insurance provides Key Person / Employee Insurance for Denver and all of Colorado.
- [Hotel & Motel Hospitality Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/hotel-motel-hospitality-insurance/): Lightship Insurance provides Hotel & Motel Hospitality Insurance for Denver and all of Colorado.
- [General Liability Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/general-liability-insurance/): Lightship Insurance provides General Liability Insurance for Denver and all of Colorado.
- [Garage Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/garage-insurance/): Lightship Insurance provides Garage Insurance for Denver and all of Colorado.
- [Farm / Agribusiness Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/farm-agribusiness-insurance/): Lightship Insurance provides Farm / Agribusiness Insurance for Denver and all of Colorado.
- [Employment Practices Liability Insurance (EPLI)](https://www.lightshipinsurance.com/insurance-services/business-insurance/employment-practices-liability-insurance-epli/): Lightship Insurance provides Employment Practices Liability Insurance (EPLI) for Denver and all of Colorado.
- [Directors & Officers Liability Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/directors-and-officers-liability-insurance/): Lightship Insurance provides Directors & Officers Liability Insurance for Denver and all of Colorado.
- [Cyber Liability Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/cyber-liability-insurance/): Lightship Insurance provides Cyber Liability Insurance for Denver and all of Colorado.
- [Construction, Contractors, Subcontractors, Artisan Contractors, & General Contractors](https://www.lightshipinsurance.com/insurance-services/business-insurance/contractors-general-liability-insurance/): Lightship Insurance provides Construction, Contractors, Subcontractors, Artisan Contractors, & General Contractors for Denver and all of Colorado.
- [Commercial Umbrella Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/commercial-umbrella-insurance/): Lightship Insurance provides Commercial Umbrella Insurance for Denver and all of Colorado.
- [Commercial Trucking Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/commercial-trucking-insurance/): Lightship Insurance provides Commercial Trucking Insurance for Denver and all of Colorado.
- [Commercial Property Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/commercial-property-insurance/): Lightship Insurance provides Commercial Property Insurance for Denver and all of Colorado.
- [Commercial Auto Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/commercial-auto-insurance/): Lightship Insurance provides Commercial Auto Insurance for Denver and all of Colorado.
- [Cargo Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/cargo-insurance/): Lightship Insurance provides Cargo Insurance for Denver and all of Colorado.
- [Business Owners Package Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/business-owners-package-insurance/): Lightship Insurance provides Business Owners Package Insurance for Denver and all of Colorado.
- [Builder’s Risk Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/builders-risk-insurance/): Lightship Insurance provides Builder’s Risk Insurance for Denver and all of Colorado.
- [Business Insurance](https://www.lightshipinsurance.com/insurance-services/business-insurance/): Lightship Insurance provides Business Insurance for Denver and all of Colorado.
- [Life Insurance](https://www.lightshipinsurance.com/insurance-services/life-insurance/): Lightship Insurance provides Life Insurance for Denver and all of Colorado.
- [Group Benefits](https://www.lightshipinsurance.com/insurance-services/group-benefits/): Lightship Insurance provides Group Benefits for Denver and all of Colorado.
- [Valuable Items Insurance](https://www.lightshipinsurance.com/insurance-services/personal-insurance/valuable-items-insurance/): Lightship Insurance provides Valuable Items Insurance for Denver and all of Colorado.

## Insurance Carriers

- [AIG - American International Group](https://www.lightshipinsurance.com/insurance-companies/aig-american-international-group): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from AIG - American International Group provides.
- [Anthem Blue Cross and Blue Shield](https://www.lightshipinsurance.com/insurance-companies/anthem-blue-cross-and-blue-shield): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Anthem Blue Cross and Blue Shield provides.
- [Auto-Owners Insurance](https://www.lightshipinsurance.com/insurance-companies/auto-owners-insurance): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Auto-Owners Insurance provides.
- [Berkshire Hathaway Homestate Companies](https://www.lightshipinsurance.com/insurance-companies/berkshire-hathaway-homestate-companies): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Berkshire Hathaway Homestate Companies provides.
- [Chubb Group](https://www.lightshipinsurance.com/insurance-companies/chubb-group): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Chubb Group provides.
- [Foremost Insurance](https://www.lightshipinsurance.com/insurance-companies/foremost-insurance): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Foremost Insurance provides.
- [Guard Insurance Group](https://www.lightshipinsurance.com/insurance-companies/guard-insurance-group): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Guard Insurance Group provides.
- [The Hartford Insurance Group, Inc.](https://www.lightshipinsurance.com/insurance-companies/the-hartford): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from The Hartford Insurance Group, Inc. provides.
- [Kaiser Permanente](https://www.lightshipinsurance.com/insurance-companies/kaiser-permanente): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Kaiser Permanente provides.
- [Liberty Mutual Insurance](https://www.lightshipinsurance.com/insurance-companies/liberty-mutual-insurance): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Liberty Mutual Insurance provides.
- [The Progressive Corporation](https://www.lightshipinsurance.com/insurance-companies/progressive-insurance): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from The Progressive Corporation provides.
- [The Travelers Indemnity Company](https://www.lightshipinsurance.com/insurance-companies/travelers-insurance): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from The Travelers Indemnity Company provides.
- [UnitedHealthcare](https://www.lightshipinsurance.com/insurance-companies/unitedhealthcare): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from UnitedHealthcare provides.
- [Zurich American Insurance Company](https://www.lightshipinsurance.com/insurance-companies/zurich): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Zurich American Insurance Company provides.
- [Berkshire Hathaway](https://www.lightshipinsurance.com/insurance-companies/berkshire-hathaway): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Berkshire Hathaway provides.
- [Bristol West Insurance](https://www.lightshipinsurance.com/insurance-companies/bristol-west-insurance): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Bristol West Insurance provides.
- [Colony Insurance (The Argonaut Group)](https://www.lightshipinsurance.com/insurance-companies/colony-insurance-the-argonaut-group): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Colony Insurance (The Argonaut Group) provides.
- [Crum and Forster](https://www.lightshipinsurance.com/insurance-companies/crum-and-forster): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Crum and Forster provides.
- [Markel](https://www.lightshipinsurance.com/insurance-companies/markel): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Markel provides.
- [GEICO](https://www.lightshipinsurance.com/insurance-companies/geico): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from GEICO provides.
- [HISCOX](https://www.lightshipinsurance.com/insurance-companies/hiscox): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from HISCOX provides.
- [Lloyds of London](https://www.lightshipinsurance.com/insurance-companies/lloyds-of-london): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Lloyds of London provides.
- [Nationwide Insurance](https://www.lightshipinsurance.com/insurance-companies/nationwide-insurance): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Nationwide Insurance provides.
- [Old Republic Surety](https://www.lightshipinsurance.com/insurance-companies/old-republic-surety): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from Old Republic Surety provides.
- [USLI](https://www.lightshipinsurance.com/insurance-companies/usli): We’ve helped countless people throughout Colorado save money and enjoy the peace of mind that a policy from USLI provides.