Archive for April, 2015

MAY is Disability Insurance Awareness Month

April 30th, 2015 by Marie DeWolf


How would you like to receive up to 60% of your income if you couldn't go to work because of an accident or sickness?

MAY is Disability Insurance Awareness month - dedicated to talking with working consumers about the importance of insuring their incomes. So let's start the discussion!

Two thirds of Americans told us salaries were their second most valuable asset, yet only 29% of them took any steps to protect it.

Now is the time to think about it realistically.

  • How long could you afford to go without a paycheck???
  • You use your paycheck mainly to pay for your home, your car, groceries, medical bills and utilities.


Ask yourself these questions:

  • How much coverage you need?
  • How long will I receive benefits?
  • When will my benefits start?
  • How much will it cost?

Call us at Marie DeWolf Insurance - 970-622-9982.

We'll help you answer these questions with confidence!

Workers' Compensation

April 3rd, 2015 by Marie DeWolf

Insurance Protection for the health of
your employees – and your business.

As a small business owner, one of your most important assets is your people. So when an employee suffers a work-related injury or illness, you feel it – both emotionally and financially.

Because employee injuries can impact your insurance premiums and your profitability, you need the knowledge of a seasoned company that offers the coverages and capabilities to help address these indirect costs.

At The Hartford, we're dedicated to helping you get injured employees back to work as quickly as is medically appropriate - so you can limit losses. We can even assist you in preventing injuries and illnesses from occurring in the first place.

Broad Range of Coverages*

Perhaps what business owners appreciate most about The Hartford's Workers' Compensation Program is our range of coverages. Because not every company's needs are the same, we offer two versions of our Workers' Compensation Broad Form Endorsement. Not only you find many of the standard coverages in our Basic version, but we also go beyond these statutory requirements. And if you're looking for additional coverages, you'll find we pack even more value into our Extended Options plan.

Here are just some of the coverages included in our Basic Broad Form Endorsement that may be especially valuable to your business:

  • Reimbursement for your reasonable expenses - including loss of earnings - incurred on your behalf in connection with a claim, proceeding or suit we defend.
  • Employer's liability stopgap for all states where workers' compensation is provided by a monopolistic state fund.
  • Voluntary compensation for your employees who are not covered by state statute.
  • Sixty days - versus the industry standard of 30 days - to notify us to add states where you have newly set up operations.

Our Extended Broad Form Endorsement Option adds valuable coverage at a nominal increase and includes all of the enhancements offered in our basic option, plus:

  • Increased limits for employers' liability insurance.
  • Waiver of our right to recover from other parties liable for an injury to your workers in those instances where you have signed an agreement with the other party requiring such a waiver.
  • Extension of workers' compensation insurance to cover your employees who suffer employment-related injuries or illnesses while traveling on business outside the United States.
  • Coverage for your obligation under the United States Longshoremans and Harbor Works Act to provide these federal benefits if an employee should unexpectedly be found subject to the Act.

Why Choose The Hartford

With workers' compensation insurance from The Hartford, you get the coverages you need at a competitive price. And you have peace of mind knowing that a financially stable insurance company with almost 200 years of expertise is protecting your business - and working to help you improve workplace safety.

* All coverages are not available in all states

This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage.