Motor Vehicle

• Auto Insurance
  Automobile insurance is designed to protect you and your owned vehicles from physical damage, as well as liability claims potentially arising out of bodily injury to yourself or others. Michigan is classified as a “no-fault” auto insurance state. This means, all claims resulting in damages to your vehicle will be covered under your auto insurance policy, regardless of fault.
• RV Insurance
  There are different policies designed to properly insure your specific watercraft or recreational vehicle insurance needs. Some of your recreational vehicles or watercraft can be insured directly on your Homeowners policy.
• Inland Marine Insurance

Property

• Home Insurance
  Getting the right homeowners insurance can seem pretty complicated. Homeowners Insurance policies can be written on different forms – HO-3 Home Owners Form, HO-6 Condo Owners Form, and HO-4 Tenants Form, as well as Dwelling Fire for owned premises you rent to others. The different forms are designed to provide the best possible coverage for your residential situation. A standard Homeowners policy will provide the appropriate dwelling and personal property coverages based on your needs, other structures on your property, as well as personal liability coverage for you and your family.

Health and Life

• Health Insurance
  Prior to joining PUI Agency of Colorado, Inc. Cindy started her own business selling life and health insurance to individuals while providing superior customer service and working with a local chamber. In addition to managing her company she was also the Membership Chair for the ABWA and was in charge of new membership enrollment. She also held a Sales Coordinator position in the regional sales office of US Life where Cindy implemented an administrative processing system.

Business

• Business Insurance
  We have an experienced Property & Casualty Insurance staff that collectively has over 150 years of experience.We can provide your firm with comprehensive business insurance programs specifically designed to meet your firm’s needs.
• Commercial Property Insurance
  Crime insurance is also known as “fidelity” insurance is commonly overlooked, leaving companies vulnerable to potential losses. Crime-related losses are not always covered by your commercial property insurance, so it’s important to make sure your firm is protected. All types of organizations have risk of crime within or outside of their business, it is important to have coverage to protect your company. The coverages include, but are not limited to, employee dishonesty, forgery or alteration, computer fraud, and reimbursement for claims expenses. Employee Dishonesty provides protection against dishonest acts of employees and coverage for loss of your money or other real or personal property. Forgery provides coverage for a loss for someone that is attempting to defraud your firm. Computer fraud protects your firm from issues such as malicious software and spoofing techniques.
• Workers Compensation Insurance
  Businesses and the economy have become much more global and continue to trend in that direction. It is important for firms working overseas that they have protection internationally. Some of the coverage’s that are available for international coverage are commercial general liability, property, commercial auto, workers compensation, umbrella, marine, travel assistance, medical coverage and kidnap & ransom policies. Some of the coverage’s are available as package policies with several coverage types included or separate policy for the specific coverage (such as kidnap and ransom). It is important to know your needs for the coverage and what policy would best suit those needs, this may also vary depending on the country you are working in. Professional Underwriters can assist in the finding the right policy for your firm.
• Commercial Liability Insurance
  We can provide a single source for your insurance needs including Professional Liability Insurance, Business Liability Insurance, and your Personal Liability Insurance.
• Professional Liability Insurance
  The professional liability insurance policy is intended to cover those providing professional services such as architects, engineers, consultants, construction managers, surveyors, or scientists.

Personal

• Liability Insurance
  This is an insurance policy that is in excess of specified other policies. When the policy limits of the underlying policy have been met that is when the umbrella policy takes over. It will pay up to the umbrella policy limits. It can also protect a business from gaps in existing coverage, sometimes even exclusions on the primary liability policy.