"I love Pure Risk Advisors - Personal & Business Insurance - Erie, CO"

2022-09-23 02:58:22

Skip to main content Visit Pure Risk Advisors on TwitterVisit Pure Risk Advisors on FacebookVisit Pure Risk Advisors on LinkedinVisit Pure Risk Advisors on InstagramClient [email protected] 303-834-1001 Menu AboutMeet Our TeamJoin Our TeamAmazing FeedbackWe Are IndependentPersonal InsuranceHome InsuranceAuto InsuranceCondo InsuranceRenters InsuranceFlood InsuranceMore Personal InsuranceBusiness InsuranceBusiness Owners InsuranceLiquor Store InsuranceNightclub and Bar InsuranceRestaurant InsuranceBrewery InsuranceContractor InsuranceMore Business InsuranceEmployee BenefitsGroup Health InsuranceGroup Dental InsuranceGroup Vision Insurance401(k)Disability InsuranceMore Employee BenefitsContactErie, COBoulder, COBuena Vista, CODenver, COFort Collins, COLongmont, COGet a Quote Menu Close Search Insuring your Peace of MindInsuring your peace of mind.Get a Quote Personal InsuranceOur goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget. Business InsuranceWe’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs. Employee BenefitsWorking with our partners, we can design an employee benefits program that makes sense for your company and your employees. View Our Specialties Personal Insurance Home InsuranceAuto InsuranceCondo InsuranceRenters InsuranceFlood InsuranceSee All Business Insurance Restaurant InsuranceBrewery InsuranceContractor InsuranceBusiness Owners InsuranceGeneral Liability InsuranceSee All Employee Benefits Group Health InsuranceGroup Dental InsuranceGroup Vision Insurance401(k)Disability InsuranceSee All There’s more to insurance than the price of the policy.Explore our interactive graphics and learn about your unique risks and the related insurance solutions.Personal InsuranceBusiness InsuranceEmployee Benefits FireRisk FactorMost fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.SolutionMake sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.Personal Property / Contents - Property DamageRisk FactorWhen your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.SolutionYour homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.Additional Living Expense / Loss of UseRisk FactorWhen there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.SolutionEnsure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.Valuable PossessionsRisk FactorTypically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.SolutionObtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.Medical ExpensesRisk FactorIf a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.SolutionYour homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.Personal LiabilityRisk FactorIn the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.SolutionYour homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.Miscellaneous CoverageRisk FactorThe fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.SolutionYou should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.Personal Injury / DefamationRisk FactorYoung people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.SolutionYour homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.Umbrella / Excess Liability CoverageRisk FactorYou invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?SolutionAn umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.Flood CoverageRisk FactorYou do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?SolutionPurchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.Secondary HomeRisk FactorOwning a secondary home has the potential of increasing your liability exposures.SolutionBe certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.Collector CarsRisk FactorCollector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.SolutionInsure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.Wine CollectionRisk FactorIf you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.SolutionIf you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.Water DamageRisk FactorWhether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.SolutionCareful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.Off-Premises TheftRisk FactorSurprisingly, standard auto insurance does not cover personal property or contents stolen from your car.SolutionMost homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence. About Pure Risk AdvisorsWe are your local, independent insurance agency committed to helping protect the things you love most. Our goal is to offer a better option for businesses, individuals and families to cover their risks, with a focus on quality and cost (in that order), integrity, responsiveness and an ever-growing knowledge of our craft.Our expertise will give you the confidence that the things you work so hard for are covered by a reputable company that knows the ins and outs of your coverage, so that you can focus on the more important things in your life.The meaning behind our namePure risk: a situation where there is a chance of either loss or no loss, but no chance of gain.Advisor: a professional who provides guidance to clients based on their situation and exposures.About Our AgencyInsurance Quote Contact [email protected] Contact Our OfficeErie, CO500 Briggs Street, Ste 200Erie, CO 80516 View Details What Makes Us UniqueWhat Sets Us Apart We work for YOU - and we are committed to helping you protect the things you love most. We are committed to creating great client experiences. We prefer quality to quantity in the relationships we develop with our clients. Our insurance specialties include restaurants, breweries and contractors. We make sure the I’s are dotted and the T’s are crossed with your coverage. Our team was hand selected for their expertise in the industry. “In today’s insurance marketplace, innovation and originality are important - but unless they’re accompanied by integrity and personalized service, they do little to accomplish a club owner’s goals. ACE National is proud to recognize John Jacquat and his company, Pure Risk Solutions, as one of our top-ranked premier industry providers. John has consistently mastered achievement in leadership, creating the best product for a client’s needs and following through on his word. I can recommend Mr. Jacquat without reserve if you’re in the market for club insurance.” Angelina SpencerExecutive Director of ACE National “Pure Risk Solutions has taken the time to provide me not only with accurate information but has gone the extra mile to help me set my insurance needs beyond my expectations. Their service and prompt responses have been extremely professional and knowledgeable. In a few words, I’m really impressed. Thank you.” Philip HimankaErie, CO “Everyone at Pure Risk has gone above and beyond to help my family and I get insurance coverage. I have and will continue, to refer my friends and family to them because they are quick, caring and knowledgeable. Thanks, Pure Risk!” Haley D.Erie, CO Pure Risk Advisors Client Portal Manage your account with us quickly and easily! Report Claim Request Policy Change Request Auto ID Card Policy Review Request Certificate Insurance Quote RequestAs an independent agency, we offer multiple options at competitive prices. About Pure Risk AdvisorsPure Risk Advisors is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.Privacy Policy | Website AccessibilityConnect With Us Personal InsuranceHome InsuranceAuto InsuranceCondo InsuranceRenters InsuranceFlood InsuranceSee AllBusiness InsuranceRestaurant InsuranceBrewery InsuranceContractor InsuranceBusiness Owners InsuranceNightclub and Bar InsuranceSee AllEmployee BenefitsGroup Health InsuranceGroup Dental InsuranceGroup Vision Insurance401(k)Disability InsuranceSee All © 2022 Pure Risk Advisors. All rights reserved.Powered by Forge3 ActiveAgency. Close MenuAboutMeet Our TeamJoin Our TeamAmazing FeedbackWe Are IndependentPersonal InsuranceHome InsuranceAuto InsuranceCondo InsuranceRenters InsuranceFlood InsuranceMore Personal InsuranceBusiness InsuranceBusiness Owners InsuranceLiquor Store InsuranceNightclub and Bar InsuranceRestaurant InsuranceBrewery InsuranceContractor InsuranceMore Business InsuranceEmployee BenefitsGroup Health InsuranceGroup Dental InsuranceGroup Vision Insurance401(k)Disability InsuranceMore Employee BenefitsContactErie, COBoulder, COBuena Vista, CODenver, COFort Collins, COLongmont, COGet a QuoteClient [email protected] 303-834-1001Erie, CO Insurance500 Briggs Street, Ste 200Erie, CO 80516Also, providing insurance solutions in Boulder, Buena Vista, Denver, Fort Collins, Longmont and throughout Colorado..nectar-google-map[data-nectar-marker-color="accent-color"] .animated-dot .middle-dot,.nectar-google-map[data-nectar-marker-color="accent-color"] .animated-dot div[class*="signal"]{background-color:#840116;}Visit Pure Risk Advisors on TwitterVisit Pure Risk Advisors on FacebookVisit Pure Risk Advisors on LinkedinVisit Pure Risk Advisors on Instagram View Power Panels/* ActiveAgency Style Compiler */.clickable-coverage.wrapper .home_marker_1 { left: 59%; bottom: 66%; } .clickable-coverage.wrapper .home_marker_2 { left: 44%; bottom: 64%; } .clickable-coverage.wrapper .home_marker_3 { left: 97%; bottom: 51%; } .clickable-coverage.wrapper .home_marker_4 { left: 41%; bottom: 52%; } .clickable-coverage.wrapper .home_marker_5 { left: 37%; bottom: 32%; } .clickable-coverage.wrapper .home_marker_6 { left: 45%; bottom: 45%; } .clickable-coverage.wrapper .home_marker_7 { left: 28%; bottom: 40%; } .clickable-coverage.wrapper .home_marker_8 { left: 71%; bottom: 66%; } .clickable-coverage.wrapper .home_marker_9 { left: 10%; bottom: 50%; } .clickable-coverage.wrapper .home_marker_10 { left: 85%; bottom: 85%; } .clickable-coverage.wrapper .home_marker_11 { left: 10%; bottom: 75%; } .clickable-coverage.wrapper .home_marker_12 { left: 70%; bottom: 51%; } .clickable-coverage.wrapper .home_marker_13 { left: 58%; bottom: 52%; } .clickable-coverage.wrapper .home_marker_14 { left: 82%; bottom: 32%; } .clickable-coverage.wrapper .home_marker_15 { left: 97%; bottom: 35%; }.nectar-google-map[data-nectar-marker-color="accent-color"] .animated-dot .middle-dot, .nectar-google-map[data-nectar-marker-color="accent-color"] .animated-dot div[class*="signal"] { background-color: #840116; }