“Licensed, Bonded, Insured” – Understanding Those Contractor Claims to Fame

Posted in Consumer Education | No Comments

You’ve seen it in Yellow Page ads and on the side of work vans. As an individual, what does a “licensed, bonded, and insured” contractor mean to you?
Licensed
Doing business with a licensed contractor is prudent for several reasons. First, the license proves that the contractor must have exhibited a degree …

Graduates

Posted in Consumer Education | No Comments

Congratulations if you have a graduating son and daughter! It has been a long road of learning for both you and your child. Now is an excellent time re-evaluate your insurance needs as your son or daughter leaves your home for college or takes the big step for establishing themselves …

Common Insurance Questions

Posted in Consumer Education | No Comments

What did my premium go up when I haven’t had any claims?
Premiums may have gone up for all insureds in your class. Insurance involves a lot of people sharing the losses of a few people. When, overall, losses go up, your share (in the form of your insurance premium) …

Farm & Ranch Insurance

Posted in Resources | No Comments

Hallam & Associates Insurance Agency has a strong background of experience in offering protection to Farm and Ranch owners throughout Colorado. Underwriting farms is our expertise. Our agents have no less than 10 years experience in the AG insurance industry. And most of our AG agents have been with Hallam …

Important tips you should know

Posted in Resources | No Comments

C.L.U.E. C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy. It typically contains up to five years of personal auto or personal property claims history.
You can order a …