It doesn’t take much for your property, your assets and your family to be put at risk. That’s why it’s important to get the best professional advice on protecting them. At Manor Insurance Agency, we help clients throughout the region and the United States manage and guard their property and assets.
Our personal lines insurance options are designed to address a wide array of needs. We offer a full spectrum of protection. We offer homeowners insurance and auto insurance that cover both property and liability concerns. Plus, we provide protection for renters, condominium owners, and mobile homes. We’ll also help you insure your motorcycle, RV, boat and other watercraft.
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There are numerous ways to structure an auto insurance policy. Some states have minimum liability requirements. Manor Insurance is familiar with all mandates in the states we serve.
Liability: Following state guidelines may seem like a safe bet, but in reality those minimums are rarely sufficient to protect you from a serious accident. Your liability for damage could greatly exceed the minimum coverage if you cause a multi-car accident, and your responsibility for injuries could be astronomical if you permanently injure or, worse, kill someone. You will greatly benefit from professional advice when it comes to the liability and medical payments portions of your auto insurance policy.
Comprehensive: It’s not only collisions that cause damage to vehicles. Flying debris, animals and floods are among the non-collision exposures that should be covered by insurance. “Comprehensive coverage,” or “other than collision coverage,” is needed if you want your vehicle protected against such damage. Typically, this provision will take care of windshields, also, but we will make sure.
SR-22: Are you requiring an SR-22? At Manor Insurance we represent multiple companies that are happy to provide you with this necessary document. We can issue the SR-22 same day, so please let us help you out. At Manor Insurance Agency, we've got you covered!
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It’s an exciting time when buying your first home, expanding to a larger house as the family grows, or downsizing as the children leave the nest. Whenever you purchase a home, you want to make sure you’re properly insuring your property and personal contents and protecting against liability in the event of an injury or accident on the premises.
Manor Insurance Agency has been servicing Colorado homeowners since 1947. We proudly work to provide the best coverage available for your home. Please take a moment to review some of relevant facts we have compiled during our many years in business to help you with your insurance program:
What Affects Homeowner’s Insurance Premiums Most?
1. The CONSTRUCTION value of the home, NOT the retail sales value.
2. Your CREDIT score.
3. AGE and UPDATES of the home.
4. Distance to FIRE HYDRANTS.
5. Your CLAIMS history.
Good Strategies for Lowering Homeowner’s Insurance Premiums
1. Use a reputable insurance BROKER.
2. Work with a financially stable insurance company rated A or better by A.M.
Best with superior claims service.
3. PACKAGE your home, auto and umbrella with one company. Most insurance companies offer a 10% auto discount and 15% homeowner’s discount.
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Part of our service philosophy at Manor Insurance Agency is to get to know our clients well. By making that extra effort, we oftentimes discover particular needs that can get overlooked. Your lifestyle, family or wealth may indicate a need for personal umbrella insurance, which can extend the limits of your insurance coverage—regarding value and/or exposures. We’ll also take a look at federal flood maps to determine your risk for damage from flood. If you have vulnerabilities there, we’ll show you your options for flood insurance.
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Going Beyond the Limits (Personal Umbrella)
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Recently a study came out saying that we have moved from a “knowledge world” into a “social world.” At Manor Insurance Agency, we don’t think the two have to be mutually exclusive. Our personable advisors are also experts in their field. They know different industry niches well and spend the time to help clients find insurance coverage that is tailored to the specific needs your business faces.
We offer all the standard commercial property insurance along with general liability insurance and professional liability insurance by industrial sector. But we also take the step beyond, looking at your company’s exposures and finding endorsements to your policy that cover those exposures that are unique to your sector, your location, your future plans, your personnel and your operations.
General liability
Running a business means exposing yourself to allegations that you or the business is responsible for an injury to someone or damage to their property. If you are found liable, you could have to compensate the party that was harmed. And even if you are found innocent, you could have to pay legal defense bills.
A commercial general liability policy from Manor Insurance Agency can help. It insures your company for many basic risks and will provide coverage for legal defense costs if those arise. Generally, it covers the costs of property damage, including rental property damage, for which you are found legally liable, as well as financial settlements or awards for bodily injury to persons. Medical payments for bodily injury to non-employees resulting from your business operations are also insured. These business liability policies will also cover allegations of slander and libel that don’t arise out of “professional services” provided by your company.
Business Owners Package
Not every business faces enormously complex loss exposures. In fact, many businesses within an industry confront similar hazards and share similar needs for protection. At Manor Insurance Agency, we provide business owners policies (BOP) for different industry sectors that address the shared needs of companies in those segments.
A business owners’ policy provides solid commercial property and liability insurance in one bundled contract. It can save money and mak
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Manor Insurance Agency partners with the best insurers in the nation and in the world, so we can meet the needs of local businesses as well as global product and service providers. We can cover your property and protect your assets from the cost of claims, and we have products that will keep you in business even after the worst disasters.
Our business interruption insurance is available with extra expense coverage, supply chain enhancements, and coverage for contingencies such as utility failures, loss of access, and more. Our equipment breakdown insurance is customizable to your types of equipment and can provide additional services for maintenance and regulatory certification.
We offer a full line of liability insurance for business auto, professional errors and omissions or malpractice, product liability, crime, cyber liability and pollution liability. Our directors and officers liability, fiduciary liability and employment practices liability are valuable for organizations of all sizes.
A Manor Insurance Agency program can protect your property and products on your premises, in storage and in transit. Our inland marine insurance can be written to cover very expensive mobile equipment, high-value art, valuable papers, money and securities, and a wide range of other valuables, no matter where they are kept or taken, even abroad. For those that ship goods, our ocean cargo policies are broad with protection offered at every stage of the journey. And we have international products for your people, as well—from kidnap and ransom to international travel accident and health.
Commercial Auto
While there are certain companies that have no business auto liability or property concerns, they are rare. Many organizations have employees run errands, go to required offsite conferences or other events, or travel on business. Even using a rental car while on a business trip can expose the company to expensive losses if there’s an accident. Manor Insurance Agency offers non-owned auto insurance for commercial vehicles that can cover multiple liability concerns. We also can provide medical payments coverage, personal injury protection and excess liability insurance to extend your protection.
If you offer a company car or allow work trucks to be taken home, you’ll have to decide how to insure against the possibility that an employee’s family member might use the vehicle. If you are counting on the personal auto insurance of your employees, we’d better talk about that. While it’s true that a personal auto policyTo get a Free Quote Please click here:
Commercial Endorsements and Auto
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Not only do our professionals at Manor Insurance help with property and liability insurance, we also care about protecting you and your family against the financial hardships associated with disability and death. We offer a sensitive and sensible approach to planning for life’s most delicate, and potentially devastating, issues. Our disability insurance and life insurance policies can make the difference between a smooth financial transition and financial calamity after a life-changing event. No family is too small or too young to begin the good work of protection. With help from Manor Insurance Agency, you will find the process easy and the results worthwhile.
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