450 S. Camino del Rio Suite 209Durango, CO 81301
Office HoursM-R: 8:30am–4:30pm F: 8:30am-4:00pm

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Please contact us if you need assistance putting together a bid bond request, saving money on your homeowner's insurance, or finding the right solution with regard to your business's insurance needs.

Frequently Asked Questions

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Where you keep your car directly affects your chances of having an accident or becoming a victim of theft or vandalism. The likelihood of encountering these problems increases in larger, more densely populated cities, while such incidents remain relatively low in rural areas.

Additionally, the time and efficiency of police response and law enforcement, local road and traffic conditions, and the quality of local medical services can affect regional insurance rates. Some insurers even factor in the litigation rates in a given area (how many lawsuits are filed, go to trial, out of court settlements, and their amounts).

Exclusions listed and defined in your policy might include neglect, intentional loss, “earth movement,” general power failure, and even damage caused by war. If you fail to take care of your property (e.g., a leaky roof), you might not be covered. Obviously, if you intend to lose an object or damage your property, there’s no coverage.

One other exclusion which can be costly is the Ordinance or Law exclusion. Building codes established by governmental bodies that drive up the cost of rebuilding or repairing after a loss occurs might not be covered by your insurance policy. Thus, if you discover when replacing damaged property that current law demands higher grade or more expensive materials than those you’re replacing, the new materials might not be covered fully.

There is a page on each policy called policy forms and endorsements that list all the forms used on the policy, give general description of the form, etc. Any alarm you please contact us, and we can give you advise,

It can. Many small businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).

Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. If you are a larger company contractor, then a policy has to be made to fit your needs and there is no other agency better at doing that than Schield. We can help you decide which policy or policies are right for your business. You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy. Contractors have a wide amount of exclusions that you could have on your policy and not know.

A credit score is a snapshot of your credit at one point in time. Credit-based insurance scores were introduced in the early 1990s and use certain elements of a person's credit history to predict how likely consumer is to have an insurance loss, as research shows there is a correlation between credit characteristics (credit-based insurance scores) and insurance losses. According to FICO, a major company that generates credit-based insurance scores, approximately 95% of auto insurers and 85% of homeowners insurers use credit-based insurance scores in states where it is a legally allowed underwriting or risk classification factor. Running your insurance score does not affect your credit it doesn’t show as an inquiry, Colorado is a state like most the have approved insurance scoring to determine pricing of a policy, by not providing your SS# your agent will not be able to obtain the best accurate premium for you, in most cases you will be rated the highest meaning your rates will be the highest.

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