Madison Insurance Group

Madison Insurance Group

Madion Insurance Group is a Colorado based independent insurance agency serving Colorado and the Denver metro area.

Madison Insurance Group specializes in providing comprehensive insurance plans with competitive pricing to Colorado and Denver businesses. We believe that the people and businesses of Colorado are unique. We are here to serve these special people and this special place by striving to create long term meaningful relationships with our clients. We have been a Denver based insurance agency through the good times and bad. We understand the "where's and how's" of Colorado companies from the Denver small business owner to larger multi-state Colorado based business. Please take a look at the services we provide and let us answer any question you may have. Mission Statement - Madison Insurance Group’s mission is to provide outstanding service and superior coverage to each and every one of our clients. We assist our customers identify their individual insurance needs in order to develop the most comprehensive and cost effective solution. We work as a team to develop exceptional programs for our valued customers built on a foundation of honesty, integrity and trust.

7 Essential Tips for Working From Home During the Coronavirus Pandemic

As we know, a lot of people are working from home right now. This is totally new territory for a good number of people as well, including us so here are some tips that just may be helpful. We are all being barraged right now with "how to" this and "how to" that, so we try to hold onto and focus on ideas and self help articles that just may help us as well as others. Let's all strive to stay healthy, safe and positive. Advice for first-time remote workers.

These Common Household Products Can Destroy the Novel Coronavirus

There is so much information coming out about the coronavirus and we know this. We try to review what we can especially information that may be of help. We found this article very informative regarding some products to help disinfect at home. We hope it helps. Concerned that stores will sell out of disinfectant products?Consumer Reports shows you the common household products that can destroy the novel coronavirus.

[03/18/20]   Madison Insurance Group, LLC is open for business!
In response to the coronavirus, Madison Insurance Group, LLC continues to operate and remain open for business for our customers and anyone else who may wish to contact us to discuss their insurance needs. We have implemented our remote work-procedures so all employees are now working out of their home in their home office set up.

The well-being of our employees and their families are of the utmost importance to us here at Madison Insurance Group, LLC. We will monitor guidance and updates from public health agencies, governments, industry groups, and other experts in order to continue to develop on going and changing preparedness strategies.

Events remain fluid and our strategy remains the same: do everything we can to service and take care of our customers. Be well and be safe.

Just another example of an unlucky driver sitting at a red light who was rearended by another vehicle that didn't even slow down. Good chance this other driver was texting at the time of the accident. We are talking distracted driving and the increase in accidents everywhere because of it!

A horse is a horse of course of course..I wonder how it got in here? We hope the owner had physical damage coverage on this car!

FDA Warning Letters Highlight CBD Industry’s Wild West Attitude

Interesting news from the FDA about CBD. We found this article very informative. CBD seems to be everywhere these days because it is in so many products. We specialize in insuring CBD and Cannibis companies so this is why we are always interested in articles like this which helps keep us abreat of the industries. The FDA issued 15 warning letters to cannabis companies and released a revised Consumer Update detailing its new safety concerns about CBD products, in particular the safety of CBD in food.

Simple Furnace Fixes

This helped me out for sure! Tyically when something goes awry, I get out my hammer and duck tape so this is good information. Check it out and see what you think! If your furnace stops working this winter, try these eight simple solutions before you call for service. If your furnace quits or breaks down try these eight simple solutions before you call for service help. You can solve the furnace problems and avoid a $200 service call.

The Awkward but Essential Art of Office Chitchat

Well, here is an article (and this has nothing to do with insurance, I might add) I absolutely love! Who would have guessed it - that small talk and chit chat in the office, may just be mentally healthy in certain doses. I chose some of my favorite lines from this article as follows:
"People hire people they want to work with, not necessarily who’s perfect for the job."
"Remember: You’re More Likable Than You Think."
"Point is, you’re more likable than you think you are, so try not to judge yourself so harshly."
"I'll leave you with a warning: There are very few ways to have successful small talk in the office bathroom. It should go without saying that attempting to chat with someone while they’re in the bathroom stall is totally off-limits."
LOVE IT! We regret to inform you that you need to make small talk with your co-workers. Here’s how to master it.

Here's why you don't plug space heaters into power strips

I think a lot of us have and use space heaters and I think many people would plug then into anything if they could! I saw someone try and plug one into a laptop computer one time - think about that! Here is a good reason NOT to plug them into power strips. This is just good information because I am guessing the last thing anyone would want to experience is a house fire so we present tips here and there that may just help you avoid one. If you have space you need to heat, avoid that plug-in to the power strip. A fire department is warning the public about the dangers of plugging a space heater into a power strip.

Insurance 101 - Personal Auto Coverages

We've had some of our personal auto insurance buyers tell us they learned more basic and helpful information about their Auto Insurance Policy in this short video than from a one our webinar or class! Check it out and make sure you have a high enough limit on your Auto Liability Insurance. We are finding more and more people are purchasing LOW limits to save some premium dollars and this just should not be done.

Auto insurance can be confusing! Briefly learn about the four basic coverages included in a standard personal auto policy. For more on Personal Auto Insuranc...

We get a lot of questions from business owners about whether their company needs Worker's Compensation Insurance and many seem to make an assumption they do not, so here is the lowdown from the Colorado Division of Worker's Compensation Enforcement Unit:

Important Facts About Workers’ Compensation Coverage
• Any employer with one or more employees must have workers’ compensation insurance
• Part-time employees must be covered by workers’ compensation insurance
• Family members must be covered by workers’ compensation insurance
• Employees who do not receive benefits must be covered by workers’ compensation insurance
• A worker given an IRS form 1099 may still be considered an employee under the Workers’ Compensation Act
• Unemployment insurance taxes are not the same as workers’ compensation insurance
• Corporations or LLCs who solely employ owners must still either carry a workers’ compensation policy or effectively reject coverage with the Division to be in compliance.
Risks of Not Having Coverage

There are significant risks in not carrying workers’ compensation insurance. Fines can reach up to $500 per day and there is no limit to the total amount of fines. Non-insured businesses may also be ordered to cease operations. Finally, employers without coverage may have to cover all medical bills, lost wages, and permanent disability if their employee sustains a non-insured injury.

Keep the above in mind if you are a business owner and hire even one employee, whether part time or full time!

E-scooter riders lack awareness of rider liability, survey says | PropertyCasualty360

Scooters, scooters, and more scooters I am seeing around town. People are jumping on them to get to where they want to go, but I don't think many are thinking about liability if involved in any type of mishap. Note that auto, homeowners and renters insurance policies DO NOT provide this coverage as confirmed in this article; and the scooter company sure is not going to provide you with any coverage. It is safe to say you are on your own, so be careful out there if you are renting scooters and even so, check into buying liability insurance to cover yourself by checking with an independent insurance agent like us. Accidents happen and even more so now with so many people talkiing on their phone and texting while they are driving. It is "driver beware" out there and watch out for the other guy or gal! According to a survey by VOOM, 53% of e-scooter riders have never thought about purchasing insurance coverage despite safety concerns.

Protect Yourself From Hidden Fees

Please read this story about all of these fees and especially hidden fees many of us are paying. I think a lot of people just do not pay attention to all of the outrageous fees that are out there right now. They can make a serious dent in your pocket. Many times, all you have to do is call or email the company making the charge and there is a good chance you will get it deleted or waived. Get a little aggressive here and pay attention and don't keep paying so many of these ridiculous fees! I am always looking for them and so many times they are buried in the fine print or hidden another way. I always ask the question, "What the fee is going on here?!" Consumer Reports shows you how to protect yourself from hidden fees, as cable TV and cell-phone providers, utilities, airlines, and more pile on more fees that result in higher bills for consumers.

Have you filed a claim under any of your insurance policies? If so, how has the insurance company handled it? Was it to your satisfaction? Proper claim handling involves prompt contact with you by the adjuster from the insurance company, conducting an adequate investigation to glean what occurred and then hopefully making a payment to you that will make you whole again for the loss sustained. This is when you really find out “what you are paying insurance for” with those constant premium payments. There are differences in insurance companies and insurance policies; vast differences.

If you find yourself waiting, and waiting to be contacted by an adjuster after filing the claim, you find out quickly something is wrong. After the initial contact, if they do not continue to stay in touch and respond, it makes the situation worse. Of course, if they do not pay the claim or do not pay what they should, it puts you in a terrible position. Make sure you reach out to your insurance agent if you have problems at any point of the claim process. Agents are there to intervene if necessary by contacting the adjuster for a status, checking coverage within a policy to make sure there is coverage for the claim as well as confirming enough has been paid. This is part of the service that should be provided and expected from your independent insurance agent. Remember, we are not the insurance company and do not provide your insurance. We are the company that sells insurance on behalf of the specific insurance companies we have contracts with and represent. This is why we are called “independent” because we are a locally owned business that represents multiple insurance companies and not just one. Don’t let yourself be like Skeleton Pete here, waiting around for the claim process to move along like it should.

Trees, trees, and more trees. Riding around Denver today, it was amazing to see the downed tree limbs everywhere due to the late spring snow storm last night. It made me think about who is liable for what. Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard, so if your neighbor’s tree falls in your yard, it is typically going to be your responsibility for the clean up as well as any damage caused, unless you can show there is liability on the part of the neighbor. Your homeowners insurance would typically help cover the cost of removing the tree and remedying the damage it caused after your deductible; but be aware there is not much coverage for the removal of a downed tree or tree limb.

The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor is going to be responsible for it.

If you see a storm coming like this, sometimes it just may help to talk to the trees as our buddy Clint is doing in this video.

Insurance 101 - What Determines the Cost of Homeowners Insurance?

Here is a pretty good video about Homeowner's Insurance. If you own a home and have a mortgage, the bank makes you buy this policy no matter what so you really should make sure you are getting the right coverage for a reasonable price. It is very important to insure that house of yours properly, because you do not want to be paying a ton out-of-pocket if you sustain that unexpected loss. I don't like paying for insurance as much as anyone else, but I know I need it and have to have it, so I might as well make sure I have something that is is a quality product. Remember, protection plus price equals value!

When it comes to homeowners insurance, the price of policies can vary greatly. Watch our video to learn more about what factors into the cost of your homeown...

Credit Score Myths: What Really Hurts You and What Doesn't

A lot of people seem to be concerned about their credit report and for good reason. It can effect your bottom line when it comes to finances in many ways, including the interest rate you will pay on a future mortage and other loans and how much your insurance premium will be for your Personal Insurance Policies. Yes, it really does effect the premiums you pay - big time! After reading this article, I now know what will end up being a blip on my report and what will not. This is very informative and a very good read so check it out! Consumer Reports debunks credit score myths and tells you the facts about what factors really affect your credit report.

HOME - Madison Insurance Group

POST OF THE WEEK - Renter's Insurance

As the last of the Millennial Generation, born from 1981 to 1996, is graduating college and joining the workforce, there is now substantial evidence of their impact on the economy. One area of the economy that this impact, or lack thereof, can be seen is in the housing market. Substantially fewer millennials (12.5%) are owning homes than their parents did at the same age (Nova, 2018). This could be because of multitude of reasons including an increase in the median age of marriage, growing student debt, or rising house prices. Whatever the cause may be, the reality is very clear: more millennials are choosing to rent and do so for longer than any generation we have seen previously.

If you are a renter, millennial or not, you are clearly not alone. This has become a cost-effective option in a booming economy. Renting does not mean that you have not worked hard for what you own or your livelihood. In fact, it may be even more important to protect your belongings and lifestyle as you save for a home. This protection comes in the form of Renter’s Insurance. Many times, this insurance is required by a landlord for the sake of protecting the property. However, this insurance is often the only buffer between you and moving back into mom’s basement if something were to happen.

Renters Insurance is made up of three basic parts: property, liability, and additional coverages. Property, often called Personal Property, covers your personal belongings. If your apartment were to burn down, how much would it cost to replace all your things? Many renters do not understand that, even if one of their roommate has insurance, this likely will not cover their belongings. Each renter must have their own policy that covers their own belongings. This property coverage also extends to your things while they are away from the home. If your laptop is stolen out of your car, your auto insurance will often defer to the renter’s insurance policy to cover the replacement. If you do not have renter’s insurance, you may not be covered for an incident like this.

Liability coverage covers instances where you are at fault. This may be because your dog bites a stranger on a walk or you start a fire that causes damage to the apartment complex itself. Where many renters find themselves in trouble is that their liability limits are not high enough. If you are liable for causing damage to your apartment complex or get into a lawsuit, minimum limits will likely run out much quicker than you might imagine. If limits run out in instances like these, your personal assets, future wages, and more might be at stake.

Finally, there are additional coverages that may or may not be included on your policy. Just because you have a Renter’s Insurance policy in place does not mean you are covered for everything. The most basic polices often exclude things like Sewer Backup, Loss of Use, and more. For example, if the toilet overflows while you are at work from a sewer backup and destroys some of your personal property, you may be paying for those damages out of pocket if it is excluded on your policy. Similarly, if something happens that forces you to move out of your apartment while damages are repaired, you may be paying for additional rent if Loss of Use is not included on your policy. Make sure these coverages are things you ask your agent what options are available to you. A renter’s policy often costs less than $30 per month and these additional coverages are often only a few dollars per month more than a base policy might cost.

If you have questions about your current policy or would be interested in obtaining renters coverage, feel free to reach out to us at Madison. We can also examine your auto, homeowners, umbrella, life and more. We work nationwide and I would be happy to speak with you in person or over the phone to see how we might be able to help you sleep better at night by protecting your belongings and your livelihood.

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600 S Cherry St, Ste 900
Denver, CO

General information

Madison Insurance Group provides the following for people and companies in Colorado and surrounding states: Workers Compensation, General Liability, Property Insurance, Home, Renters and Auto Insurance, Insurance for Rental Properties, Health Insurance, Group Insurance, Disability Income Insurance, Life Insurance, Cyber Liability Insurance, Data Breach Liability Insurance, Directors & Officers Insurance, Property & Casualty Insurance, and much more.

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00
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