Companies offering a variety of personal, business, and industrial insurance policies in Colorado.



A-Z Business Listings :



 
  • 4 Colorado Health Insurance

    Use our simple, fast and easy 4 Colorado Health Insurance quoting system. Compare rates and benefit sand apply online. Same low rates as if you applied direct with a Colorado health insurance carrier.

  • Allstate Insurance Company

    Offers insurance for autos, homes, property, life, mortgage protection, and business. Calculators and tools, an agent locator, access to Allstate forms, and safety tips.

  • ColoHealth

    At ColoHealth, we have over 300 Colorado health insurance plan options for our clients. Companies we represent in Colorado include Anthem Blue Cross Blue Shield, Humana, Golden Rule, Unicare, UnitedHealthcare, World, and others. Our objective is to help you find the best coverage, with financially strong companies, at the lowest available premium.

  • Colorado Casualty

    Anthem Insurance Companies, Inc., offers health insurance and other benefits options to employers and individuals.

  • Colorado Bankers Life

    Company specializes in voluntary benefits through payroll deduction, federal and military allotments, state and local government payroll systems, and individual bank draft billing. Site provides product, financial, and affiliated company information.

  • Colorado Casualty

    Operating in the states of Arizona, Colorado, New Mexico, Nevada, Utah, and Wyoming, Colorado Casualty™ is a regional insurance company that works exclusively with independent insurance agents to offer you business insurance products and services. Whether you’re interested in property insurance, general liability insurance, commercial auto insurance, or workers compensation, contact an independent insurance agent today to get a business insurance quote on any of Colorado Casualty’s business insurance products.

  • Colorado Division of Insurance

    The Colorado Division of Insurance regulates the insurance industry and assists consumers and other stakeholders with insurance issues. Consumer protection is our mission.

  • Colorado Farm Bureau Mutual Insurance Company

    Offers home, auto, and farm insurance, as well as insurance packages such as "total country package" and "country squire".

  • Colorado West Insurance

    Colorado West Insurance is an independent insurance firm dedicated to providing our clients with quality insurance counseling and placement. All agency staff members and agents are required to hold current insurance licenses. This provides an extra measure of security for our clients. We are committed to ongoing education, too. Several of our agents have their CIC (Certified Insurance Counselor) designations and many others are working on theirs.

  • Delta Dental Insurance

    Delta Dental has been helping people take control of their oral health for over 50 years. Since the beginning, we've led the industry in designing innovative dental coverage programs that keep costs down and deliver quality care. Our diverse client list includes everyone from Fortune 100 companies to public agencies to individuals and families.

  • Delta Dental Plan Of Colorado

    Provider of group dental benefits coverage, highlighting available products and benefits, claim forms, and bulletin boards for patients, dentists, employers, and brokers.

  • Farmers Insurance Group

    Farmers Insurance Group of Companies is the country's third-largest insurer of both private Personal Lines passenger automobile and homeowners insurance, and also provides a wide range of other insurance and financial services products. Farmers operates primarily in 41 states across the country through the efforts of approximately 20,000 employees. Farmers exclusive and independent agents, along with Farmers employees, are responsible for servicing more than 15 million customers.

  • Federated Insurance

    Specializes in business insurance, including group health, commercial property and casualty, employee life and disability coverage. Operates in 48 states and the District of Columbia. Headquarters in Owatonna.

  • GoldenRule.com

    As a health insurance industry leader, UnitedHealthcare's Golden Rule has been an innovator of quality, health insurance products for individuals and families for more than 60 years. In 2003, Golden Rule became a UnitedHealthcare company, a proud member of the UnitedHealth Group family. Today, under the UnitedHealthOne brand, Golden Rule and its affiliated companies offer health plans to individuals and families who buy their own coverage in 40 states and the District of Columbia.

  • Great-West Life & Annuity Insurance Company

    Great-West Life & Annuity Insurance Company serves millions of Americans through a range of group retirement savings products and services, individual life insurance and annuities, and business-owned life insurance products.

  • The Markel Insurance Company

    Offers equine insurance throughout the United States. Site offers applications, information, and claim support.

  • Nationwide Mutual Insurance Company

    Nationwide Mutual Insurance Company & Affiliated Companies is a group of large U.S. insurance and financial services companies based in Columbus, Ohio. The company also operates regional headquarters in Des Moines, Iowa and San Antonio, Texas.

  • North American Title Group

    Features company history and stock information, services, employment opportunities. Office locations across the United States.

  • Pinnacol Assurance

    Pinnacol was established as the assured source of workers' comp coverage for Colorado companies, regardless of their size or risk — a role we continue to fill today. Over the years, we've grown from industry pioneer to Colorado's choice for workers' compensation. Today, 58,000 customers across Colorado have made Pinnacol their carrier of choice.

  • SAFECO Corporation

    Underwrites property and casualty, life and health insurance. Broker dealer for affiliated and nonaffiliated mutual funds, variable insurance products and qualified and nonqualified annuity products.

  • State Farm Insurance

    State Farm Insurance is a group of insurance and financial services companies. It is the largest automobile insurer in the United States continuously since 1942 and insures more cars and homes in the United States than any other insurer.

  • Western Mutual Insurance Group

    Direct home insurance for preferred homeowners in California, Colorado, Nevada, New Mexico and Utah by the Western Mutual Insurance Group (Western Mutual). Now offering Instant Homeowners Quotes with easy online purchase options for preferred homeowners in Arizona, California, Colorado, Nevada, New Mexico and Utah.



 
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Insurance :



 

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a large, possibly devastating loss. The insured receives a contract called the insurance policy which details the conditions and circumstances under which the insured will be compensated.

Insurance involves pooling funds from many insured entities (known as exposures) in order to pay for relatively uncommon but severely devastating losses which can occur to these entities. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring. In order to be insurable, the risk insured against must meet certain characteristics in order to be an insurable risk. Insurance is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses.

Global insurance premiums grew by 3.4% in 2008 to reach $4.3 trillion. For the first time in the past three decades, premium income declined in inflation-adjusted terms, with non-life premiums falling by 0.8% and life premiums falling by 3.5%. The insurance industry is exposed to the global economic downturn on the assets side by the decline in returns on investments and on the liabilities side by a rise in claims. So far the extent of losses on both sides has been limited although investment returns fell sharply following the bankruptcy of Lehman Brothers and bailout of AIG in September 2008. The financial crisis has shown that the insurance sector is sufficiently capitalised. The vast majority of insurance companies had enough capital to absorb losses and only a small number turned to government for support.

Advanced economies account for the bulk of global insurance. With premium income of $1,753bn, Europe was the most important region in 2008, followed by North America $1,346bn and Asia $933bn. The top four countries generated more than a half of premiums. The US and Japan alone accounted for 40% of world insurance, much higher than their 7% share of the global population. Emerging markets accounted for over 85% of the world’s population but generated only around 10% of premiums. Their markets are however growing at a quicker pace.


 




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