3R Insurance Agency

Lessor's Risk Only (LRO) Insurance is a type of liability coverage that protects a building owner from risks that may arise due to damage, injury, or lawsuits on a property leased to a tenant. It is designed for owners of leased commercial properties, such as retail complexes, warehouses, apartment buildings, and the like. LRO can help you avoid legal costs and damages if someone gets injured or sues you on your premises. You may need LRO Insurance to safeguard your investment if you own more than 25% of leasable space within a building in Colorado or Denver. Learn more below!

Famed for its diverse topography that spans arid desert, river canyons, and the snow-dusted peaks of the Rocky Mountains, Colorado is home to a vibrant selection of landscaping and lawncare companies. As a landscaper in the Centennial State, you play an integral role in preserving the picturesque charm of residential neighborhoods, public parks, and commercial venues. However, the very diversity that makes your job so unique also introduces an assortment of risks—ranging from property damage inflicted by erratic weather to workplace injuries. This is where landscaping insurance enters the picture. It serves as a cushion, safeguarding your business from financial setbacks. But more than that, the right coverage affords the peace of mind that comes from knowing you're equipped to weather any storm that might roll your way. Learn more below!

In the realm of medical offices, the safety and well-being of employees are paramount. Workers Comp Insurance, also known as Workers' Compensation Insurance, serves as a safety net for employees who might suffer from work-related injuries or illnesses. This insurance is not only a legal requirement in most states but also a crucial aspect of maintaining a healthy and secure working environment. In this guide, we will delve into the intricacies of Workers Comp Insurance for medical offices, exploring its importance, coverage, cost factors, and how to choose the right policy. Learn more below!

Lessor's Risk Only (LRO) Insurance is a type of liability coverage that protects a building owner from risks that may arise due to damage, injury, or lawsuits on a property leased to a tenant. It is designed for owners of leased commercial properties, such as retail complexes, warehouses, apartment buildings, and the like. LRO can help you avoid legal costs and damages if someone gets injured or sues you on your premises. You may need LRO Insurance to safeguard your investment if you own more than 25% of leasable space within a building in Colorado or Denver. Learn more below!

A building is considered vacant when less than a third of its space is used for a long time. This can happen for different reasons, such as unsafe conditions that require repairs or upgrades, a health crisis (like the COVID-19 pandemic) that forces workers to stay away from the building or work elsewhere, or a change in ownership or function of the building that makes it empty until it is prepared for its new role or new people. In Colorado, vacant building insurance is important to consider if you own a commercial or residential building that has been empty and unoccupied for longer than 30 days. Vacant buildings are at higher risk of property damage due to burglaries, vandalism and natural disasters. Learn more below!

If you live in Colorado, it's crucial to understand the importance of flood insurance. Colorado is no stranger to the risk of flooding, and taking the necessary precautions to protect your property is essential. In this article, we will explore the risk of flooding in Colorado, why flood insurance is essential for residents, and how to choose the best coverage for your needs. Understanding the Importance of Flood Insurance in Colorado Colorado is known for its beautiful landscapes, but it's also prone to flooding. With its unique geography and varying weather patterns, the state experiences both flash floods and riverine flooding. The risk of flooding can vary depending on your location, but no area is completely immune. Learn more below!

Lessor's Risk Only (LRO) Insurance is a type of liability coverage that protects a building owner from risks that may arise due to damage, injury, or lawsuits on a property leased to a tenant. It is designed for owners of leased commercial properties, such as retail complexes, warehouses, apartment buildings, and the like. LRO can help you avoid legal costs and damages if someone gets injured or sues you on your premises. You may need LRO Insurance to safeguard your investment if you own more than 25% of leasable space within a building in Colorado or Denver. Learn more below!

Property managers in Colorado face risks that can create financial and legal liabilities. Some of these risks include: Vacancy Risk: This is the risk that a management company may lose rent from tenants who are unable or unwilling to pay. Liability Risk: Property management companies can be held liable for the actions of their employees, tenants, and contractors on their property. Reputational Risk: Property managers are responsible for maintaining a good reputation in the community and among landlords and tenants. This can be difficult to achieve when dealing with tenant issues or litigation. These risks can be minimized by purchasing a comprehensive insurance policy that covers the property manager for any liabilities that may arise. Learn more below!

In the rapidly evolving world of beauty and skincare, estheticians are at the forefront, providing specialized services that help clients look and feel their best. However, as with any profession, there are risks involved. That's where Colorado esthetician insurance comes in. This comprehensive guide will provide you with all the information you need to understand and navigate the world of esthetician insurance in Colorado. Learn more below!

As a professional service provider in Colorado, you understand the importance of delivering high-quality work to your clients. However, even the most diligent professionals can make mistakes that can harm their reputation and finances. This is where professional liability insurance, also known as errors and omissions insurance, comes into play. Learn more below!