Recent Posts

  1. September is Life Insurance Awareness Month

    by Cameron Bramwell

    Many of us fall short in reviewing our insurance policies the way we should.  It is very important to review all insurance policies, but life insurance may be the most important.  According to the 2015 Insurance Barometer Study by Life Happens and LIMRA, more than 40% of Americans have no life insurance.  This study also […]

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  2. Real-World Case Study: The Risk of Teen Driving

    by Cameron Bramwell

    Real-World Case Study: The Risk of Teen Driving Emily, a 17-year-old, decided to treat her best friend, Taylor, to a movie to celebrate finishing their finals. They were running late and didn’t want to miss the show, so Emily sped down the highway. She lost control going around a notorious turn and crashed into a […]

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  3. Colorado Wage Payment Requirements

    by Cameron Bramwell

    Several federal laws regulate wage payments, including the Fair Labor Standards Act (FLSA), the Davis-Bacon Act and the Service Contract Act. Colorado law also imposes state wage payment requirements. When federal and state laws are different, the law that is more favorable to the employee will apply. The Colorado Department of Labor and Employment (CDLE) […]

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  4. Colorado Overtime Wage Laws

    by Cameron Bramwell

    Federal overtime wage payment requirements are governed by the Fair Labor Standards Act (FLSA). In Colorado, these requirements are governed by the Colorado Wage Act (CWA). Under both laws, employees must receive one and one-half times their regular wage rate for all hours worked in excess of 40 hours in a workweek. The Colorado Department […]

  5. Reporting Workers’ Compensation Claims

    by Cameron Bramwell

    Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of your company’s geographical location, the first two days after an employee gets injured on the job are always the most […]

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  6. Employees Can Be Fired for Off-Duty Marijuana Use

    by Cameron Bramwell

    A medical marijuana card is not a defense against an employer’s anti-drug policy, according to a ruling from the Colorado Supreme Court. The case involved Brandon Coats, a quadriplegic man who used medical marijuana to treat muscle spasms while off duty from his job at Dish Network. When he violated the company’s drug policy by […]

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  7. Assessing Your Home for Hail Damage

    by Cameron Bramwell

    Many summer storms are capable of producing hail, which can damage your home. Depending on the materials used to construct the different areas of your home, damage may not always be clearly visible. Roofs on residential homes can be produced with a variety of different materials. After a hailstorm, inspect your roof as much as […]

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  8. Should you File a Claim for a Fender Bender?

    by Cameron Bramwell

    Category: EducationInsurance

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    It can be tempting to file an auto insurance claim when you’re involved in any type of accident. However, for smaller accidents that only do minor damage to vehicles, sometimes it may make sense to forego filing a claim. By working out a deal with the other involved party, you can prevent insurance rates from […]

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  9. Health Benefits of Sunlight Exposure

    by Cameron Bramwell

    Most people are familiar with the risks of unprotected sun exposure, such as sunburn, wrinkles, freckles, eye damage and skin cancer. However, although overexposure to the sun is bad for your health, getting enough exposure to sunlight is necessary and beneficial. Adequate time in the sun gives you several benefits: A boost in serotonin, a […]

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  10. Insuring Your College Student

    by Cameron Bramwell

    Protecting Your Student’s Belongings It is crucial that you contact JJ Insurance, Inc. about the rules and limitations of your coverage when it comes to your son or daughter’s dorm room. Many homeowners policies consider a dorm room as an extension of your home, so items your child keeps there may be covered to some […]

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