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Centennial
Get In Touch With Us
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Address:
12150 East Briarwood Ave, Suite 120
Centennial, CO, 80112, United States -
Phone: 303-397-7830
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Fax: 303-706-0034
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Email: [email protected]
Office Hours:
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Mon-Fri: 8:00AM-5:00PM
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Sat: Closed/By Appointment Only
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Sun: Closed/By Appointment Only
About Centennial
Insurance in Centennial, CO
Inszone writes insurance in Centennial, CO from our office at 12150 East Briarwood Ave, Suite 120, working with households, employers and retirees across the south Denver metro. The office is just off I-25 at Dry Creek, a few minutes from the Dry Creek light rail station and the Denver Tech Center.
The office has been in this market since 2004, most recently as Kirsch Insurance Group, and before that under several other names in the south metro. What came with those agencies was an employee benefits and Medicare practice that is still the deepest part of this office — four of the people on the team here work in benefits, and Michael Kirsch is one of them.
As an independent agency we represent many carriers rather than one. When a renewal comes back higher than it should, or a carrier decides it no longer wants your risk, we have somewhere else to go. Hail is the dominant property peril in Colorado, and the state’s own market study found it accounts for a substantial share of homeowners premium, with wildfire risk layered on top in the foothills.
Personal Insurance in Centennial, CO
Personal lines run alongside the benefits practice here: homeowners, auto, renters, landlord and condo policies, personal umbrella liability, and specialty coverage for motorcycles, boats, RVs and collector vehicles; different types of insurance in Centennial for your needs.
Hail is the loss that drives Colorado premiums, so we spend real time on the wind and hail deductible — whether it is a flat dollar figure or a percentage of the dwelling limit — along with roof settlement schedules that reduce payment as a roof ages, and any cosmetic damage exclusion. Those terms decide what a claim pays long before the premium does.
Drivers comparing car insurance in Centennial should know that $5,000 of medical payments coverage and uninsured/underinsured motorist coverage are both included by default in this state unless you reject them in writing. We check whether a previous agent had them rejected before quoting anything else.
Auto quotes here also turn on how a carrier treats the I-25 commute, a teenage driver, or a second vehicle that barely moves. Those three details move a rate more than most people expect, so we quote across several carriers rather than renewing on autopilot.
We read your current declarations page before quoting, so the comparison is a real one rather than a cosmetic price difference.
Individual life insurance in Centennial is a bigger part of this office than it is at most agencies, because the benefits team here already works with individual coverage day to day. We can quote term and permanent options across several carriers and explain how the underwriting differs between them — the medical questions, the exam requirement, and what a rate class actually changes — so the decision rests on the structure rather than on one quote sheet.
Commercial & Benefits Insurance in Centennial, CO
Employee benefits is what this office is known for. We work with south metro employers on medical, dental and vision plans, high-deductible health plans paired with HSAs and HRAs, life and disability, and the annual renewal and enrollment cycle that comes with all of it. On the individual side we work with people approaching 65 on Medicare Advantage, Medicare Supplement and Part D options.
On the property and casualty side, our Centennial insurance office writes general liability, commercial property, business owner’s policies, commercial auto, workers’ compensation, cyber liability, employment practices liability and bonds.
Colorado requires workers’ compensation from the first employee, with penalties running up to $500 a day for going without, and we handle the class code and exemption questions that come with owner-operators and small crews. Professional services, healthcare, technology, contracting and retail are all lines we write regularly — the Dry Creek and Tech Center corridor skews toward office-based employers, which is part of why the benefits side of this office grew the way it did.
Inszone Insurance agency near me
Our Centennial insurance office is open Monday to Friday, 8:00am to 5:00pm, with weekends by appointment. Call 303-232-3100, use the quote form on this page, or stop by 12150 East Briarwood Ave, Suite 120.
From here we also work with clients in Greenwood Village, Englewood, Littleton, Lone Tree, Parker and Aurora. Whether you are comparing a home renewal, putting a benefits program together for a growing company, or sorting out Medicare options before you turn 65, our insurance specialists can talk you through what is available for your situation.
FAQs
What are the minimum auto insurance requirements in Colorado?
Colorado requires liability limits of at least $25,000 per person, $50,000 per accident, and $15,000 for property damage. Two things get missed here: $5,000 of medical payments coverage and uninsured/underinsured motorist coverage are both included by default unless you reject them in writing.
Why is my wind and hail deductible different from the rest of my policy?
Because most Colorado homeowners policies now carry a separate or percentage wind and hail deductible rather than applying the standard one. Many also use a roof settlement schedule that reduces what is paid as the roof ages, and some add a cosmetic damage exclusion for dents that do not affect function. Those three terms sit in different parts of the policy and rarely appear on a quote summary, so we go through them with you before you sign.
Does my Centennial business need workers’ compensation insurance?
Yes. Colorado requires coverage from the first employee, including part-time workers and family members — anyone paid for their services is presumed to be an employee. Penalties run up to $500 a day. Certain corporate officers and LLC members with at least 10% ownership can reject coverage for themselves.
Does this office handle Medicare and employee benefits?
Yes, and it is the largest part of what happens here. The benefits and Medicare practice came in with Kirsch Insurance Group, and Michael Kirsch is still on the team. Four of the specialists in this office work in benefits, covering group medical, dental and vision, HSA and HRA arrangements, life and disability, and individual Medicare Advantage, Supplement and Part D options. Personal and commercial property and casualty run alongside it.
How do I get a quote from your Centennial insurance office?
The fastest way is to call 303-232-3100 or use the quote form on this page. Have your current policy declarations page ready if you can, and for commercial coverage your revenue, payroll by class and recent loss runs. For group benefits, a current plan summary and census. You can also come by the office at 12150 East Briarwood Ave, Suite 120.
Our Centennial Team
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