RSS ExpReSS Blog

Are You Misclassifying Independent Contractors?

With a growing economy, more and more Colorado employers are opting to hire independent contractors and subcontractors to get the job done and to save money. Oftentimes employers are even given incorrect advice by misinformed accountants who are suggesting this as a way of avoiding workers’ compensation cost. It turns out that many Colorado employers are often misclassifying workers as ... Read More »

It’s a Risky Business…Are You Prepared?

How has your business done so far in 2017? Our Colorado economy is booming and most businesses in our state are growing and feeling prosperous.  However, business ownership isn’t always easy and for various reasons many businesses struggle daily to stay afloat.  Our job at RSS is to protect our commercial clients to the best of our ability.   What is one thing ... Read More »

Preventing Slips, Trips and Falls at Your Workplace

Did you know slips, trips and falls (STFs) are the leading cause of general workplace accidents and injuries? Employee injuries range from minor bruises to severe traumas such as head injuries, broken bones, sprains and lacerations. In fact, STFs are often reported as the most common causes of workers’ compensation claims. So how can you help prevent these accidents at ... Read More »

What’s Important to Us? Here’s What We Want You to Know

Richards, Seeley & Schaefer, Inc., also known as RSS Insurance. A business yes, but also 19 individual people with values, principles, interests and beliefs. We believe that how we live our lives and interact with others personally and as a team, plays an important role in how we conduct our business, treat our clients, and relate to their needs.  We ... Read More »

THANK YOU for Your Referrals for a Good Cause! We donated $1,130.00 because of YOU!

We Love Your Referrals-$1,130 raised for A Precious Child First Quarter! We wanted to take a moment to remind our friends and customers about our ongoing referral program and to say “thank you.” We truly appreciate your confidence in us and love it when you recommend and entrust us to your family and friends. We definitely find working with our customers a ... Read More »

Charity of the Quarter: Flatirons Habitat for Humanity

Their Vision: A world where everyone has a decent place to live. We have selected Flatirons Habitat for Humanity as our second quarter charity again in 2017. Our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting Flatirons Habitat for Humanity during the months of April, May and June. Through the work of Habitat, ... Read More »

Are Insurance Premiums Tax Deductible?

We’re right in the middle of that time of year we all love…tax season.  Some of us already have all of our information gathered and ready to go and some of us will scramble to get our documents together at the last minute so we can file our taxes. (Oh, and then there’s the select few that have already filed.) Whether ... Read More »

Get Out There and Have Fun! (Don’t Forget Your Motorsports Insurance.)

Motorsports Insurance for your ATV, Dirt Bike, Golf Cart, Snowmobile, and more. There’s no shortage of ways to get outside and enjoy our state in Colorado. Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected. Our agency can help you get the ... Read More »

Know Before You Go: Do You Need Rental Car Insurance?

Spring break is almost here! That may mean vacation time and navigating car rentals in your near future. You’ve probably been at a rental-car counter before and experienced a company representative asking you if you want to purchase the company’s insurance. Thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit ... Read More »

Invest Wisely in High Value Home Insurance

If you are like most financially successful individuals, you may have a great deal of wealth invested in your home. Typical homeowners insurance policies may not be suitable for your situation. If you have a high value estate with expensive furnishings and valuables, you may need specialized insurance to cover your investments for damage or loss.  At RSS we understand ... Read More »

RSS Donates 51 Hygiene Kits to A Precious Child

During the month of February we partnered with A Precious Child  by hosting a “Hygiene Kit” Drive.  We were notified by APC in January that they were in dire need of hygiene items for their resource center and we went to work! Our goal was to collect and build as many hygiene kits as we could for their organization. We filled each ... Read More »

Agent Spotlight: Ben Trygstad

Meet our newest agent, Ben Trygstad.  Ben joined the RSS team in January with no insurance experience, but with humility, integrity, a willingness to learn, a love of people, and a great work ethic.  Over the last couple of months, Ben has spent countless hours studying, reading policies, mentoring with experienced RSS agents, learning our agency management system as well ... Read More »

Keep in Touch with RSS!

As your insurance partner, we want to make sure we can contact you and your family in the event of an emergency or if we have important information we’d like to share with you regarding your policies or insurance coverages.  In addition to your home address and landline, we’d like to have your e-mail addresses and cell phone numbers on ... Read More »

Insurance from an Artificial Intelligence Bot?

We live in an interesting time and in an interesting world. We have everything at our fingertips. We can Google or search for anything we need. We can easily call a 1-800 number for a variety of services and never have to deal with anyone face to face or create a relationship with a real person. Take it a step ... Read More »

RSS Volunteers at A Precious Child

Twelve members of the RSS team volunteered together on February 10th at A Precious Child in Broomfield. We closed our offices early so we could help out at our Charity of the Quarter. We had such a great time serving and working at their resource center.  After touring their facility, they put us to work unloading their donation trucks and organizing, separating ... Read More »

Protect Your Valentine’s Day Jewelry

Will you say “I love you” with a gift of jewelry? Protect it! Ah, Valentine’s Day is near, and love is in the air.  Soon you may be telling that special someone how much you care with gifts such as chocolates, a romantic dinner, candy hearts that say “Be Mine” – and, of course, jewelry. It’s exciting to receive jewelry from ... Read More »

Missed Out on 2017 Health Insurance?

Health insurance open enrollment for 2017 health insurance coverage ended on January 31st. Did you get your coverage in place? Unfortunately, because of Affordable Care Act restrictions those who have missed the cutoff date now face another ten months without insurance coverage and may be subject to IRS penalties.  (Please note that if YOU DO have a qualifying life event ... Read More »

February Hygiene Kit Drive for A Precious Child

Please join us in helping disadvantaged Colorado children and their families!!  In February we will be partnering with A Precious Child and will be hosting a “Hygiene Kit” Drive.  Please join in our efforts to deliver 50 hygiene kits to A Precious Child’s resource center at the end of the month. Each kit (gallon sized ziplock bag) will contain 5-7 ... Read More »

Should You Consider Umbrella Insurance?

An insurance coverage that offers you peace of mind. “Should I consider umbrella insurance? Why would I need that? We hear this question a lot. Most people assume that only wealthy people need to have an umbrella policy. While it is true that the more assets you have, the greater your need for umbrella coverage becomes, a good majority of ... Read More »

10 Tips to Help Prevent Identity Theft

Easy Steps to Help Protect Your Identity Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re shopping at a legitimate site. Your doctor’s office could experience a data breach. Or, you could come ... Read More »

4 Insurance Gaps to Avoid This Winter

How Coverage Gaps Put You at Risk – and What You Can Do About Them Generally speaking, gaps are a bad thing. If there’s a gap in the sidewalk, you may trip and break your arm. If there’s a gap in your data, you may draw the wrong conclusion. And, if there’s a gap in your insurance coverage? You may ... Read More »

LAST CHANCE! Open Enrollment Ending Soon!

Time is running out! You need to enroll for health insurance by January 31st for 2017coverage. Please also take the time to verify that your health care provider still accepts the insurance carrier you have chosen. You must enroll by January 31st for March 1st coverage! **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2017 ends January 31st!  You DO NOT want ... Read More »

John Seeley Retires After a 43-Year Career

As of January 1, John Seeley retired from our agency after a 43 year career as an insurance agent and advisor.  After much deliberation he determined that the time was right for him to slow down and spend more time with his family. John began his insurance career with our agency in 1972 when his father, Jerry Seeley originally owned ... Read More »

The Winner of the $500 Visa Gift Card Is…

Congratulations to Mark and Jana Stone of Westminster! We just completed our referral program drawing for our $500 Visa gift card “thank you” and they are the big winners! Thank you Mark and Jana for referring your friends and family to our agency! We truly appreciate your confidence in us and love it when our clients and friends recommend our agency to ... Read More »

A Precious Child: Charity of the Quarter

We have chosen A Precious Child as our “Charity of the Quarter” for January through March of this year again! Our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting and supporting this amazing organization during our first quarter. Did you know that the number of children living in poverty has grown ... Read More »

New Year Check Up-Help Us Help You!

As we welcome in a new year many of us make various New Year’s resolutions.  Many of them are personal, but some of them may be financial.  The start of the new year is a good time to make sure your financial house is in order and  to go through your insurance policies and personal situation to make sure that your insurance ... Read More »

2017 Charity Partnerships & Referral Program

As we look towards the beginning of the new year at the end of the week, we are excited to announce that in 2017 we will continue to support and partner with four local and global charities. Our goal once again, is not only to support them financially, but to invest in them with our time when opportunities are available. ... Read More »

Holiday Giving Without Getting Taken

For many of us, Christmas is a time of generosity and giving.  Every year during the holidays, people look for ways to give gifts, not just to family and friends but to those less fortunate. It’s the spirit of the season. Unfortunately, some of the charities out there don’t help people as fully as they claim – or possibly not ... Read More »

$500 Visa Gift Card Drawing Coming Up!

We want to thank all of our customers and friends for their support and referrals throughout the year! We truly appreciate your confidence in us and loved it when you recommended and entrusted us to your family and friends in 2016. We definitely working with our customers a very rewarding experience!  As you may remember, as part of our referral program ... Read More »

RSS’s Year in Review-2016 Was Great!

As 2016 comes to a close, we reflect and review the past 12 months at RSS. As the end of a year draws closer, many of us begin to look back on the many events and activities of the past 12 months and reflect on the goals attained, milestones reached and changes that have occurred.  We mentally make note of ... Read More »

New Employee Spotlight: Leah Terzulli

Leah joined the RSS team in October of 2016 as our newest personal lines account manager.  She grew up along the east coast (Virginia, Pennsylvania and New York) and moved to Colorado two years ago when she married her husband Chris.  Leah has two sisters and one brother whom live in Texas, D.C. and Colorado. She is fully licensed in Property, ... Read More »

Health Insurance Open Enrollment Ending Soon

Time is running out! You need to enroll for health insurance by January 31st for 2017 coverage.       Enrollment and effective dates are as follows: Enroll by December 15th for January 1st coverage Enroll by January 15th for February 1st coverage Enroll by January 31st for March 1st coverage **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2017 ends January 31st!  You DO ... Read More »

RSS Volunteers at the OCC Processing Center

Nine members of the RSS team (and several family members) volunteered at the Operation Christmas Child processing center in Denver on December 2nd. With only eight processing centers in the U.S., we felt very grateful for such a special opportunity. We had so much fun and kept very busy for the four hours we worked at the center. The center ... Read More »

11 Tips For Keeping Your Christmas Tree from Becoming a Hazard

We’ve all heard the lyrics to the Christmas carol, O Christmas Tree. “O Christmas tree, O Christmas tree, How lovely are your branches.” As one of the most recognized symbols of the Christmas season, most of us enjoy the festivity and beauty of our own Christmas tree every year.  While nostalgic, your beautifully decorated Christmas tree can also be a deadly fire ... Read More »

5 Statistics That May Have Auto Rates on the Rise

At RSS we keep an eye on market trends and the state of the insurance industry, so we can better advise and prepare our clients and make sure we’re providing them with the best possible rates and coverage we can find. We want to bring to your attention an auto insurance rate increase trend we think we’re going to see ... Read More »

Winter Tire Tips

Do You Need Winter Tires? Get Ready Now Before Our Colorado Weather Turns Nasty You know it’s coming. Snow and slush. Freezing rain. Maybe even black ice.  But do you know if your tires are ready for all of that? When driving in the front range and in the mountains in the wintertime, your tires just might be the most ... Read More »

RSS Packs Boxes for Operation Christmas Child

Our third year of packing boxes for Operation Christmas Child was another BIG success! We are overwhelmed by the generosity of our team, clients and friends who donated items to our Operation Christmas Child project. Thank you so much! Last November RSS was able to pack 116 boxes for this amazing cause. We are so excited to announce that we beat that ... Read More »

New Employee Spotlight: Rebekah Thurman

Our agency welcomed Rebekah to our team in October. She joined RSS as our new front desk and administrative assistant.  When you first call or stop into our office you will most likely be greeted by Rebekah!  She comes from a large family (she’s one of seven kids) and is a Colorado native, born and raised in Broomfield. She graduated ... Read More »

Top Ten Ways to Honor a Veteran on Veteran’s Day

Take time to honor a veteran and say thank you! Americans celebrate Memorial Day in the spring and Veterans Day in the fall. While it can be easy to confuse the two holidays, Memorial Day is set aside to honor American’s war dead; Veterans Day is intended to honor the service of all U.S. veterans, both living and deceased. In ... Read More »

Slow Down and Save Money

Speeding…it will cost you. Slow down, save money and save lives. How many times has the following happened to you? You’re speeding down I-25 or another local road when you spot a Colorado State Patrol car. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time.  Now take a minute to think what ... Read More »

Make Daylight Savings Time Daylight Safety Time

In most places in the United States, November 6th is Daylight Savings, when clocks are moved back one hour.  While we lose and hour of light in the evening heading into the darker fall and winter months, we gain a precious extra hour of sleep Sunday morning! As we  update our clocks this weekend, it’s also a great time to remember to improve ... Read More »

The SIX C’s of RSS Insurance

At RSS we continually strive to make sure we are offering our clients the best possible experience while they are interacting with our agency and our team.  We truly want to provide our customers and community with  a more personable, enjoyable and expert alternative to the 1-800 numbers and online purchasing options. We believe our agency has numerous qualities that ... Read More »

Keep Your Home Safe for Trick-or-Treaters

Make your house a haven for trick-or-treaters  Halloween is one of the fall season’s most treasured holidays. Kids love to dress up, get together with friends, and go door-to-door in search of the biggest and best goodies. If your neighborhood tends to be teeming with little ghosts, goblins, superheroes and princesses, you’ll want to be sure your yard and stoop ... Read More »

Health Insurance Open Enrollment for Individuals Begins November 1st

It’s Time to Start Shopping Now and to Start Preparing for Next Year **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2017 is November 1st – January 31st.  You DO NOT want to miss the open enrollment period. If you would like to make changes in your health insurance coverage, you must do so during this period.  Many carriers have indicated that they will NOT ... Read More »

Looking for a Pumpkin Patch?

When we think of fall we  immediately think of jack o’lanterns, hay bales, corn stalks, and caramel apples. Many families will be heading out over the next week or so to find that perfect pumpkin or tasty caramel apple to celebrate the bounty October has to offer.  Where will you be headed?  Our agency did some research and found six ... Read More »

Teen Driving: Set the Example

Have you ever asked yourself why your auto insurance bill increased significantly after adding your teen driver to your policy? Well, the answer is pretty simple, teens tend to drive in a more aggressive or reckless nature than the average driver. But, before you start lecturing your teen for texting or calling while they’re driving, keep in mind your own ... Read More »

Operation Christmas Child Project

Our agency is partnering with Operation Christmas Child through Samaritan’s Purse again this year to help provide gift-filled shoeboxes and to share God’s love to needy children in poverty stricken countries around the world this Christmas.  Samaritan’s Purse hopes to collect enough shoeboxes to reach 10 million children this year through the OCC project. How does our agency help? We ... Read More »

How to Help Prevent House Fires

October 9th through 15th is National Fire Prevention Week It’s Fire Prevention Week!  This week was created back in 1925 by President Calvin Coolidge and the National Fire Protection Association (NFPA) continues to be the international sponsor of the week.  In commemoration of the week, our agency would like to share some important information to help keep you and your ... Read More »

RSS Transitions to a New Agency Management System in October

We are very happy to announce that RSS officially transitioned to a new, upgraded and more comprehensive agency management system on October 7th! Over the last six months the entire RSS team has been working diligently through the transition and training process to move our data to a “next level” management system called Epic. Epic is a cloud-based insurance agency ... Read More »

Charity of the Quarter: Samaritan’s Purse

As part of our referral program, our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting Samaritan’s Purse from October through December. Samaritan’s Purse is a nondenominational evangelical Christian organization providing spiritual and physical aid to hurting people around the world. Since 1970, Samaritan’s Purse has helped meet needs of people who are victims ... Read More »

Amendment 69 Would Destroy Colorado’s Vibrant Economy

It’s no secret that Colorado is a great place to live and do business. The state has enjoyed a years-long pattern of business growth and low unemployment thanks to a strong and diverse economy, a skilled workforce and outstanding quality of life. But Amendment 69 threatens to bring Colorado’s vibrant growth to a halt. The Amendment 69 issue on the November ... Read More »

Using Personal Cars to Conduct Company Business

Most business managers, corporate safety managers, and risk managers are aware of the liability exposures associated with company vehicles. But did you know your company could be held liable for crashes involving your employees driving their own cars on company business? Whether your employees routinely drive personal vehicles on company business or only occasionally do so, liability may arise from ... Read More »

Steer Clear of Wildlife & Avoid Vehicle-Animal Collisions

America’s roads are full of cars — but often, they’re also full of wildlife. That’s why an estimated 2 million vehicle-animal collisions happen each year, according to the U.S. Department of Agriculture. Fall and winter constitute the most dangerous periods for these incidents. Visibility is reduced, thanks to the shorter days and inclement weather, and it’s also migration and mating season for ... Read More »

5 Ways to Avoid Parking Lot Fender Benders 

Parking lots everywhere can be a great source of frustration and even “road rage.” Unfortunately for most of us, they can’t be avoided and we probably find ourselves and our vehicles parked in one several times a day. Most of us have also had our cars become victim to dings, dents, scratches and sometimes worse damage while other drivers are ... Read More »

Haven’t Heard About Our Referral Program Lately? Let us Remind You!

We wanted to take a moment to remind our friends and customers about our ongoing referral program and to introduce it to our newer customers. Our agency created a program some time ago that we like to call, “Referrals for a Good Cause.”   We truly appreciate our clients’ confidence in us and love it when they recommend and entrust us to ... Read More »

RSS Volunteers at Food Bank of the Rockies

Volunteering with our Charity of the Quarter: Food Bank of the Rockies Their Mission: Helping hungry men, women and children thrive by providing food and essentials through their programs and partner agencies. On Friday, September 9th, nine members of the RSS team traveled down to the Food Bank of the Rockies TEFAP (The Emergency Food Assistance Program)Warehouse in Denver to volunteer. ... Read More »

Make a Family Emergency Communication Plan

September is National Preparedness Month. Plan now in case a disaster strikes! Disasters can happen quickly and unexpectedly. The most important step to staying safe is being prepared BEFORE an emergency occurs. It is important to make sure that the entire family is prepared and informed in the event of a disaster or emergency. You may not always be together ... Read More »

Customized Insurance Plans for Our Customers

We love that we can help our customers with ALL of their insurance needs! We love that we are able to conveniently provide our customers with a full array of insurance products and services.  We purposely designed our agency and its departments so that we can offer our clients the convenience of one stop shopping.  Not only do we offer ... Read More »

Don’t Forget! RSS’s Virtual Food Drive Runs through September 30th!

RSS Virtual Food Drive Supports Food Bank of the Rockies & Hungry Families in Colorado  Through September, RSS will be supporting Food Bank of Rockies by hosting our first ever Virtual Food Drive.  FBR indicated to us that one of the best ways to support and serve their mission of helping hungry men, women and children in Colorado is by hosting a virtual ... Read More »

Finding Commercial Insurance Savings

Cut Back on Costs, Not Commercial Insurance Coverage Business owners are always looking for ways to improve their bottom line.  At times, belt tightening measures can be the difference between survival and failure of a business. If you are eyeing your insurance coverage for places to trim expenses, you will find some opportunities; it just takes a bit of hunting. ... Read More »

Impact of Single Payer Healthcare

Vote No on Amendment 69 Election season is in full swing now!  As we are bombarded by political messages in the coming months it’s important that Colorado citizens educate themselves about the issues on the ballot, so they can make informed decisions when casting their vote in November.  As we mentioned in previous months, RSS will be making numerous blog ... Read More »

Does Your Insurance Coverage Follow Your College Student?

College is expensive enough without finding out too late that an accident or theft isn’t covered under your current policies. So, as you get your children ready to head off to school this fall, there’s one extra “to-do” you should add to your back-to-school list (other than writing that tuition check): a review of your insurance coverage. It’s important to ... Read More »

Most Home Thefts Happen in Broad Daylight

Learn how to be prepared! If you take precautions to secure your home when you leave for work every day and when you leave on vacation, you may be wondering whether it is truly safe from break-ins. There are a number of things you can do, as a home owner, to thwart burglars. A good home security system, for example, ... Read More »

New Agent Spotlight: Nicole Baldizan

Please help us in welcoming Nicole Baldizan to the RSS team! Nicole officially joined our team in July as our newest property and casualty insurance-licensed agent.  Nicole has been advising and helping people with their insurance needs for 14 years.  She says she truly takes pride in her work and loves helping her clients. While Nicole grew up as an ... Read More »

How to Drive Safely in Strong Wind and Rain

Driving in conditions that involve strong or heavy wind and rain may not seem like the most pressing safety concern for many drivers, but safety professionals know that driving in any type of severe weather can significantly increase your risk and potential for a dangerous situation for you, your family and other drivers. Remember that severe weather demands your undivided ... Read More »

It’s Your Choice! We Hope You Choose Us!

Choices, options, alternatives.  Consumers have many, many choices when shopping for their insurance policies. Direct agents, independent agents, 1-800 numbers, online shopping; whatever insurance purchasing experience you are looking for, you can find in our great country.  We’re excited that consumers have so many insurance purchasing options.  We believe it’s what makes America great! Competition is key and keeps businesses ... Read More »

5 Business Property Coverage Mistakes to Avoid

A complete business property insurance plan is one of the smartest investments you can make in your business. It protects the costly, physical assets of your company such as the building, its contents and any outdoor fixtures such as signs and fencing. Savvy business owners know that a fire or severe windstorm can shut down a business for an extended period ... Read More »

Do You Subscribe to our Newsletter?

Insurance Matters-Connecting with Our Clients We want to keep in touch with our customers and community!  Our agency sends out a monthly e-newsletter to keep our clients and friends up to date about what were up to at RSS!  Our newsletter includes information about our charity partnerships, how we’re involved in the community, spotlights on our employees, information about the community, background ... Read More »

Is Renters Insurance Necessary?

There are many reasons people choose to rent rather than buy a home. Whether you are a college student, you are saving up for a down payment on a house, or you simply like the flexibility of apartment living, it is a good idea to become familiar with renters insurance and how it can protect you.  Despite the fact that ... Read More »

Wildfire Season is Here! Are You Ready?

Do you know what to do to prepare for a wildfire? Do you have proper insurance coverages in place to assure your home will be replaced properly if the worst happens? It is critical to make sure you and your family are prepared if you reside in a wildfire prone area.  Each year hundreds of homes are destroyed as more ... Read More »

Insurance Savings Choices

Making Smart Savings Choices Most people are always looking for ways to stretch their money and to save a little bit extra wherever they can.  When cutting expenses, often times we look to our insurance policies to see if we can save on premiums. Sometimes this includes altering insurance coverages to dangerously low levels or eliminating coverage entirely. If you’re ... Read More »

Charity of the Quarter: Food Bank of the Rockies

Their Mission:   Helping hungry men, women and children thrive by providing food and essentials through their programs and partner agencies. We are excited to announce that we are starting a new charity partnership this quarter! Our agency has selected Food Bank of the Rockies as our third quarter (July, August and September) Charity of the Quarter.  During these months RSS ... Read More »

Fourth of July Fireworks Safety Tips

For most of us, the Fourth of July is a time to enjoy the company of family and friends, have lots of fun and create memories – whether at home or away on vacation.  Typically, in early July, sparklers, fire crackers and fireworks play a large part of the holiday festivities. While these fire and light displays can create great ... Read More »

RSS Welcomes Rena Hummel to Our Team

RSS welcomed Rena and her wealth of health insurance industry knowledge to our agency in June of 2016. Rena has worked in the health benefits industry for over 12 years and is licensed not only health and life, but also in property and casualty insurance as well. She is a Colorado native and grew up in Denver with a large ... Read More »

Life Insurance Life Cycles

There’s no perfect time to purchase life insurance Life insurance is one of those things that most people don’t like to think about and it makes them uncomfortable. However, life insurance is a crucial step in planning for your future and the future of your loved ones. While not pleasant to think about, certain life events may trigger your need ... Read More »

Amendment 69 (ColoradoCare) Bad for Business & Injured Workers

Upcoming Ballot Initiative Bad for the Workers’ Compensation System and Injured Workers Our state will be entering “election season” this summer and Colorado citizens will soon be bombarded by those annoying robocalls and ads on the radio and TV.  Typically our agency does not discuss or promote politics, however we’ve decided with this particular amendment it’s important for us to educate our ... Read More »

Do I Have Hail Damage? What Should I Do?

It’s severe weather season in Colorado again! In fact, just last week the Denver area experienced several severe and damaging hail storms. Thousands of homes and businesses throughout the area saw extensive damage from the violent summer weather.  Were you in an area that was hit hard? If so, most likely you have numerous roofing contractors ringing your doorbell offering ... Read More »

RSS by the Numbers

Why We Think Our Numbers Add Up for Our Clients At RSS we believe we’re different. We believe we’re unique. We believe we provide insurance services to our clients in a way that sets us apart.  Stated  another way, we think our numbers add up for our clients.  What does that mean? As part of our ongoing communication with our customers ... Read More »

Dog Bite Claim Payouts on the Rise

Man’s best friend is the cause of more than one-third of all homeowners insurance liability claim dollars paid out in 2015.  Learn how to reduce your chances of your dog biting someone. Your pet is a member of the family, and you most likely shower it with unconditional love and perhaps treat it like family. Insurance carriers, on the other hand, ... Read More »

Ride-share Drivers: Is Your Insurance Gap Covered?

What Uber & Lyft Drivers Need to Know About Their Car Insurance Ride-sharing is becoming more and more popular and companies like Uber are growing considerably all across our country. Insuring vehicles that are providing ride-sharing services has created quite a lot of discussion over the last year as insurance companies adapt to the need for insurance for this new ... Read More »

5 Tips to Plan the Best RV Route

Plan ahead and find the best RV-friendly routes It’s almost summer time in Rockies and around our beautiful country – prime RV season and a perfect time to explore and experience all of the beauty and history our state and country have to offer! But, even if you know where you want to go, do you know how to get there? After all, ... Read More »

Flag Etiquette: Respect Our American Flag

As we enter Memorial Day weekend, with the fourth of July holiday soon to follow, many of us will be handling and displaying the American flag in front of our homes and businesses, as a sign of respect, pride and patriotism for our country.  However, did you know that if you do not handle the flag properly you may be ... Read More »

Welcome to the RSS Team: Michelle McDonald

Michelle joined our team earlier this month as our in-house individual health insurance specialist and advisor! We are so excited to welcome her to RSS as she brings with her 20 years of experience in the health insurance industry. Michelle is a Colorado native and grew up in Westminster near Standly Lake. She still currently resides in Westminster where she ... Read More »

Understanding Amendment 69 (ColoradoCare)

Helping Consumers in our State Understand the Single-Payer Health Care Initiative “ColoradoCare” Our state will be entering “election season” this summer and Colorado citizens will soon be bombarded by those annoying robocalls and ads on the radio and TV.  Typically our agency does not discuss or promote politics, however we’ve decided with this particular amendment it’s important for us to educate our ... Read More »

Clean Your Way to a Longer-Lasting Car

Car Wash-Preserving Your Car’s Value Motor vehicle corrosion is a billion-dollar problem in the United States, according to the Federal Highway Administration. And, no wonder. Road salt, tree sap, mud, pollution and even dead bugs and bird poop all contribute to a year-round assault on your vehicle, potentially leading to serious damage and pre-mature aging. Safety is also an issue. ... Read More »

Independent Means We Work for YOU!

Do What You Love, Love What You Do We LOVE what we do at RSS Insurance! We love that we are TOTALLY different from almost ALL of the other insurance agencies out there.  We come across many people who are completely unfamiliar with the term and concept of an independent insurance agency. They want to know which insurance company we represent.  Are we ... Read More »

Agent Spotlight: Ana DeLara

Ana joined the RSS team in September of 2013.  She began her career at our office as a personal lines CSR (customer service representative), transitioned into a commercial lines CSR, and then decided about a year ago that she would like to become a full-time insurance agent. Ana truly enjoys the relational side of the insurance industry and wanted more opportunities to work one on ... Read More »

Mothers Day: A Time to Celebrate Mothers

As the second Sunday of May nears (May 8th this year to be exact), it’s time to think of ways to celebrate mothers – although, of course, that’s a worthy pursuit at any time of year!  The RSS team thought it would be fun to give you a little bit of the history behind Mother’s Day, as well as a few ideas ... Read More »

Flatirons Habitat for Humanity Volunteer Day

 Volunteering with our Charity of the Quarter: Flatirons Habitat for Humanity *Their Vision: A world where everyone has a decent place to live.* On Friday, 10 members of the RSS team traveled up to Jamestown for the day to help rebuild a home that was destroyed by the 2013 floods in Colorado. They were very humbled by the opportunity to help ... Read More »

What You Need to Know About Water Backup

Water backup: What’s covered, what’s not Water backup is one of the most common causes of loss for homeowners, but also one of the most misunderstood.  While most people understand and know that flooding caused by mother nature and outside weather forces is not covered by their homeowners insurance (for this type of water damage a flood policy must be in ... Read More »

Severe Spring & Summer Storm Season is Here

Do You Know How to Check Your Property for Storm Damage? If you’ve lived in Colorado very long you know how violent many of our wind, hail and thunderstorms can be. Within a moments notice, rumbling thunder turns into damaging winds, destructive hail and flooding gutters and roadways. When one of these storms hit your neighborhood or business, you hunker ... Read More »

Motorcycle Insurance: We’ve Got You Covered.

Spring is in the air, summer is on the way, and we’re all looking forward to enjoying those Colorado blue sky days. If you’re a motorcycle enthusiast or rider it also means that you’re looking forward to spending many days riding your bike in our beautiful state.  At RSS, we know that most likely your bike is one of your prized ... Read More »

The Modern Office Brings Emerging Risks

Will Your Workers Compensation Insurance Be Affected? Pioneered in the workplaces of Silicon Valley, employee benefits, such as climbing walls, foosball tables, video games and the ability to bring pets into the office, are all emerging trends that emphasize collaboration and creativity. Risks that business owners might not have considered when implementing such programs include, but are not limited to, ... Read More »

RSS Featured in LooseLeaf Magazine

Colorado Nursery & Greenhouse Association featured our agency in the April/May edition of their member magazine We are very honored and excited to be featured in this month’s issue of LooseLeaf magazine! The publication is written and published by the Colorado Nursery & Greenhouse Association (CNGA).  Aaron Hoffman, RSS CEO, was interviewed in February by one of the magazine’s writers about ... Read More »

It’s That Important to Us: RSS Code of Conduct

What we say about ourselves means a lot and we take it seriously here at RSS. One of the core values you may find on our website or on our materials is the word INTEGRITY. To us, this word speaks volumes. It’s how we do life, it’s who we are.  In fact, we feel so strongly about our values, how ... Read More »

Should You Consider Higher Auto Limits?

Why should you consider higher auto limits?  The short answer is: While the minimum limits may provide the cheapest rate in the short term, they don’t provide ample protection for what you value most to protect you and your family’s financial security. First, let us back up and explain what we mean by auto limits. Your car insurance coverage limits, also ... Read More »

Charity of the Quarter: Flatirons Habitat for Humanity

Their Vision: A world where everyone has a decent place to live. We have selected Flatirons Habitat for Humanity as our second quarter charity again in 2016. Our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting Flatirons Habitat for Humanity during the months of April, May and June. Through the work of Habitat, ... Read More »

THANK YOU for Your Referrals for a Good Cause

We Love Your Referrals-$780 raised for A Precious Child First Quarter! We wanted to take a moment to remind our friends and customers about our ongoing referral program and to say “thank you.” We truly appreciate your confidence in us and love it when you recommend and entrust us to your family and friends. We definitely find working with our customers a ... Read More »

A Home Fire Escape Plan Can Save Your Life

It’s the middle of the night. You’re sound asleep when suddenly the smoke alarms in your house go off. It’s dark. The house is filling with smoke. Fire experts say you have about two minutes to get out safely. Would you and your family know what you should do? According to Ready.gov, each year more than 2,500 people die and ... Read More »

12 Lifestyle Changes That Could Help You Pay Less for Auto Insurance

If you thought there was a way you could reduce your auto insurance premiums through your personal choices and decisions would you do it?  Most consumers are always looking for ways to find a savings and that includes on their auto insurance.  There are many lifestyle and occupation changes you can consider making. We’ve compiled a list of  12 things ... Read More »

Springtime Home Maintenance

We’ve all heard of spring cleaning, but what about spring maintaining? When springtime rolls around, almost everyone thinks of cleaning up and airing out our homes. That’s great (we probably all need to do a little more of that, after all), but there’s something even more important that we should keep in mind: home maintenance. So, while you’re cleaning out your closets and ... Read More »

El Niño Could Bring Heavy Snow and Rain: Avoid Snow Loading Dangers

The weather forecasters claim that El Niño could bring heavy, wet snow or rain to Colorado this spring.  The extreme moisture conditions that can be brought on by an El Niño weather pattern can create dangerous conditions for businesses through snow loading and roof collapse. During winter and spring months, most businesses often plan for snow and severe weather by winterizing company ... Read More »

Know Before You Go: Do You Need Rental Car Insurance?

Spring break is almost here! That may mean vacation time and navigating car rentals in your near future. You’ve probably been at a rental-car counter before and experienced a company representative asking you if you want to purchase the company’s insurance. Thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit ... Read More »

Make Daylight Savings Time Daylight Safety Time

In most places in the United States, March 13th is Daylight Savings, when clocks are moved forward one hour.  Not only do we all gain one hour of extra light in the evening as spring and summer approach (and lose one hour of sleep on Sunday), but it’s also a great time to remember to improve your family’s safety by checking up ... Read More »

What’s In a Name? An RSS History

Where does Richards, Seeley & Schaefer, Inc. get it’s name? Richards, Seeley & Schaefer, Inc. While a mouthful to say for sure, our name has a history and a legacy of which we’re very proud. If you aren’t familiar with us or our tag line, “Professional Insurance Services with a Personal Touch,”  you may think we’re a law or accounting ... Read More »

RSS Diaper Drive Update

Thank you so much to everyone who donated diapers for our February Diaper Drive to benefit A Precious Child and their Basics 4 Babies Program!  We are very excited to say that we collected 4,099 diapers, 3,880 wipes, along with other essential baby items! We almost tripled the number of diapers and wipes we collected over last year! We couldn’t have ... Read More »

Traveling Internationally Over Spring Break?

What if you become sick or injured?  Should you consider International Travel Medical Insurance? Spring Break is quickly approaching and many of us may be taking exotic vacations to places far from home. Traveling abroad can be an exciting experience. But what would happen if you or one of your family members becomes ill or injured while traveling out of ... Read More »

Did You Know We’re Super Social?

We love to communicate with our customers and community!  In order for us to most effectively reach as many of our friends, clients and the community as possible, we not only send out a monthly newsletter, but we’ve been keeping everyone up to date and informed through many venues of social media.  Have you checked us out lately? Almost everyone ... Read More »

Tiny Homes are Trending…Can You Insure Them?

Tiny homes are extremely trendy right now.  You may have watched a show about these little abodes on HGTV or noticed your friends “pinning” pictures of their “dream tiny house” on Pinterest.  Many people are beginning to dream of a simpler, less cluttered, environmentally friendly way of life that a tiny house may offer.  They come in many unique shapes and sizes. ... Read More »

Are Insurance Premiums Tax Deductible?

We’re coming up on the time of year again we all love…tax season.  Some of us already have all of our information gathered and ready to go and some of us will scramble to get our documents together at the last minute so we can file our taxes. (Oh, and then there’s the select few that have already filed.) Whether you’re a ... Read More »

What If I Have a Claim?

Life happens. Accidents, storms and damage occur on a daily basis. We’d like to think it won’t happen to us, but when it does, you’ll hopefully have your insurance agent and your insurance policies in place to get life back to normal. However, right after a damaging event occurs, do you know what to do? Q. I’ve been in an ... Read More »

Protect Your Valentine’s Day Jewelry

Did you say “I love you” with a gift of jewelry? Protect it! Ah, Valentine’s Day is near, and love is in the air.  Soon you may be telling that special someone how much you care with gifts such as chocolates, a romantic dinner, candy hearts that say “Be Mine” – and, of course, jewelry. It’s exciting to receive jewelry from ... Read More »

Missed Out on 2016 Health Insurance?

Health insurance open enrollment for 2016 health insurance coverage ended on January 31st. Did you get your coverage in place? Unfortunately, because of Affordable Care Act restrictions those who have missed the cutoff date now face another ten months without insurance coverage and may be subject to IRS penalties. However, you are not completely out of luck! You still have ... Read More »

RSS Volunteers at A Precious Child

Eight members of the RSS team joined together on February 3rd to volunteer at A Precious Child in Broomfield. We closed our offices early so we could help out at our Charity of the Quarter. We had such a great time serving together at their resource center.  After touring their facility, they put us to work organizing, separating and hanging donations to ... Read More »

Annual February Diaper Drive

Please join us in helping babies and moms in need in Colorado! In February we will be partnering with A Precious Child and their Basics 4 Babies program and will serve as a drop-off location for diapers and other essential baby items.  Basics 4 Babies provides direct aid to mothers and families who might otherwise ration or go without basic necessities for ... Read More »

Winter Storm Ahead: Are You Ready?

It looks like Colorado may possibly be facing a large winter storm or blizzard in the next couple of days.  While snow days, staying cozy by the fireplace, and kids sledding outside in the remnants of a winter storm may sound fun, we must remember that winter storms can be very dangerous and even deadly.  It’s very important to know ... Read More »

Employee Benefits Liability Insurance

Small mistakes can lead to major financial consequences. Your business takes good care of its employees and offers and pays for a great health plan and other benefits.  While these benefits can help your company compete for qualified workers and keep your current employees happy, they must be administered properly. Small clerical errors can have major consequences. What happens if due ... Read More »

Why Do We Tell You What We Tell You?

Communication: the imparting or exchanging of information or news. At RSS we believe relationships are very important. In fact, most experts would agree that communication is the key to a healthy, growing relationship. In order to get to know someone, whether it be a new friend, family member, coworker, or potential boyfriend/girlfriend, you need to talk to them, learn about ... Read More »

New Home Inventory App Helps You Prepare for the Unexpected

Catalog Your Belongings. Be Ready for a Personal Property Claim. Why Do You Need a Home Inventory? You have homeowner’s or renter’s insurance to protect not only your home, but everything inside it if disasters strikes, right?  You need a home inventory because you don’t just love your home – or condo, apartment or townhouse. You love what’s in it. Your ... Read More »

Ladder Safety Tips-Keep Your Employees from Taking a Fall

As a business owner, you want to keep your employees safe.  Not only is it obviously in the best interest of your employee’s well being, but you will have higher overall employee morale, reduced workers’ compensation costs and less of a risk of lawsuits.  Accidents caused by falls from ladders represent a large number of injuries in the workplace. Ladder ... Read More »

LAST CHANCE! Open Enrollment Ending Soon

Time is running out! You need to enroll for health insurance by January 31st for 2016 coverage. Please also take the time to verify that your health care provider still accepts the insurance carrier you have chosen. You must enroll by January 31st for March 1st coverage! **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2016 ends January 31st!  You DO NOT ... Read More »

Agent Spotlight: Stephanie Gonzales

Meet Stephanie Gonzales.  Stephanie is a fourth generation Coloradan who joined the RSS team in June of 2014. She began her insurance career in 2001 as a customer service representative and has been growing and learning about insurance ever since. She is licensed in Property, Casualty, and Life and absolutely loves getting to know her customers!  Her enjoyment in getting ... Read More »

Do You Know How to Detect & Prevent Water Damage in Your Home?

You have plenty to worry about with home ownership, but keeping on top of potential water problems can save you buckets of money. Even a small leak can become a major problem. It’s important to know that most homeowner policies only cover damage to your home caused by a sudden and accidental water event, like a burst pipe, wind-driven rain ... Read More »

The Winner of the $500 Visa Gift Card Is…

Congratulations to Nick Hooper of Littleton! We just completed our referral program drawing for our $500 Visa gift card “thank you” and he is the big winner! Thank you Nick for referring your friends and family to our agency! We truly appreciate your confidence in us and love it when our clients and friends recommend our agency to others. We definitely find ... Read More »

A Precious Child: Charity of the Quarter

We have chosen A Precious Child as our “Charity of the Quarter” for January through March of this year again! Our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting and supporting this amazing organization during our first quarter. Did you know that the number of children living in poverty has grown ... Read More »

New Year Check Up-Help Us Help You

As we welcome in a new year many of us make various New Year’s resolutions.  Many of them are personal, but some of them may be financial.  The start of the new year is a good time to make sure your financial house is in order and  to go through your insurance policies and personal situation to make sure that your insurance ... Read More »

2016 Charity Partnerships & Referral Program

As we look towards the beginning of the new year at the end of the week, we are excited to announce that in 2016 we will continue to support and partner with four local and global charities. Our goal once again, is not only to support them financially, but to invest in them with our time when opportunities are available. The ... Read More »

$500 Visa Gift Card Drawing Coming Up!

We want to thank all of our customers and friends for their support and referrals throughout the year! We truly appreciate your confidence in us and have loved it when you recommended and entrusted us to your family and friends in 2015. We have definitely found working with our customers a very rewarding experience!  As you may remember, as part of our ... Read More »

The Gifts are Wrapped…Should They Be Insured?

Christmas day is just a few days away  – Are you surprising someone with a valuable or extravagant gift underneath the Christmas tree this year? You’ll want to take  the time to make sure these special gifts are protected and insured after the wrapping paper is thrown away.  Properly insuring those expensive items will bring you peace of mind and protect ... Read More »

Holiday Home Security Tips

Make home safety a priority while you’re away for the holidays The holidays can be a great time to visit family and friends you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house and belongings stay safe while you’re gone.  A house left ... Read More »

Does My Credit History Affect My Insurance Premium?

Purchasing insurance can be frustrating sometimes, especially when you don’t understand why you are being asked certain questions or why specific factors may affect your insurance premium.  We would like to explain the reason why insurance companies utilize one particular factor – your credit history – in determining your insurance premium. As stated, many insurance companies use credit-based scores to help determine ... Read More »

What Community Means to Us

COMMUNITY. As our agency transitioned into its third generation of family this year, we’ve continued to proudly carry on the legacy of the principles upon which we’ve built our agency, but we’ve added two more values we feel passionately about-community and generosity. We’d like to explain to you what that means to us. When most people say they are local ... Read More »

Health Insurance Open Enrollment Ending Soon

Time is running out! You need to enroll for health insurance by January 31st for 2016 coverage.       Enrollment and effective dates are as follows: Enroll by December 15th for January 1st coverage Enroll by January 15th for February 1st coverage Enroll by January 31st for March 1st coverage **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2016 ends January 31st!  You DO ... Read More »

RSS Volunteers at the OCC Distribution Center

Twelve members of the RSS team volunteered at the Operation Christmas Child distribution center in Denver on December 2nd. With only eight distribution centers in the U.S., we felt very grateful for such a special opportunity. We had so much fun and kept very busy for the four hours we worked at the center.  The center operates with the goal of ... Read More »

We’ve Got Christmas Spirit…How About You?

Christmas Photo Contest RSS’s “We’ve Got Christmas Spirit, How About You?” Christmas Photo Contest is under way!  The team at RSS loves to have fun and loves Christmas! We’ve created a Facebook photo contest so we can have fun with our team and the community in expressing our yuletide cheer! If you’ve got holiday spirit and have a fun or ... Read More »

Make the Most of Black Friday Shopping

Add some strategy to your ‘Black Friday’ shopping If there’s anything more satisfying than melting into the couch following a multi-course Thanksgiving dinner complete with all the fixings, it has to be shopping for the best deals of the season the day after at our local shopping malls and centers. Hitting the shops on Black Friday has become a ritual ... Read More »

Winterize Your Car Before Severe Weather Hits

According to the weather experts, we could be in for a very cold and snow-filled winter season caused by El Nino this year.  Cold temperatures and icy roads can create hazards for drivers. It is important to prepare yourself and your vehicle for these hazards to help ensure this winter driving season is a safe one. We recommend taking precautions to help ... Read More »

116 Boxes Packed for Operation Christmas Child!

Our second year of packing boxes for Operation Christmas Child was a HUGE success! We are overwhelmed by the generosity of our team, clients and friends who donated items to our Operation Christmas Child project. Thank you so much! Last November RSS was able to pack 57 boxes for this amazing cause. We are so excited to announce that we beat that ... Read More »

Thinking About Frying a Turkey?

Planning on frying a turkey this holiday season? While fried turkeys may be the favorite part of many American’s Thanksgiving meal extreme caution should be taken when cooking up the holiday bird.  If the proper techniques and procedures are not taken the results could disastrous and very dangerous.  Here are some safety tips from the CPSC for making your own ... Read More »

What Do Food Banks Really Need?

As Thanksgiving approaches and with Christmas arriving shortly after that, many of us begin to turn our attentions to providing for those less fortunate than ourselves.  While food banks and food pantries have food and supply collection needs all year round, we typically begin to hear more about food shortage needs during the holidays.  While well meaning, sometimes just cleaning ... Read More »

Top 10 Ways to Honor a Veteran on Veterans Day

Take time to honor a veteran and say thank you! Americans celebrate Memorial Day in the spring and Veterans Day in the fall. While it can be easy to confuse the two holidays, Memorial Day is set aside to honor American’s war dead; Veterans Day is intended to honor the service of all U.S. veterans, both living and deceased. In ... Read More »

It’s a Risky Business…Are You Prepared?

How has your business done so far in 2015? Our Colorado economy is booming and most businesses in our state are growing and feeling prosperous.  However, business ownership isn’t always easy and for various reasons many businesses struggle daily to stay afloat.  Our job at RSS is to protect our commercial clients to the best of our ability.   What is one thing ... Read More »

Why Buy Long-Term Care Insurance?

Long-term care is personal care or supervision needed by persons of all ages for an extended period of time. It may be needed due to an accident or illness, or the effects of aging. Care is received in a variety of settings including nursing homes, alternate care facilities and a person’s own home. A Long-Term Care Insurance  policy is an ... Read More »

Health Insurance Open Enrollment for Individuals Begins November 1st

It’s Time to Start Shopping Now and to Start Preparing for Next Year **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2016 is November 1st – January 31st.  You DO NOT want to miss the open enrollment period. If you would like to make changes in your health insurance coverage, you must do so during this period.  Many carriers have indicated that they will NOT ... Read More »

Did You Know We’re Super Social?

We love to communicate with our customers and community!  In order for us to most effectively reach as many of our friends, clients and the community as possible, we not only send out a monthly newsletter, but we’ve been keeping everyone up to date and informed through many venues of social media.  Have you checked us out lately? Almost everyone ... Read More »

Are Your Employees Suffering from “Text Neck”?

Stop for a moment. Hold still. Now, describe your posture. The answer to this question likely tells a lot about your health, especially if you are using a mobile device. And, let’s face it, you probably are. In fact, a recent study of smartphone users found they spent an average of two-to-four hours a day in 2014 hunched over their ... Read More »

Avoid These 3 Common Insurance Gaps

Most consumers purchase insurance so they can best protect their homes, automobiles and businesses, among other things.  However, it is extremely important to understand the coverage you purchase to make sure you have properly protected what’s most important to you.  Even the best and most comprehensive policies out there may leave you with an “insurance gap.” This means that there are some losses or ... Read More »

The RSS Team-We’re Here for You!

At RSS we’re extremely proud of the 18 team members we’ve assembled to help, advise, support, instruct and partner with our clients and community.  We’ve selected and trained our staff for very specific roles in order to best assist our customers with any need or question they may have. We would like to give some insight as to how and ... Read More »

Do You Know How to Properly Use a Fire Extinguisher?

October is National Fire Prevention Month. While we all most likely know the basics of preventing fires in our homes, how many of us REALLY know how to properly use a fire extinguisher? If a grease fire accidentally starts in your kitchen skillet, will you be able to calmly react and be able to correctly use your fire extinguisher with confidence? ... Read More »

Operation Christmas Child Project

Our agency is partnering with Operation Christmas Child through Samaritan’s Purse again this year to help provide gift-filled shoe boxes and to share God’s love to needy children in poverty stricken countries around the world this Christmas.  Samaritan’s Purse hopes to collect enough shoeboxes to reach 10 million children this year through the OCC project. How does our agency help? ... Read More »

Looking for a Pumpkin Patch?

When we think of fall we  immediately think of jack o’lanterns, hay bales, corn stalks, and caramel apples. Many families will be heading out over the next couple of weeks to find that perfect pumpkin or tasty caramel apple to celebrate the bounty October has to offer.  Where will you be headed?  Our agency did some research and found six ... Read More »

Samaritan’s Purse: Our Charity of the Quarter

As part of our referral program, our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting Samaritan’s Purse from October through December. Samaritan’s Purse is a nondenominational evangelical Christian organization providing spiritual and physical aid to hurting people around the world. Since 1970, Samaritan’s Purse has helped meet needs of people who are victims ... Read More »

Autumn Night Driving Dangers

A little extra caution can go a long way while driving at night  As September ends and we head into October and autumn, the days continue to grow shorter and the nights are becoming longer. Unfortunately, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime ... Read More »

When Do I Qualify to Enroll in Health Insurance?

Everyone can enroll during open enrollment, November 1st through January 15th, but after that point, only a “Qualifying Life Event” will allow you to enroll any other time of the year.  Even though the Affordable Care Act (ACA) has been the law for a while now, many people still are confused about when and how they can enroll for health ... Read More »

Employee Spotlight: Christina Mertens

RSS welcomed Christina to our team this month to assist our commercial clients and their agents. Christina obtained her Property/Casualty license in 2004, but has a background in insurance dating back to 1997. She grew up in Colorado Springs and is proud to be a third generation Air Force Veteran. Christina married her husband Jon in 2009 and they have ... Read More »

Tree Maintenance Can Reduce Property Damage

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained. Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of ... Read More »

Rideshare Drivers: Does Your Policy Cover You?

What Uber & Lyft Drivers Need to Know About Their Car Insurance You may have heard of Uber, Lyft and Sidecar.  These taxi network companies utilize mobile apps, allowing consumers with smartphones to submit a trip request which is then routed to local drivers who use their own cars.  If you currently drive as a “driver-for-hire” for one of these companies, ... Read More »

Football Fan Safety Tips

Are you ready to cheer on your favorite team? Make football season not just fun, but also safe. Finally, we’re welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves, the start of school and, of course, cheering on our favorite football teams! Football season brings with it a whole host of seasonal activities for ... Read More »

You’re Invited: RSS Open House September 25th

Our agency and our entire RSS team would like to invite you to an Open House at our office from 11:00-3:00 on Friday, September 25th.  We want to take the opportunity to say, “thank you” to all of our clients and to invite you into our agency “home” to see the many changes we’ve made in our office this year.  We’ve ... Read More »

12 Ways to Lower Your Auto Insurance

One of the most common questions we hear as insurance agents is, “How can I lower the cost of my auto insurance?”  Let’s face it…all of us are trying to save money whenever and wherever we can.  While auto insurance is not only required in our state, but also financially wise for all of us to carry, it can sometimes ... Read More »

Congratulations to Katy Beehler

Katy will be featured in the 5280 Magazine September issue! Katy has been selected as a 2015 Five Star Home & Auto Insurance Professional award winner! We are proud to announce that she will be featured in the September issue of 5280 magazine with a select few other insurance professionals in our state.  Recent homebuyers were surveyed and less than ... Read More »

Nine Easy Ways to Frustrate Car Thieves

There’s no foolproof way to safeguard against car theft. But many no-cost deterrents exist for protecting your vehicle. A thief’s greatest enemy is time. The more difficult your car is to steal, the longer it takes to be stolen. The longer it takes, the more likely the thief will move on to an easier target. Here are nine ways to ... Read More »

We Want to Hear from You!

We want to know what you think! We’d also like others in our area to know why our customers choose to place their trust in us. If you’re a fan of RSS please consider letting your friends, family and others in the community know by rating us on:                           ... Read More »

Thanks for Supporting A Precious Child & RSS!

The Safeco Insurance® Make More Happen Contest has ended and A Precious Child will receive a check for $3,500! The Safeco Insurance® Make More Happen Contest has ended, and while our RSS/A Precious Child team was not one of the top three vote-getters, we truly appreciate the support of everyone who took the time to vote. Thanks to everyone voting in ... Read More »

Managing Construction Defect Risk

Emerging technologies, changing standards and a shortage of skilled labor can present increased potential for construction defect exposure. The costs and challenges associated with construction defects can change and increase rapidly. With new materials and techniques entering the market, codes and other requirements that can vary by state, and a lack of skilled labor, the causes and consequences of a ... Read More »

Back to School Safety Tips…Are You Ready?

As kids head back to school, let’s keep them safe  The end of summer means many things, such as cooler weather, shorter days and the start of football season! (Go Broncos!!) It also means that our kids are headed back to school. With that in mind, we all should be extra careful on the roads, in school zones and around school ... Read More »

Keep the Fire (Pit) Burning, but Keep It Safe

Sitting around a backyard fire pit is one of the most enjoyable ways to spend a nice summer evening. Without the proper precautions, however, it can also be quite dangerous. So before you get out the graham crackers, chocolate and marshmallows to celebrate National S’mores Day today, check out these guidelines to make sure you won’t get burned by an unsafe fire. Decide ... Read More »

Why We Do What We Do

Why do we run an insurance agency in Colorado, providing, explaining, and servicing various and almost all insurance products to people in our community and beyond? We love what we do! That’s why we do what we do.  Plain and simple. However,  we’d like to explain why we feel so passionately about the services we provide and why we’re so ... Read More »

Employee Spotlight: Kylie Kroeplin

Please help us welcome Kylie to the RSS team! Kylie joined our agency in July and was immediately ready to serve and assist our personal lines clients.  She began her insurance career in 2013 and now holds a Property & Casualty license in our state. Kylie moved to Colorado two and half years ago, but grew up in Payette, Idaho where ... Read More »

Life Changes-So Should Your Life Insurance

Your need for life insurance is dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change as well to adapt to your current needs. Some life changes that may require a policy “tune-up” include: You recently married or divorced You have a new child or grandchild Your health or your spouse’s ... Read More »

Help RSS Win A Precious Child $10,500 Now!!

Voting is now LIVE! Click HERE to vote for A Precious Child to win $10,500! We’re excited to announce that RSS has been selected to receive the Safeco Insurance® Make More Happen Award for our volunteer work with A Precious Child this year! More importantly, A Precious Child will receive a $3,000 donation from Safeco on our behalf.  (And we now have ... Read More »

Does Volunteering Your Time Mean Volunteering Your Insurance?

Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization—and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage ... Read More »

10 Most Common Workers Compensation Claims

Workers compensation is a form of insurance designed to help employees recover from injuries sustained in the workplace. Every state has different laws pertaining to workers compensation programs. Benefits provided to workers may include medical expenses, death benefits, lost wages and rehabilitation services. In Colorado, any business with at least one paid employee (even if that employee is temporary) is ... Read More »

RSS “Makes More Happen” for A Precious Child!

We’re excited to announce that RSS has been selected to receive the Safeco Insurance® Make More Happen Award for our volunteer work with A Precious Child this year! More importantly, A Precious Child will receive a $3,000 donation from Safeco on our behalf.  We couldn’t be more excited about this honor and being able to support A Precious Child. What ... Read More »

A Precious Child’s “Fill a Backpack Program”

 A Precious Child and Young Learners in Colorado Need Your Help! The number of children living at or below the federal poverty rate has grown faster in Colorado than anywhere else in the nation. One of the most important factors in bringing children out of poverty is education and academic success. A Precious Child’s Fill A Backpack Program strives to ... Read More »

What’s New at RSS?

We’ve been making some changes at RSS this year. We offer the same insurance products (almost any insurance policy you could need), represent the same carriers (over 60 companies for us to quote insurance through), and are still in the same location (a quaint, adobe farmhouse in Westminster). So what’s different? We’ve recognized the importance of communicating with our clients ... Read More »

Do You Have Enough Homeowners Insurance Coverage to Rebuild Your Home?

Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to rebuild ... Read More »

Susan G. Komen Colorado: Charity of the Quarter

 Their Vision: to save lives and end breast cancer forever by empowering people, ensuring quality  care for all and energizing science to find the cures. Our agency has selected Susan G. Komen Colorado as our third quarter (July, August and September) Charity of the Quarter.  During these months RSS will donate $10.00 for every referral we receive to Susan G. ... Read More »

Where to Find Front Range Fireworks Shows

For many Americans, July Fourth is a family holiday — it involves backyard barbecues, maybe a parade through town, and a local fireworks show.  For those of you who like to end your celebration of the nation’s birthday with a fireworks display, we’ve created a list of area fireworks shows. There are a lot of options in our patriotic state: ... Read More »

Do You Know What Hail Damage Looks Like?

Identifying Hail Damage to Your Roof Summertime storms in Colorado can be very destructive. When hail hits, it can strike your roof and may damage your shingles or other property. Although hailstorms can be destructive, the amount of damage can vary.  The type and degree of damage may be impacted by the following factors: Wind – During a hailstorm, wind direction ... Read More »

Our Agency is Hiring! You Could Be Part of the RSS Insurance Team!

Our agency is looking for a qualified, friendly, and hard-working Commercial Lines Customer Service Representative. Please review the details below and contact Aaron Hoffman at ahoffman@rss-insurance.com if you think you may be an asset to our team. We look forward to hearing from you. ESSENTIAL DUTIES AND RESPONSIBILITIES – *Current Colorado P/C insurance license required* Our growing insurance agency needs ... Read More »

It’s Summer… Heat Up that Grill and Be Safe!

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer. However, grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family. Keep in mind, though, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even ... Read More »

What Questions Should I Consider When Purchasing Auto Insurance?

When purchasing auto insurance, make sure you find coverage that fits your needs. Think about you and your family’s specific circumstances, including your risk tolerance and your budget. If you aren’t sure what type of things you should consider, read below. Also, call our office so we can assist you and walk you through the auto insurance buying process. Of ... Read More »

Father’s Day: Time to Honor Dad

With summer drawing near and the weather warming up,  Colorado’s neighborhoods come alive with the sights and sounds of the season: lawnmowers, power tools and backyard barbecues, to name a few. For many people, those things all bring to mind one specific person: Dad. And since Father’s Day is just around the corner, we thought we’d give you some gift ideas ... Read More »

Garage Sale for a Cause This Month

Our agency will be hosting a “garage sale” on June 26 and June 27 from 8am until 1pm each day (or until items for sale are all sold).  The RSS staff will be donating items to sell at our First Annual Garage Sale for a Cause.  All proceeds from the sale will be donated to our Charity of the Quarter, Flatirons ... Read More »

Telemedicine: The New Trend in Healthcare

How many of us are familiar with this scenario? It’s midnight on a Friday night and our child wanders into our bedroom crying with sharp ear pain or wakes up Sunday morning with their eyes very red and almost glued shut with symptoms that look suspiciously like Pink Eye. What do we do?  Our options are typically limited and all relatively ... Read More »

Agent Spotlight: Angela Mattei

We are very excited to welcome Angela to our insurance team this month! She will be our dedicated health insurance and employee benefits agent for our agency and is very excited to meet many of our clients! She has been working in the health insurance industry for over 20 years and holds a health and life insurance license. She loves meeting ... Read More »

Tornado Truths to Keep You Safe

Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado. Although you can never control the weather or the outcome of a destructive storm, there are steps you can take ... Read More »

Our Tagline: “Professional Insurance Services with a Personal Touch”

As we continue to describe our agency and what we stand for as a business to our customers, potential customers, friends and community, we thought it was about time we explain what our tagline, “Professional Insurance Services with a Personal Touch,” means to us. Since 1967, the guiding principle of Richards, Seeley & Schaefer has been “Professional Insurance Services with ... Read More »

What You Should Know About Flood Insurance

You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. Our agency wants you to be educated about all of the risks you may face – before a loss occurs – so you can determine what insurance coverage is appropriate. Spring ... Read More »

Memorial Day: A Time for Remembrance

As Americans we all look forward to the promise of a three-day weekend at the end of May. We anticipate the fun, the picnics, and the BBQs we’ll attend. And one thing we know for sure; it marks the beginning of summer. But how often do we take the time during this weekend to reflect upon and honor the sacrifices ... Read More »

RSS Ladies Help Rebuild a Home in Jamestown

Volunteering with a Charity of the Quarter: Flatirons Habitat for Humanity *Their Vision: A world where everyone has a decent place to live.* On Friday, seven our staff members traveled up to Jamestown for the day to help rebuild a home that was destroyed by the 2013 floods in Colorado. They were very humbled by the opportunity to help out a ... Read More »

Protect Your “Home Away from Home”

Summer is almost here! Time for sun and fun, vacations, and for many people camping in their RVs.  Along with the fun however, comes the responsibility of making sure we have protected our home on wheels.  We buy homeowners insurance for our house and auto insurance for our cars,  so of course we need to make sure we purchase RV ... Read More »

Do You Subscribe to our Newsletter?

We want to keep in touch with our customers and community!  We send out a monthly e-newsletter from our agency to keep our clients and friends up to date about what were up to here at RSS!  Our newsletter includes information about our charity partnerships, how we’re involved in the community, spotlights on our employees, information about the community, background ... Read More »

Severe Spring & Summer Storms are Here…

Do You Know How to Check Your Property for Storm Damage? If you’ve lived in Colorado very long you know how violent many of our wind, hail and thunderstorms can get. Within a moments notice, rumbling thunder turns into damaging winds, destructive hail and flooding gutters and roadways. When one of these storms hit your neighborhood or business, you hunker ... Read More »

Insurance For Your Paycheck

May is National Disability Insurance Awareness Month What is your most valuable asset? What asset do you most need to protect? A majority of people would most likely say their homes, cars, electronics, or jewelry. What about your ability to earn an income? Consider this: All of your future plans- owning a home, paying for your children’s college education, retiring ... Read More »

Do You Want Siri to Be Your Insurance Agent?

We live in an interesting time and in an interesting world. We have everything at our fingertips. We can Google or search for anything we need online. We can easily call a 1-800 number for a variety of services and never have to deal with anyone face to face or create a relationship with a real person. An article was ... Read More »

Flatirons Habitat for Humanity:

 Our Charity of the Quarter Their Vision: A world where everyone has a decent place to live. Our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting Flatirons Habitat for Humanity during the months of April, May and June. Through the work of Habitat, thousands of low-income families have found new hope ... Read More »

Do You Have Roadside Assistance Coverage?

All of our insurance companies offer Roadside Assistance coverage for as little as pennies a day. If you purchase this optional coverage you will have the security of knowing that when car trouble occurs, a tow truck will be dispatched to your location, and a service technician can help you refuel, get a jumpstart, or tow your car to a ... Read More »

Don’t Neglect Your Yard or Your Safety!

We can feel it in the air…summer will be here in no time. Vacations, BBQs, picnics, and enjoying our beautiful Colorado summer weather is just around the corner! As we enjoy spring and anticipate summer, many of us may also be working in our yards – often with tools that can be dangerous if not used properly. Unfortunately, according to ... Read More »

Do You Need Landlord Protection Insurance?

Do you have a rental property that you lease to a tenant for rental income? As a landlord renting out your investment property, you’ve got a lot on your mind. Finding the right tenants, keeping up with repairs; the list goes on and on. With the proper Landlord Protection Insurance, you could have one less thing to worry about. Rental ... Read More »

Honesty: An RSS Core Value

HONESTY: the quality of being fair and truthful: the quality of being honest. It seems pretty straightforward to us at our agency. It’s one of the building blocks of our business.   We conduct ourselves at RSS in a fair and straightforward manner. We don’t take short cuts, we don’t twist or cover up the facts, and we don’t misrepresent our ... Read More »

National Distracted Driving Awareness Month

April is National Distracted Driving Awareness Month We’ve all seen distracted drivers on the road, you may very well be one yourself.  Life’s busy, we have a lot to do and sometimes multitasking behind the wheel seems like a good idea.  Please don’t be tempted…there’s a lot at stake if you make one mistake while driving. Avoiding distractions while driving could ... Read More »

Employee Spotlight: David Barrera

Please help us welcome our newest employee, David Barrera! David joined our team last month as a fully licensed commercial lines account manager. David is very excited to be assisting our business clients along with Dena and Tracy. Born and raised in Los Angeles, Colorado’s beautiful mountains and open space drew him to our state in 2002.  He now resides in Erie with his wife of ... Read More »

I’m Borrowing My Friends Car…Am I Covered?

Most people have a basic idea of what’s covered and not covered under their auto insurance. However, our agency gets a lot of questions about if someone is covered if they are borrowing or loaning a car. Now that spring is here and summer is just around the corner, you might be looking to borrow your neighbor’s truck for a ... Read More »

Are You Prepared for April 15th with the New Health Insurance Law?

As April 15th draws closer and tax season has many of us rushing to complete our tax returns, we’re faced with reporting our health insurance purchases in 2014. This year’s tax season marks the first time people will be asked for information regarding their health insurance. While this may sound scary or complicated, it may be simpler than you think. ... Read More »

Phishing – Don’t Be a Victim

When internet fraudsters impersonate a business to trick you into giving out your personal information, it’s called phishing. Don’t reply to email, text, or pop-up messages that ask for your personal or financial information. Don’t click on links within them either – even if the message seems to be from an organization you trust. It isn’t. Legitimate businesses don’t ask ... Read More »

Expensive Home Equipment Expensive to Fix

Today’s modern homes have many features and upgrades that provide comfort and entertainment to the entire family.   We begin to depend on them, but oftentimes, they let us down. Household appliances and equipment can stop working at any time. Unfortunately, repairing most of these items can be pretty expensive! Thankfully, many of today’s homeowner’s insurance policies offer an additional coverage ... Read More »

What If You Make a Mistake?

Costly mistakes can happen – even to people with the best training and years of experience.  In fact, individuals with specialty training and experience are typically held more accountable and to a higher standard in the eyes of the public and the courts. That’s why errors and omissions insurance is so important. Is your business in need of this specialty coverage sometimes referred ... Read More »

Thank YOU for Your Referrals for a Good Cause

We Love Your Referrals We wanted to take a moment to remind our friends and customers about our new referral program and to say “thank you.”  We truly appreciate your confidence in us and love it when you recommend and entrust us to your family and friends. We definitely find working with our customers a very rewarding experience! Since we not ... Read More »

52 Reasons We Love Colorado

We love Colorado! Don’t you?  We feel so fortunate to be able to live in and to operate our agency in such a beautiful, interesting and unique state.  Over the next year (52 weeks) we’d like to explore what we (and you) think makes Colorado great! It’s something most of us all have in common…our mutual appreciation of this wonderful ... Read More »

Why We Love Maroon Bells

As our agency starts our 52 Week Series: “52 Things We Love About Colorado,” we knew our number one choice would have to be the Maroon Bells outside of Aspen, Colorado. The Maroon Bells are two peaks in the Elk Mountains, Maroon Peak and North Maroon Peak, separated by about a third of a mile. They are located about 12 ... Read More »

Agent Spotlight: Greg Beehler

Greg became a licensed agent with our agency in 2008. He was born and raised in Arvada, Colorado and graduated from the University of Colorado in 1993 with a degree in engineering. He and his wife of 20 years, Tonia, are raising two boys, Ethan and Adam, in Arvada. Greg loves being involved with the sports in which his boys ... Read More »

An RSS Core Value: INTEGRITY

What we say about ourselves means a lot and we take it seriously here at RSS. One of the core values you may find on our website or on our materials is the word INTEGRITY. To us, this word speaks volumes. It’s how we do life, it’s who we are. Here’s how the dictionary defines integrity: The quality of being ... Read More »

10 Insurance Myths Revealed

Insurance is something that nearly everyone purchases. Whether you own a car or carry health insurance through your company, chances are you’ve had experience  purchasing insurance. However, insurance can oftentimes be a very misunderstood and complicated concept and product. It’s important to educate yourself on the different types of insurance and coverages available, but it can sometimes be difficult to distinguish ... Read More »

Five Ways to Get Your Vehicle Stolen

Five sure-fire ways to get your vehicle stolen  Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.  Unfortunately, even in our Denver suburbs auto theft is a big problem. ... Read More »

10 Tips to Safeguard Laptop Data

Coverage is needed if safeguards fail. Data breach, cyber attack, data piracy, skimming, hacking, security breach.  Scary isn’t it?  We’re hearing these terms in the news now on a daily basis.  Everyone – businesses, employees, and individuals are all susceptible to this kind of attack on their private information. What can you do?  Keeping your data safe in the first place is the ... Read More »

Just the Right Size

We want YOU to know us. We’d like to be known by our customers, prospective clients, and our community. During the year, we will be taking opportunities to explain in more detail some of the statements and descriptions we proudly make and believe about our agency. At RSS we like to say, “We’re just the ‘right size’; large enough to represent top-rated insurance ... Read More »

Helping Out at A Precious Child

We are so proud of how our staff joined together on Wednesday to volunteer at A Precious Child in Broomfield. RSS closed its offices early so we could help out at our Charity of the Quarter. We had such a great time serving and learning about APC!  After touring their facility, they put us to work organizing and inventorying donations ... Read More »

February Diaper Drive

Please join us in helping babies and moms in need in Colorado! In February we will be partnering with A Precious Child and will serve as a drop-off location for diapers and other essential baby items.  We would like to help keep the Resource Center at A Precious Child stocked with diapers for the smallest ones in need in our ... Read More »

Help Us…Help You

As independent insurance agents we work hard to make sure you have the right coverages at the best price possible.  In order for us to continue to keep you properly protected and at the lowest cost, we need to make sure we hear from you as your situation and life changes. Let’s face it, life is constantly changing and your ... Read More »

Love is in the Air…Who Should Insure the Ring?

Valentine’s Day will soon be here. Are you considering taking advantage of this romantic holiday to pop the question to your loved one? Purchasing an engagement ring is a big decision and can be a big investment. Have you ever considered who should insure the ring before the big day in the event she says “yes”? While not holding much ... Read More »

What If I Have a Claim?

Life happens. Accidents, storms and damage occur on a daily basis. We’d like to think it won’t happen to us, but when it does, you’ll hopefully have your insurance agent and your insurance policies in place to get life back to normal. However, right after a damaging event occurs, do you know what to do? Q. I’ve been in an ... Read More »

Don’t Miss Your Chance For 2015 Health Insurance!

**VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2015 ends February 15th! Don’t  miss YOUR chance for 2015 health insurance! You DO NOT want to miss the open enrollment period. If you would like to make changes in your health insurance coverage, you must do so before February 15th.  Also, if you do not currently have coverage, you MUST purchase coverage by this date.  IF YOU ... Read More »

Are Your Valuable Gifts Insured?

The gifts have been unwrapped and the holidays are over – Did you surprise someone with a valuable or extravagant gift in December? January is the time to make sure these special gifts are protected and insured.  Properly insuring those expensive items will bring you peace of mind and protect your investment. Follow these tips for insuring new jewelry or ... Read More »

A Precious Child: Our Charity of the Quarter

Our agency will be donating $10.00 for every referral we receive from our customers and will be highlighting A Precious Child during January through March. Did you know that the number of children living in poverty has grown faster in Colorado than anywhere else in the nation since 2000? Since it’s founding in 2008, A Precious Child, has supported kids ... Read More »

Employee Spotlight: Dena Brown

“Celebrating 25 Years!” This month marks Dena’s 25th year with RSS! She is a licensed Property and Casualty CSR for our business clients. She has been married to her husband Charlie for 28 years and they have one daughter, Brittany, who is a Social Studies teacher in Jefferson County. Her daughter is getting married in September, and Dena is keeping busy ... Read More »

Keeping Your Property Safe from Ice

As a property owner, you want to do whatever you can to welcome visitors to your home or business and keep your family, employees and customers safe. Snow and ice on walkways, roadways, driveways and parking lots can present extra challenges during winter months. Have a plan to stay ahead on snow and ice removal to minimize slips, falls and ... Read More »

2015 Charity Partnerships & New Referral Program

We are excited to announce that in 2015 we will be supporting and partnering with four local and global charities. Our goal is not only to support them financially, but to invest in them with our time when opportunities are available. The four charities we have chosen to support in 2015 are:  A Precious Child, Flatirons Habitat for Humanity, Susan ... Read More »

Operation Christmas Child Update

Wow!  We are so excited and extremely happy with how well our first year went partnering with Operation Christmas Child!  Through the generosity of our staff and our customers we were able to pack 57 boxes!! This means that through this effort 57 children in poverty-stricken countries will receive a Christmas gift possibly for the first time.  We  encourage you to learn more ... Read More »

Do Not Let Thieves Steal Your Holiday Spirit

Gift-giving season is upon us once again. Many people will spend time shopping in stores and online for the perfect gift for their loved ones. While it is easy to get caught up in the fun of it all, it is important to remember that with increased purchasing comes heightened risk of theft. Thieves are on the prowl throughout the ... Read More »

Employment Practices Liability Insurance

You can’t always prevent a lawsuit, but you can help protect your business against one. You think of your employees like family, why would they ever file a lawsuit against you? Employers don’t have to do something wrong to be sued. Unfortunately, employers still end up paying substantial legal fees to defend themselves against allegations of wrongful termination and discrimination ... Read More »

Stay Safe While Staying Warm by Your Fireplace

When the colder temperatures start to set in, many homeowners will turn to their fireplace or their wood or pellet stoves as an additional heat source. While these heating tools can provide warmth and comfort, if you are not careful, they can also be a hazard. Keep in mind the following precautions to help ensure a safe winter season. Keep ... Read More »

What is Voluntary Insurance-And Why Do Employees Need It?

A whirlwind of changes to the way health insurance in the U.S. is purchased and delivered has more Americans focused on cost and coverage than ever before. Suddenly, major medical insurance isn’t just a nice-to-have: It’s a must, much like auto and homeowners insurance are a must for those of us who drive cars or own homes. Current mandated insurance ... Read More »

Health Insurance Open Enrollment Begins November 15

It’s Time to Start Shopping Now and to Start Preparing for Next Year- **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2015 is November 15-February 15.  You DO NOT want to miss the open enrollment period. If you would like to make changes in your health insurance coverage, you must do so during this period.  Carriers have indicated that they will be auto-renewing policies effective ... Read More »

Operation Christmas Child Project

Our agency is partnering with Operation Christmas Child through Samaritan’s Purse this year to help provide gift-filled shoe boxes and to share God’s love to needy children in poverty stricken countries around the world this Christmas.  Samaritan’s Purse hopes to collect enough shoeboxes to reach 10 million children this year through the OCC project. How does our agency help? We ... Read More »

Connect with RSS on Social Media

Connect with RSS on Social Media Are you on social media? In an effort to stay connected with our clients, our agency has become social! Please connect with us in order to keep informed about what we’re up to and who we are, the latest insurances news, important information, education on insurance-related topics, or just to have fun with us. Please ... Read More »

Winter Driving Tips

All drivers need to prepare themselves for the hazards of winter-the time of year when auto accident claims increase in frequency, according to an analysis of claims incidence at Travelers, a leading provider of auto and homeowners insurance. The following measures should be taken to avoid an accident during the cold winter months: Be prepared before a storm hits: Have ... Read More »

Home Winterization

Before the temperature dips and the snow begins to fall, think ahead and take steps to get your home ready for winter weather. Inside the home Have your furnace or boiler checked and serviced by a licensed contractor at least once a year, preferably before the heating season begins. Clean or replace the furnace filter, if necessary. Have your fuel ... Read More »

Flu Prevention Tips to Help Keep Your Employees Healthy

How one sneeze can stop a business. Every year it hits-flu season. The influenza virus poses high health risks for individuals, but an outbreak at the office can also affect business operations. All it takes is one employee – one sneeze – to put others at risk and spread the virus. According to the Centers for Disease Control and Prevention, ... Read More »

Business Income Coverage: How Well Are You Protected?

Disasters happen.  Businesses temporarily close. Revenue streams dry up. Unfortunately, expenses still continue…and often rise significantly. Following a major loss, there are lot of things businesses can do without-revenue isn’t one of them. Business Income coverage increases a business’ ability to survive a substantial loss. Have you reviewed your coverage lately? Most businesses underestimate the amount of time it takes ... Read More »

VERY IMPORTANT Health Insurance Reminders

**VERY IMPORTANT** All ACA (Affordable Care Act) compliant policies will have an effective date of January 1, 2015, regardless of when prior coverage was effective in 2014. You DO NOT want to miss the open enrollment period. Open Enrollment for purchasing health insurance for 2015 is November 15-February 15. If you would like to make changes in your health insurance coverage, you must do so during this ... Read More »

Sign Up for Our Monthly Newsletter

We want to stay connected with you. This monthly newsletter will serve as a useful tool in allowing our agency to send out helpful and useful information regarding important coverage/policy information and to keep you updated about what’s new or interesting in the insurance industry. We would also like our newsletter to serve as a tool for our customers to ... Read More »

Cost Containment Certification: Easier Than You Think

Completing Cost Containment Certification provides policyholders with many benefits to their business.  Those who complete the certification often see a decrease in claim costs, a reduction in losses, and experience less severe injuries at the workplace.  Policyholders with a Cost Containment Certification also may be eligible for workers’ compensation premium discounts.  Also, certification demonstrates an organization’s commitment to protecting the ... Read More »

What Happens If You Have a Data Breach?

What is a data breach?   A data breach is a security incident in which sensitive, protected or confidential data is copied, transmitted, viewed, stolen or used by an individual unauthorized to do so. Data breaches may involve financial information such as credit card or bank details, personal health information, and trade secrets of corporations or intellectual property. The cost for ... Read More »

Home-Based Business

Do you run a business out of your home or have a hobby that earns income? Two out of every three people who have a business or hobby out of the home do NOT have adequate insurance. Most homeowners policies are not designed to cover losses from the business. CONSIDER THE FOLLOWING THAT MAY NOT BE COVERED BY A HOMEOWNERS ... Read More »

Preparing Your Home For Cooler Days

Fall foliage is beautiful, but not when it builds up in your gutters! Just a little time and some effort can prevent a lot of heartache and hassle. At Richards, Seeley & Schaefer, we know you want to protect what is important. Take these tips into account during the cool autumn months. Have your furnace cleaned and inspected annually by ... Read More »