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Backyard Entertaining Safety Tips

Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the backyard season, and today’s playsets involve more than a simple set of swings and a slide. Whether backyard entertaining means spending time by the swimming pool or gathered around the grill, here are some safety tips to help keep your oasis fun and free of danger. Garden ... Read More »

RSS Implements Team Wellness Program

At RSS, we believe everyone should have access to a healthy lifestyle. This belief stems from RSS owners, Aaron and Sara Hoffman,  who, over the past couple of years have consistently made fitness a priority in their life. Aaron and Sara contribute much of their success to the fitness and nutrition plan they began at the beginning of 2017, with ... Read More »

Flag Etiquette: Respect Our American Flag

As we near the fourth of July holiday, 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 unintentionally disrespecting our “stars and stripes”?  In ... Read More »

New Name & New Look at RSS This Summer!

The time has come (drum roll)…we’ve been talking about it for the last couple of years(more drumroll)…our agency is officially transitioning our name from Richards, Seeley & Schaefer to RSS Insurance Services this summer! While we truly value the foundation upon which our founders (Ron Richards, Jerry Seeley, and Ernie Schaefer) built our agency, the time has come to update ... Read More »

New Team Member Spotlight: Kimberley Trotter

RSS is excited to welcome Kimberley Trotter to the team as our newest personal lines account manager. Kimberley has lived in Colorado for 32 years and comes to RSS with 15 years of insurance experience under her belt. She has an outgoing personality and loves to help others! When it comes to her clients Kim says, “I strive for excellence ... Read More »

June Referral Program Benefiting Flatirons Habitat for Humanity!

During the month of June, for every referral we receive, we will donate $10 to our Charity of the Quarter, Flatirons Habitat for Humanity! Not familiar with our referral program? Since RSS not only loves serving and helping our clients, but also helping the community around us, we developed a charity-centered referral program  some time ago that we like to ... Read More »

What 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 »

RSS Welcomes Summer!

Hello, Summertime! With nothing but warm weather and sunny skies in the forecast, it appears summer is officially here in Colorado. If you’re lucky enough to live in our beautiful state, you know that summertime activities are endless. Whether you’re enjoying a hot dog at a Colorado Rockies’ game, listening to great band at Red Rocks or hosting a barbeque ... 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 Observes Mental Health Awareness Month

In observance of Mental Health Awareness Month this May, RSS team members have come together to support the community by raising mental health awareness and sponsoring local organizations such as Jefferson Center for Mental Health. Last week our agency was honored to support Jefferson Center for Mental Health at their 60th Anniversary Celebration. We proudly represent Jefferson Center as one ... Read More »

RSS Celebrates International Day of Families

It’s no surprise that a day celebrating family is important to us, as RSS Insurance is a family-owned business in which the principles of family play a prominent role in our everyday operations. When Aaron and Sara Hoffman acquired RSS from Sara’s father, Ernie Schaefer, they maintained Ernie’s core values by providing clients with a feeling of comfort, knowing whole-heartedly ... Read More »

New Team Member Spotlight: Christie DeFurio

Our agency welcomed Christie DeFurio to our team as our new Commercial Lines Account Executive this month! Christie has 15 years of insurance experience and is licensed in Property/Casualty insurance, as well as Life and Health.  She says she is a true “insurance nerd” and loves reviewing coverages and forms and protecting her clients and their assets. She is passionate ... 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 »

Password Security Tips to Implement Today

The Internet has connected us to a world of new experiences, enabling us to expand our boundaries well beyond our physical location. We can visit a virtual art museum, order pizza and check our bank balance, all in one online session. But as much as we can accomplish via the Internet, such experiences can be fraught with peril if we ... 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 customers ... Read More »

Customer Spotlight: Healthy Home Carpet Care

In honor of “Get to Know Your Customer Day,” we spoke with one of our client’s, Don Deleeuw, the owner of Healthy Home Carpet Care in Broomfield, Colorado. Don and his family have been providing the area with quality cleaning and repair services for 23 years. Don and his staff are committed to providing people with an exceptional experience. As ... Read More »

Avoid Medicare Card Scams

Starting this month, Medicare is sending new cards with new Medicare numbers to people with Medicare. The new cards will include a new number unique to members, instead of the current Social Security-based number. The changes were made to help protect members from fraud and stolen identity risk. However, recent news stories have reported that scams targeting seniors have arisen ... Read More »

Want to Save Money on Your Insurance? Make 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 thinking about changing your ... Read More »

RSS Supports 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 2018. 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 »

RSS Welcomes Jenna Witt to the Team

Jenna joined the RSS team this month as our newest administrative assistant. When you first call or stop into our office you will most likely be greeted by Jenna! Jenna has a super friendly personality and loves helping others and meeting people.  She truly enjoys new experiences and new challenges. She is new to the insurance industry, but looks forward ... Read More »

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 »

RSS Diaper Drive Update & Thank You!

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 2,022 diapers and 2,680 wipes! We couldn’t have done it without the generosity of our amazing customers and RSS team. Again, THANK YOU so very much! We encourage ... Read More »

How Condo Insurance Differs from Home Insurance

Know What You Own Before You Buy Condo Insurance Coverage A condominium is different from a house or an apartment – you own part of a building or a property, but not all of it. Insurance for condominium owners is different, too. Just like homeowners and renters, people who own a condo unit want to be insured against financial loss ... Read More »

RSS Volunteers at A Precious Child

We love volunteering at A Precious Child! Twelve members of the RSS team volunteered together on February 13th 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 ... Read More »

Love Is In the Air…Are You Planning a Wedding?

Are you hearing wedding bells? If so, you are no doubt in the midst of countless hours of preparation and paying out exorbitant amounts of money for this special day. But what happens if the wedding is postponed or cancelled, or if something happens to the wedding gifts? Weddings are a once-in-a-lifetime opportunity to make a couple’s day special. From ... Read More »

What to Do If You’re Involved in a Car Accident

Being involved in an accident can be a nerve-wracking, disorienting experience.  It’s upsetting and frustrating for sure, but remaining calm, rational and organized will most definitely help you manage this stressful event and possibly insurance claim.  Our agency has created an “Accident Report Guide” to assist you in gathering the information needed in the event of an accident.  While the ... Read More »

Are Insurance Premiums Tax Deductible?

You’ve probably started receiving W-2’s, 1099’s, year-end interest statements, as well as other tax documents in the mail recently. Our favorite time of year is almost upon us (read sarcasm here)…tax season.  Whether you’re a procrastinator, or ready to jump on the those tax filings right away, we will all be looking for deductions to lower our tax burden.  As ... Read More »

Renters Insurance Isn’t Just for Your “Stuff”

Clients often think they don’t need renters insurance — “Nothing I have is worth that much,” they’ll say, or “I don’t have a lot of stuff.” That’s how most people think of renter’s coverage: protection for stuff, and nothing more. After all, it’s inexpensive and it doesn’t even cover the structure itself. So how important can it be, especially if ... Read More »

Good Driver? Low-Mileage? Usage-Based Insurance Will Save You Money

If you’re a good driver who likes the idea of getting discounts on auto insurance based on low mileage and perhaps a few measurements of your driving skills, you might want to consider usage-based insurance. Usage-based insurance (pay as you drive) refers to programs where premiums are determined by how safely, and how much, customers actually drive. Most of the programs involve ... Read More »

The Winner of the $500 Visa Gift Card Is…

Congratulations to Todd Narum! We just completed our referral program drawing for our $500 Visa gift card “thank you” and he is our big winners! Thank you Todd 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 working with our ... Read More »

Choose an Insurance Agent in Four Steps

Insurance Agent, Greg Beehler

It’s Not Just a Quote, It’s a Relationship Shopping for insurance? You may think you’re simply looking for an insurance policy. But, perhaps, what you’re really looking for isn’t a “what” but a “who” – someone you can trust to guide you through the plethora of insurance choices, rather than trying to make sense of all the options yourself online. ... 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 faster in ... Read More »

It’s Time for a 2018 Insurance Check Up!

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 »

2018 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 2018 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 »

$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 2017. We definitely working with our customers a very rewarding experience!  As you may remember, as part of our referral program ... Read More »

2017 RSS Year-in-Review…What a Great Year!

As 2017 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 »

Why Should You Do Business with Me? We Asked Our Team…Here’s What They Said

RSS Insurance is a family-owned business with its foundation strongly built upon the traditional principles of integrity, honesty, professionalism, community and generosity – ALWAYS delivered with a personal touch.  As owners of the agency (Aaron and Sara), we know what our agency stands for and why we hope individuals and businesses would want to utilize our services, but we wondered, ... Read More »

How to Help Prevent Frozen Pipes

Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter. Which Pipes Are Most at Risk? Pipes that are most ... Read More »

Health Insurance Open Enrollment Ending Soon

Time is running out! You need to enroll for health insurance by January 12th  for 2018 coverage. Enrollment and effective dates are as follows: Enroll by December 15th for January 1st coverage Enroll by January 12th for February 1st coverage **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2017 ends January 12th!  You DO NOT want to miss the open enrollment period. If ... Read More »

RSS Volunteers at the OCC Distribution Center

Nine members of the RSS team (and several family members) volunteered at the Operation Christmas Child processing center in Denver on November 30th. 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 »

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 »

130 Boxes Packed for Operation Christmas Child

Our fourth 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 117 boxes for this amazing cause. We are so excited to announce that we beat that number ... Read More »

New Employee Spotlight: Malinda Murray

RSS welcomed Malinda Murray to our agency in October. She joined our team as our newest Commercial Lines Account and Certificate Manager. Malinda has over 13 years of experience in the insurance industry, as well as two years of HR management experience. She grew up in Craig, Colorado, attended college in Phoenix, and spent two years in Anchorage, Alaska, before ... Read More »

5 Things to Consider Before Flying a Drone

You unwrap your new drone, charge up the batteries and can’t wait to test it under the open skies. But there are a few things you need to know before you take flight. Unmanned aircraft are subject to Federal Aviation Administration (“FAA”) rules that govern when, how and where you can fly a drone. They also are subject to state and possibly ... Read More »

Communication is Key. Relationship is Everything.

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 »

Health Insurance Open Enrollment for Individuals Begins November 1st

It’s Time to Start Shopping Now and to Start Preparing for Next Year **PLEASE NOTE: RSS will be servicing, quoting, and renewing CURRENT individual health clients only for the 2018 health insurance period.**  Open Enrollment for purchasing health insurance for 2018 is November 1st – January 12th.  You DO NOT want to miss the open enrollment period.  If you would like to ... Read More »

2017 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 »

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 »

Do You Have Enough Insurance 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 home 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 ... Read More »

Employee Benefits Made Easy-Let Us Help You!

Customized Health Insurance & Ancillary Benefits Plans Our team of experienced professionals can develop benefits programs that make sense for your company and your employees. We specialize in all lines of employee benefits, with the experience and know-how to keep your programs running smoothly and your employees happy. Our goal is to provide high-quality benefits at the lowest possible price ... 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

*Our team packed 407 boxes of food for seniors in our community!* Their Mission: Helping hungry men, women and children thrive by providing food and essentials through their programs and partner agencies. On September 8, RSS sent a team of 14 people down to the Food Bank of the Rockies warehouse to volunteer. We spent the afternoon packing boxes of food ... Read More »

Does Your Insurance Cover Catastrophes?

What Is Catastrophe Insurance? If you have been a victim of a major weather storm like Hurricane Harvey, a forest fire, severe hail, flood or an earthquake, you have a pretty good idea of why homeowners, landlords and renters may need catastrophe insurance. These events have occurred with an alarming frequency recently. In fact, on average, about 6% of homeowners ... 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 second annual 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 food ... Read More »

There’s an App for That! RSSNow & More!

Did you know that you can have immediate and convenient access to your policy information and documents 24 hours a day, seven days a week? In the digital world in which we live, we want to give our customers as many options as possible when managing their insurance needs and questions. We will always desire to have more personal contact ... Read More »

RSS Now Offering Complimentary Benefits Administration Platform to Our Clients

Making Your Job Easier So You Can Get Back to Work! We are excited to announce that RSS has invested in an HR administration platform for our current clients called EaseCentral! EaseCentral allows employers to easily manage employee benefits, on-boarding, and compliance in one central location. The EaseCentral solution makes the process of communicating, managing, and enrolling your employees in ... 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 »

RSS Welcomes Anna Pacatte to Our Team

Please meet our newest team member, Anna Pacatte! Anna joined our team as our newest personal lines account manager. She is fully licensed in Property, Casualty, Health and Life insurance, speaks fluent Spanish, and has been assisting clients in the insurance industry since 1989. Anna moved to Colorado from Arizona in June and now lives in Northglenn. She was raised ... Read More »

RSS Proudly Supports “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 maximize ... 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 our agency has selected Food Bank of the Rockies as our third quarter (July, August and September) Charity of the Quarter again in 2017!  During these months RSS will donate $10.00 for every referral we receive ... 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 »

Register for RSSNow for 24 Hour Policy Access

We are excited to announce that our clients now have immediate and convenient access to their policy information and documents 24 hours a day, seven days a week! In the digital world in which we live, we want to give our customers as many options as possible when managing their insurance needs and questions. We will always desire to have ... Read More »

What Do I Need in a Boat Insurance Policy?

Summer is almost here and boating and water sports season is upon us! Many of us will be headed to the lake to enjoy and soak in the Colorado sun and warmer weather.  The last thing you want to do is stress out when you’re enjoying yourself out on the water. RSS can help make your time spent on your boat more ... Read More »

RSS Wins $2,000 for Food Bank of the Rockies!

We did it! Thank you everyone for liking, commenting and sharing our photo in this Facebook photo contest! You helped us win a $2,000 donation for Food Bank of the Rockies! And thank you so much to Safeco Insurance for helping us support and draw attention to charities in our community! The people have spoken and RSS is the winner ... Read More »

How Can I Protect Myself Financially From a Cyber Attack?

If you have been paying attention to the news this last week you’ve heard about the massive cyber attack  that has spread across the world, locking up computers in many, many countries with no clear end in sight, in what is being called the biggest hack of its kind ever recorded. So far these attacks have largely hit businesses and ... Read More »

Do I Have Hail Damage? What Should I Do?

It’s severe weather season in Colorado again! In fact, just recently the Denver area experienced several severe and damaging hail storms. Thousands of homes and businesses throughout the area saw extensive damage from the violent spring weather.  Were you in an area that was hit hard? If so, most likely you will have numerous roofing contractors ringing your doorbell offering ... 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, a number of RSS team members volunteered with Flatirons Habitat for Humanity  in Boulder at their Wonderland Creek project.  At this site, Flatirons Habitat is building affordable homes for four families in the Boulder area.  Families ... Read More »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »

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 »