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Frequently asked questions

What is the difference between a Captive Agent and an Independent Agent?


The difference is freedom of choice! Most Captive Agents only have one Carrier’s products to offer where Independent Agent’s like myself have multiple Carriers! This means I have the freedom to “shop” the market until I find you a product that fits your needs and your budget. I have over 30 different Carriers to choose from instead of just one which means freedom for you to pick the product right for you.




What services do you offer?


I insure all commercial products such as Commercial General Liability,
Commercial Package, Commercial Auto, Builders Risk, Inland Marine,
Professional Insurance, E&O, D&O, Surety bonds, Workers Comprehensive & any
other type of business insurance.




What do you specialize in?


I specialize in Commercial Insurance for small, mid-size and large businesses.
I can insure all types of businesses.




How can I contact you after hours if I have a claim?


If you look on the Declaration page of your policy, there will be a claims number you can call 24/7 or file the claim online through the company’s website..You can also send me an email atHeatherHoelting@COSpringsInsurance.com.




What do I do if I have a claim?


The most important thing to do is to stop further damage if possible. If you have a water leak, turn off your water supply & try to dry the area with towels or fans. Call a service professional like a plumber or a water restoration company if necessary. Contact me or your insurance company to check to see if the claim is covered or to file a claim.




I don’t see the question I was looking for.


Please send it to me & I’ll add it to this page! Use any of the links on my
website to email your question to me & you’ll get an answer right away.




How do I reach you?


My phone is 719-694-8788. Please call me anytime or send me an email to HeatherHoelting@COSpringsInsurance.com.