About Denver, Colorado
Denver (/ˈdɛnvər/), officially the City and County of Denver, is the capitaland most populous municipality of the U.S. state of Colorado. Denver is in the South Platte River Valley on the western edge of the High Plains just east of the Front Range of the Rocky Mountains. The Denver downtown district is immediately east of the confluence of Cherry Creek with the South Platte River, approximately 12 mi (19 km) east of the foothills of the Rocky Mountains. Denver is nicknamed the Mile-High City because its official elevation is exactly one mile (5280 feet or 1609.3 meters) above sea level, making it the highest major city in the United States. The 105th meridian west of Greenwich, the longitudinal reference for the Mountain Time Zone, passes directly through Denver Union Station.
Denver is ranked as a Beta- world city by the Globalization and World Cities Research Network. With an estimated population of 693,060 in 2016, Denver is the 19th-most populous U.S. city, and with a 15.48% increase since the 2010 United States Census, it has been one of the fastest-growing major cities in the United States. The 10-county Denver-Aurora-Lakewood, CO Metropolitan Statistical Area had an estimated 2016 population of 2,853,077 and is the 19th most populous U.S. metropolitan statistical area. The 12-city Denver-Aurora, CO Combined Statistical Area had an estimated 2016 population of 3,470,235 and is the 16th most populous U.S. metropolitan area. Denver is the most populous city of the 18-county Front Range Urban Corridor, an oblong urban region stretching across two states with an estimated 2016 population of 4,833,260. Denver is the most populous city within a 500-mile (800 km) radius and the second-most populous city in the Mountain West after Phoenix, Arizona. In 2016, Denver was named the best place to live in the USA by U.S. News & World Report.
The short answer is “to protect your investment.” A fire or break-in could put you out of business for an extended time, or even permanently. How quickly could you re-open without insurance to cover a significant loss?
Nine Point Strategies is a specialty division of Stratton Agency, Inc. located in San Carlos, CA. Stratton Agency has been a leading provider of Insurance & Risk Management Services since 1914 and has emerged as a leading brokerage for specialty insurance placement. As a proud recipient of the Best Practices Designation by the Independent Insurance Agent & Brokers Association (IIABA) since 2009, you can be confident that you are working with a success partner that knows what it is like to be on the Top Shelf of what we do.
- General liability with limits up to $1M per occurrence, $2M aggregate
- Crop loss resulting from four physical perils: fire, theft, wind and hail
- Equipment breakdown covering loss of income resulting from malfunction, utility interruption, and more
- Business personal property such as lights, fans, RO and air filtration systems, security equipment
- Tenant improvements such as room buildout, HVAC and other electrical upgrades
- Product liability with limits matching the general liability
A comprehensive risk management program begins with a General Liability policy to protect your business against lawsuits for bodily injury and property damage to others. Contact one of our agents for a no-obligation policy review to make sure you have the coverage you need.
Another fundamental coverage is Property insurance. We provide coverage against loss from fire, theft and vandalism, protecting your investment in buildings and tenant improvements, business personal property, manufacturing equipment, inventory, crop and finished stock. Call us to discuss your Property coverage requirements.
Crop coverage is available for indoor and greenhouse grows to protect you against loss from the physical perils of Fire, Theft, Wind and Hail. For full-spectrum coverage inquire about combining Crop with Business Income and Equipment Breakdown for a complete property protection solution.
All manufacturers need a product liability policy, as a general liability policy does not protect against lawsuits filed by someone alleging harm from a product sold to them. Premiums are reasonable, especially considering the alternative: finding an attorney, paying their retainer and then watching the meter run. A better way to manage this risk is to have a product liability policy providing you with the carrier’s “duty to defend”. Given the carrier’s desire not to be found liable, a policyholder can count on a vigorous defense.
The law assumes “strict liability” for the entire chain of distribution, from the maker, to the test lab, to the retailer. And as we have seen, it is easy for people, especially naïve users, to over-consume edibles, which can easily give rise to a claim.
And while it may be true that “cannabis never killed anyone”, that doesn’t prevent people from filing suit alleging harm, in which case all parties named in the legal action will have to appear in court.
We understand that these are uncomfortable considerations, but it’s our responsibility to inform our clients so they know how to manage these risks and avoid a catastrophic loss to their business.
Nine Point Strategies knows Workers Compensation, and we understand that working with cannabis poses no greater risk to employees than most other products. Clients use our CompShield program’s systematic claims process and our in-house Safety Department to help reduce their Work Comp costs.
Helping employers with employee issues is our specialty. Whether you need an employee handbook, training or assistance with employer relations, Nine Point Strategies can help. Our experienced staff of HR professionals are ready to assist you with all your employee relation needs. From development to your cannabis operations employee handbook to consulting on harassment claims brought to you by employees, Nine Point is ready to join your team and get to work.
Employee safety and OSHA compliance is one of our specialties at Nine Point Strategies. Our experienced staff of OSHA professionals are ready to assist you with all your safety needs including all legally required programs and trainings. From development of your cannabis operations Illness and Injury Prevention Program to consulting on workers compensation claims brought to you by employees, Nine Point is ready to join your team and get to work.