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Insurance to Help Protect You

Let your legacy thrive with Lakeside Insurance.

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We are independent agents helping you find better coverage

We work with businesses that aim to be the best-in-class.

We help manage, mitigate, and reduce your costs of risk.

With LIRA365® we deliver an effective strategy.

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About Lakeside Insurance

Lakeside Insurance is a Trusted Choice independent insurance agency headquartered in Broomfield, CO. We have experience in commercial insurance for any size business and work with clients that have a best-in-class mindset within their respective industries. To help protect your unique lifestyle, we can also handle your personal insurance needs, including high net worth, home, and auto insurance. We are licensed in over 40 states and represent many respected insurance companies across the nation.

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Our LIRA365® Process

As an independent insurance agency, we are dedicated to delivering a personal experience and use a consultative approach to help you manage and mitigate risk. Through our unique proprietary process, LIRA365®, we provide a results-driven, step-by-step approach to simplify and streamline your risks. Whether it’s business insurance or personal insurance, our team is here to help protect everything you’ve worked for. Get in touch today to connect with us and learn more.

Why Go Independent?

What is our secret formula?

From reducing the overall cost of risk to improving your overall risk exposure, LIRA365® is a unique proprietary process. Through our LIRA365® formula, you will see how we distinguish ourselves from all other insurance agencies.

How does it work?

Through a five-step process, you learn about your business, evaluate your current situation, and design a program that mitigates, transfers, or retains various risks. Following that, we continue to monitor your account throughout the year to minimize future risks.

What makes us different?

We are your insurance resource, and add an outsourced and experienced insurance agent to your executive team who utilizes our proven, results-driven approach, LIRA365®. As licensed agents, we are responsible for empowering you to make a solid choice for your company.

The Solution to Your Insurance Needs

Lakeside Insurance offers a variety of business insurance and personal insurance solutions to help you protect what matters most.

Work Safety
Pre-Hire Physical
Risk Factor

Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.


Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Education and Injury Reporting
Risk Factor

Oftentimes employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.


Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.

Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.


You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Return to Work Program
Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.


As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Payroll Audits and EMR
Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.


Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Medical Provider Communication
Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.


Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Safety Training
Risk Factor

Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.


Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.

OSHA Inspections
Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?


OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.

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Discover Lakeside Private Client

Select members of our team specifically focus on Lakeside Private Client, an exclusive group dedicated to working with high-net-worth individuals. With our guidance and experience, we can help innovate insurance packages with a consultative approach, which accommodate and help protect your unique lifestyle. Learn if you qualify.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to Lakeside Insurance.

“They sincerely try to develop a long-term relationship with you, where they know you personally, and you become a member of the Lakeside Insurance Family.”

Mike M.

“Not only does your agent work hard to get you the best price possible, but they are also always courteous and extremely prompt with anything questions or requests.”

Heather O.

“Not only do they provide insurance information and recommendations but they provide great business advice on what to expect and how to be prepared for it in the future.”

Thomas W.

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Manage Your Policies

Already a client of Lakeside Insurance? Visit our Service Center to make requests and manage your insurance.

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An Independent Agency Gives You Options

We proudly represent Safeco Insurance, Chubb, and more!

We offer a robust selection of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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