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CTL|Thompson Doubles Office/Lab Space to Acommodate Expanded Engineering Capabilities – Engineering firm celebrates 21 successful years in Colorado Springs










Colorado Springs, CO (PRWEB) April 14, 2005

CTL|Thompson (CTL|T), a consulting firm specializing in geotechnical, materials and environmental engineering, and construction testing and inspection, has increased the size of its Colorado Springs office location, reflecting its growing presence in southern Colorado and expanded engineering capabilities.

Located at 5170 and 5240 Mark Dabling Blvd., CTL|T has added 5,000 square feet of office and laboratory space to its existing 10,000 square foot location. The Colorado Springs office opened in 1984 with just three employees. They now support large commercial and residential projects with more than 60 technicians, engineers and office staff.

The expanded space has allowed consolidation of the engineering services and the soils testing laboratory into one building, with field operations and the materials testing laboratory in an adjacent building.

In its 21-year history, CTL|TÂ?s Colorado Springs office has serviced more than $ 1 billion worth of construction and infrastructure improvements in the Colorado Springs area.

Notable local projects include runways at the Colorado Springs Airport, multiple projects at the Broadmoor Hotel, University of Colorado, Colorado Springs, and Colorado College, the Olympic Training Center, the World Arena, and the Progressive Insurance Office Campus. In the residential sector, CTL|T has acted as soils engineer for the Briargate, Meridian Ranch, Northgate, Stetson Hills and numerous other developments. Currently, the firm is providing services for the Memorial Hospital North campus, the renovations at Sky Sox Stadium, and the Science Canyon School for School District No. 20. The company has participated in an estimated 75 percent of land development and 40 percent of residential building permits in El Paso County annually.

Over the past 34 years, CTL|Thompson has built a reputable firm known regionally for its expertise in geotechnical, materials and environmental engineering and testing. CTL|T is based in Denver, Colorado, with additional offices in Colorado Springs, Glenwood Springs, Fort Collins, Crested Butte and Pueblo, Colorado, and Dallas and Austin, Texas. For more information, please visit http://www.ctlt.com or call 719.528.8300.

Contact: Elizabeth Baugher, Freeman Wall Aiello Public Relations, 303.232.3870

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When taking a trip to the mountains, you want to make sure to do a number of things to stay safe. Colorado Springs offers some of the best excursions and outdoor opportunities that you can find anywhere in the United States, but these things are not without their own dangers. You will just have to embrace these dangers if you really want to experience nature the way that it was meant to be experienced. You do not have to be helpless, however. You can get Colorado Springs insurance that will help you to be protected even from the things that you cannot expect.

The first type of insurance that you will want is medical coverage. This will help you if you trip and fall while you are hiking and break your ankle. It can pay for the people who have to come and get you and transport you to the hospital. It can pay for the drugs that you have to take while you are there and the bandages that are required to help you heal. It can also pay for the doctor’s charges and anything else that is incurred while you are in the hospital.

After that, you will want to think about Colorado Springs insurance for your car. It can be very fun and exciting to take an off-road vehicle back in the forest and drive around in places where there are few roads. This does raise the chances that you will crash quite a bit, however. You will be driving in an uncontrolled environment and it will be impossible to predict everything that can happen. Your car could hit a tree, a rock, or be swept up in a river or bog. You want to have a policy that will pay to get it fixed.

Finally, you should consider insurance on the things that you bring with you if they are very expensive. Some hiking and camping gear can cost thousands of dollars. If you want to do something even more extreme, something like rock climbing, you will need specialized gear. If you lose any of this or break it, you may not be able to replace it with money out of your wallet. While this type of coverage is not for everyone, it can be very helpful if you are in a situation in which many expensive items could be ruined.

All told, there are a few types of Colorado Springs insurance that you should look into, but not so many as to be overwhelming. With a little bit of time and work, you can get the policies that you need. With them in place, you can experience the great outdoors without any sense of stress.

Please visit our website here for more information or visit our blog. Thank you.


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Apartment and condominium dwellers are susceptible to the accidents caused by other people living in very close proximity.  A kitchen fire three floors away can result in damage to personal property as the fire spreads, and the water that is used in the attempt to extinguish it.  Without renter’s insurance in Colorado Springs, the belongings will be lost without the owner having a way to recover the expense of replacing anything.  Building insurance will cover the loss incurred by the owner of the facility, but the cost of replacing belongings, additional living expenses, and any liability that would cover the renter is not covered except by a renter’s insurance policy.

Whether personal belongings are destroyed by fire, lightning, wind, hail, or explosion, the standard renter’s insurance policy will pay to replace the contents of the residence.  Loss caused by theft, vandalism, riot, and malicious mischief are also covered without additional policy riders having to be purchased.  When too much ice and snow accumulates and causes the building to collapse, personal belongings will be replaced under the policy benefits.  If a power surge causes damage by starting a fire, most of the contents are covered, but if the electricity causes internal damage to electronic equipment, replacement of that equipment is not paid for through the standard renter’s insurance policy in Colorado Springs.

Within the standard coverage verbiage written in the insurance paperwork, provision for temporary living expenses is included.  Many apartment complexes that are damaged by fire will take more than a year to rebuild so the insured is encouraged to simply move to another complex.  If a minor problem causes the resident to need a short stay in a hotel, the policy coverage will pay the expenses.

When a friend falls and suffers an injury inside the apartment, the standard renter’s insurance in Colorado Springs will cover the expenses incurred up to the policy limit.  Even if the injured person decides to sue the insured, the policy will cover the court costs and the settlement amount up to the stated policy limits.

Renter’s insurance premiums vary by the attributes of the coverage including whether the payout is based on actual value or replacement cost.  The policy that pays the replacement cost of the belongings will be slightly more expensive.  Carrying a higher deductible can lower the premium, but the renter must know for sure that the deductible is affordable.  Certain locations will raise the premium for the policy because of risk levels within the neighborhood.  In higher crime areas, insurance companies will charge higher premiums to cover incidents that are more frequent.  Earthquake and flood damage are not covered under standard renter’s insurance, but both types of coverage can be purchased under special policies.  Research the area and make the effort to find a reputable insurance company and then purchase adequate coverage for your personal belongings.

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There are a number of kinds of Colorado Springs insurance policies available. However, two of the most popular ones are home and car coverage. This article will focus on the latter. Home insurance is there to cover the house if anything happens to it as a result of natural disasters, as well as fires.

The majority of plans will pay for any damage produced to the overall structure, and in some cases the possessions inside the house as well. However, special events like flooding and earthquakes are not in most regular policies, and you need to get them as add-ons to the policy if you want them covered. In addition, in many instances home insurance will pay for your short-term living arrangements in the event your home is deemed unlivable. In addition, in most instances the coverage pays for liability costs as well, should someone be injured at your house.

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Despite how comprehensive they are, some people believe home insurance is not necessary. First, if you want a mortgage from a Colorado based company, you will be obligated to have this coverage. However, even if you are paying 100% of the home costs upfront, you still might want home insurance. It is not as expensive as you think, and there are things you can do to save money on Colorado Springs insurance. Here are two tips that work:

#1) Raise your credit score

It is a well-known fact that people with a higher credit score pay lower interest rate. If your score is lower, you can still get a mortgage. However, it will probably be by a subprime lender who will charge you a higher rate. If you have a good credit score, you can usually obtain financing from more traditional lenders like a bank, and thus pay a lower interest rate.

To raise your score, make sure you fix all mistakes on your credit report, as well as pay down your debt. Just make sure that you keep your credit cards open. If you pay your credit card off and close it, you just eliminated all that available credit you could have had. Lenders like people with more credit, because they are more likely to pay them back.

#2) Get fire and smoke detectors

This obviously makes it more likely that you will catch a fire in time, before it causes damage to your home. Since fires are one of the biggest threats to home insurance firms, this can really save you a lot of money.

In other words, home coverage is one of the most important kinds of Colorado Springs insurance to get. However, you do not have to break the bank to get it. Implement these two tips, and you will save money.

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Anyone looking for Colorado Springs insurance will certainly want to find the best prices available for the type of insurance they need. There are many different types of insurance, from auto insurance, homeowner’s insurance and renter’s insurance to many kinds of business insurance including errors and omissions policies and many others. Knowing the right type of insurance for your particular needs can sometimes be confusing, but it is extremely important that you have the proper coverage in the event of an accident, illness or some other event that could cause a catastrophic or serious financial hardship. It doesn’t take much for someone to lose everything if they do not have the proper insurance coverage.

For example, the business professional who does not have errors and omissions insurance runs a big risk of being sued if a client or customer suffers financial damage due to an inadvertent mistake or omission by the professional. This might be some important fact that was not disclosed. In fact, the professional may not even have known about it themselves; maybe a fax was misdirected or a phone message was missed. It doesn’t really matter, if an important piece of information is accidentally missing and the client suffers because of this, the professional can be found at fault. Depending on the situation and the damages suffered, the financial setback could be devastating. In fact, it could be enough to financially ruin not only the business, but the professional as well. However, carrying a relatively inexpensive policy that covers errors and omissions would have protected this professional and would have even provided the financial resources for defending the lawsuit.

This is just one example of how Colorado Springs insurance could help an individual by protecting them from financial ruin. Another very common occurrence is a home fire or even tornado or water damage. A home could be completely destroyed by fire taking everything the homeowner has including their clothes and other personal possessions. If the homeowner does not have insurance, they will be in a very difficult position financially. Not only will their house and possessions be destroyed, but they have nothing to help them rebuild.

Carrying the right kind of insurance to cover an individual’s specific risks is an essential part of sound financial planning. Many people might think that they will save themselves a few dollars and pass on some types of insurance coverage, but if a catastrophe should hit, they will likely find that they are financially ruined. This can be a very difficult situation to overcome and the price of an insurance policy can help protect from this kind of devastation.

Choosing Colorado Springs insurance is a good way to ensure that the necessary coverage is in place to protect against the hardships of finding yourself in one of these situations. The best way to be sure that you are adequately protected is to meet with an insurance professional and go over your particular situation. Everyone is unique and has their own specific insurance needs and an evaluation or consultation with an insurance professional can help you understand your particular risks and how to best insure against disaster.

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If you are taking a trip to Colorado Springs to go skiing or camping, you will probably want to take out a few different Colorado Springs insurance policies. These will do two things for you, both of which will provide you with a more relaxing, stress-free vacation. First, they will protect your investments so that you get your money back if something goes wrong. Second, they will give you the peace of mind that only comes with knowing that every situation has been planned for and prepared for as well as possible. This will let you sit back and just have a good time.

The first type of insurance that you will want to have is insurance on the things that you are bringing with you. The gear that is required for both camping and skiing can cost quite a bit. This seems fine when it is just sitting in your home, safe and sound. When you get out in the real world, you never know what can happen. Your things could break, could be stolen, or could just become lost. No matter what happens, a coverage policy will make sure that they are not gone for good.

The next type of Colorado Springs insurance that you should look into is traveler’s insurance. This will reimburse you if something happens that prevents you from going on a trip that you have already paid for. It can provide you with the money that you have spent on your flights, your accommodations, or anything else. This way, you will not be out thousands of dollars if you become sick or injured and are not able to go on your vacation. You can simply get the money back and plan your vacation for a later date when you are feeling up to it.

After that, you might want to consider health insurance. There are certain dangers that come along with a trip to have outdoor fun. You could crash and break your leg while you are skiing, for example, or you could twist your ankle while hiking in the forest. Even if you have done these things before without injury, it cannot hurt to plan ahead. Taking out a health insurance plan before you go will make it so that you are not worrying for the entire trip about what may happen to you.

In total, Colorado Springs insurance can offer you quite a lot on your next vacation. To leave without looking into the policies would not be fair to yourself. You can get many of these policies for rather low rates, especially if you pose a low risk to the insurance company, so you should start the process by getting some quotes.

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Colorado Springs is one of the odder American cities, quite well known to all residents of the state but usually forgotten by those living in other areas. This is a shame, as there is a wide range of business opportunities in the city, and quite a number of professionals both established and new make the area their home. With such a vibrant professional community, it is no wonder that one of the most necessary types of Colorado Springs insurance is professional liability insurance. It is a necessary way for a professional of any experience level to protect not only their assets, but their career and practice as well.

Colorado Springs insurance professionals may refer to professional liability insurance by a number of titles. For those in the medical and therapy fields, it is generally called malpractice insurance. Lawyers and money managers generally refer to it as liability insurance, while real estate brokers might refer to it as errors and omissions insurance. In any case, a client uses this sort of insurance to help protect any person that provides a service from claims. One does not have to be bad at their job to have a malpractice claim filed against them, as a client may file an unsubstantiated claim, file based on a mistake, or even file simply because they are not satisfied with the outcome of their professional arrangement. With this in mind, it is a necessity for any sort of professional to insure himself or herself against the whim of the client. Liability insurance, especially for those that are new in the field or who have not had any claims against them, is actually quite cheap. and most companies offer very thorough coverage for under two hundred dollars a year. This price is incredibly low, especially when one may consider that the typical coverage is for hundreds or thousands (if not a million) dollars for an individual claim.

Colorado Springs insurance companies are typically quite good at providing a variety of different sort of professional liability insurance. As with car and home insurance, it is often quite important to find a policy that fits your specific needs. Always remember to talk to an agent about your coverage, as they may know of products that you did not even realize were necessary for your job. Try to remember that, as any sort of professional, your career is always in the hands of your clients. A simple mistake can ruin a career, and this does not need to be magnified by massive financial losses. Do your best to get insured as early on in your career as possible, and then you can spend your time concentrating on the more important things in life.

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Insurance is one of those necessary evils that no one likes to purchase but everyone loves when they get to make a claim.  Many different types of insurance exist and coverage terms, conditions and other factors very greatly depending on the region of the world that individuals live in.  For example, a person buying Colorado Springs insurance will have a much different experience than the same person purchasing coverage in Alaska.  

Auto insurance

The first type of insurance that many people encounter in their lives is some type of vehicle insurance.  It is required by law in every state to have auto liability insurance at the very least.  This type of coverage generally protects people from having to pay thousands of dollars out of pocket for auto accidents, especially if those events end in litigation or high medical bills for one or more parties.  Deductibles or the amounts that the insured must pay in the event of a claim are very low compared with the amount paid out by the company.  Coverage will vary in cost and scope depending on the region a person lives in, the type of car being insured, characteristics of the driver, driving habits, and other factors.  

Home or renters insurance

These are other types of coverage that individuals will most certainly encounter at some point in their lives.  Homeowners insurance is just what it says it is, coverage for a home.  Renters insurance however is a little different and is for people who want coverage for items contained in their dwelling when they do not own the actual structure that all their stuff is in.  Renters insurance protects the contents of an apartment or other leased property but not the property itself.  Homeowners insurance generally does both.  Individuals who have a mortgage on a property are required by their lender to maintain an insurance policy on the property.  Once a home is paid off this is no longer required although highly advisable.  Factors like location are very important to insurance companies when it comes to a home because of its fixed and somewhat vulnerable nature to the elements.  Purchasing Colorado Springs insurance for example may mean coverage for different types of hazards than another region of the country such as New Orleans, LA, which experiences frequent hurricanes.  

Travel insurance

If there is something of a monetary nature to be protected, there is surely a type of insurance for it.  Such is the case for a person’s vacation plans.  People spend a lot of time and money planning vacations and it is very common for planes to get grounded, excursions to get canceled or medical emergencies to happen while people are away from their home support network.  Travel insurance can help to cover or recover costs associated with these events.  Many travel agencies sell travel insurance policies when people book trips.  These policies can help to repay individuals if flights or cruises are canceled or pay for a hospital stay while the person is on vacation.  

Virtually any time there is a risk of loss it is a good bet that there is some type of insurance policy that can be purchased for it.  Any kind of insurance policy that a person buys will vary based on location and a variety of other factors related to the individual and to the type of item, tangible or intangible, being insured.  For instance, buying Colorado Springs insurance for car may cost more than buying the same type of coverage in De Moines, Iowa.

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There are many things to consider when looking at any insurance company Colorado Springs has to offer.  The first thing that must be determined is what type of coverage is needed.  All vehicle owners will need auto insurance; homeowners may not want to protect their homes; and people who run businesses may need to provide health insurance for their employees.  Insurance policies can be customized to fit all kinds of needs no matter how much or little coverage ones needs.  This is why it is important to go with a company that understands specialized insurance needs.

For instance, professionals need protection beyond general commercial liability coverage that may only protect the business’ assets.  Errors and omissions insurance will help protect a professional with or without a small business in the event of a dispute with a client.  Even if a claim is ruled in the professional’s favor, the legal defense fees must be paid.  This policy also helps the professional keep his or her reputation.  Some states require this kind of insurance, so each industry must determine what kind of coverage is needed.

Many may also look for an insurance company Colorado Springs has that carries catastrophic health insurance coverage.  This special kind of insurance has a higher premium rate than other health insurance policies, but it covers a person in the event of an accident or other unexpected illness.  This policy is ideal for those who do not anticipate regular doctor visits and are generally healthy.  Otherwise, one should look into other options when it comes to health insurance policies that fit with his or her lifestyle and means.

Auto insurance is required by everyone who lives in the state of Colorado and owns a vehicle.  Many people decide to get coverage beyond that required by state law.  If one needs coverage beyond a basic state minimum package, he or she really needs to look at companies that offer discount or special rates for special circumstances.  For example, some companies may offer courses or seminars in defensive driving that will merit policyholders discounts upon completion.  Others may even give a break in the premium if a policyholder carries more than one type of policy with the company.

When trying to decide upon an insurance company Colorado Springs residents can rely upon, it is important to determine one’s insurance needs before setting out on a long journey.  If the task seems a bit too daunting, hiring an agent or broker is always an option.  Brokers not only know their ways around insurance but also have direct ties to the insurance companies.  Whether with a broker or alone, it is indeed possible to get a policy that fits within one’s means.

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If you are renting a home or an apartment in Colorado Springs, it is important to educate yourself on renters insurance.  While renters insurance is generally not required by most property managers, there are those who will require at least a minimum amount of liability insurance to sign a lease.  Even if you are not required to carry renters insurance Colorado Springs coverage, you should educate yourself on the benefits of carrying this type of home insurance policy.  Just because you do not own the property you live in does not mean you are not at risk.  Renters who choose not to carry renters insurance could lose everything they own left to manage on their own.  Because these policy forms are so affordable and will qualify you for discounts, you should realize the importance of carrying renters insurance.

Personal Property

Rather than covering the dwelling, the main purpose of a renters insurance policy is to cover your belongings.  Personal property coverage will pay for loss or damage to your belongings that are not attached to the dwelling permanently.  Policyholders have the option to choose the amount of personal property coverage they carry.  The premiums you pay will increase if you choose higher personal property limits or if you have previous claims on your claims history record.  You can adjust your premiums by choosing a higher deductible.  Renters will be responsible to for losses that fall below their deductible.

Liability Insurance

Liability Insurance is also extremely important.  Just because you do not own the property, does not mean you cannot be found legally liable for injuries or damage to someone else’s person or property.  Liability coverage in a renters policy will pay if you are found to be unintentionally negligent and will also pay for legal defense costs and settlements.  While the standard renters insurance Colorado Springs contract offers 0,000 of coverage, policyholders can elect to raise this limit for additional premium and additional protection.

Loss of Use Coverage

If the building you live in is damaged and you are unable to reside there while it is being repaired, loss of use coverage will pay for the increased cost to stay in a temporary residence or hotel.  While some policies have a dollar limit on this coverage, others will have a time limit up to 24 months.  This coverage will also pay to replace your food or clothing if you cannot access them in your home and must buy replacements.

While these are only three of the coverages listed on a renters insurance policy, they are extremely important.  Protect yourself against unforeseen claims and take a proactive step to prevent hardships.  Because renters policies are very affordable, there is no reason to risk not being covered.

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