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7700 E Arapahoe Rd., Ste. 330
Centennial, CO 80112

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Insuring Motorhomes and Other Recreational Vehicles

Thinking About Insuring Motorhomes? Here’s Everything You’ll Need to Know


  • When it comes to insuring motorhomes, there are a few types of coverage that you’ll need to consider:
    • Coverage for medical payments and bodily injury
    • Collision coverage
    • Coverage for towing and labor costs
    • Rental car coverage
    • Property damage liability coverage
    • Emergency expense coverage
    • Vacation liability
    • Replacement cost personal effects coverage

So, you’re dreaming of cruising the scenic highways of Colorado in your favorite motorhome. But before you hit the open road, there’s one thing you’ll need to take care of: insurance. While it may not be the world’s most exciting topic, it’s extremely important for avid RVers. That’s why we’re here to tell you everything you’ll need to know about insuring motorhomes and other recreational vehicles.

Why Motorhome Insurance Matters

Colorado is a land of rugged beauty, with its towering peaks, winding roads, and unpredictable weather. It’s the perfect playground for motorhome enthusiasts, but it’s also a place where accidents can happen. That’s why insuring motorhomes is so important out here in the Centennial state. Whether it’s a sudden hailstorm, a collision on a tricky mountain pass, or even theft, you’ll want to make sure you’re covered.

Basic Coverage for Insuring Motorhomes

If you’re new to insuring motorhomes, then you’re probably wondering what types of coverage you’ll need. Here are some basic types of insurance you’ll want to consider for your motorhome:

1). Coverage for Medical Payments and Bodily Injury

Safety first! You’ll want to make sure that your motorhome policy includes coverage for medical payments and bodily injury. Coverage for medical payments takes care of your medical bills, up to your limits, if you or your passengers are injured in an accident. Bodily injury liability coverage, on the other hand, helps you pay for injuries caused to others in an accident where you’re at fault.

2). Collision Damage and Comprehensive Damage

Collisions and accidents can be a real buzzkill. That’s where collision damage and comprehensive damage coverage come to the rescue. Collision coverage kicks in when your motorhome collides with another vehicle or object. Comprehensive coverage, meanwhile, covers non-collision-related damages like theft, vandalism, or natural disasters like hail. Together, they ensure your home-on-wheels stays intact.

3). Towing and Labor Costs

Towing and labor cost coverage is a must. Whether your motorhome breaks down suddenly or you just need a quick tow, this coverage ensures that help is on the way without emptying your wallet.

4). Rental Car Costs

Accidents can sometimes take your motorhome off the road for repairs. That’s when rental car coverage steps in. It helps cover the cost of renting a temporary set of wheels so you can continue your adventure while your motorhome gets back in shape.

5). Property Damage

Accidents happen. But what if your motorhome accidentally damages someone else’s property? That’s where property damage liability coverage comes in handy. It helps you pay for the repair or replacement of the other person’s property, like their car or a fence, if you’re at fault.

6). Emergency Expense Coverage

Emergency expense coverage comes to the rescue. It helps cover the costs of necessary accommodations, meals, and even transportation while your motorhome is out of commission. It does wonders for you when you hit life’s unexpected road bumps!

7). Vacation Liability

You’re on vacation to relax, but accidents can happen, and liability claims can put a damper on your trip. Vacation liability coverage steps in to protect you in case someone gets hurt on or around your motorhome while you’re parked at a campsite. It can also cover you if there’s damage to someone else’s property caused by your motorhome during your vacation.

8). Replacement Cost Personal Effects Coverage

This is one of the best ways of insuring motorhomes. Your motorhome is like your home away from home, and you’ve probably loaded it up with personal belonging, from gadgets to camping gear and everything in between. If these items are damaged, lost, or stolen during your trip, replacement cost personal effects coverage helps you replace them with new items of similar quality. So, if your camera gets soaked during a sudden rainstorm or your camping gear mysteriously disappears, this coverage ensures you won’t be left high and dry.

Get Rolling with Avalue Insurance

When it comes to insuring motorhomes, our insurance experts are the best in Colorado. At Avalue Insurance, we specialize in helping RVers find the perfect policies for their motorhomes. We’ll make sure your rig is covered from bumper to bumper. So, if you’re a weekend warrior, a full-time RVer, or anything in between, we’ve got you covered.

Ready to get started? It’s quick and easy! Contact Avalue Insurance today, and let our experts help you protect your favorite recreational vehicle. Request a consultation right here online today, or give us a call at (303) 773-3332 to speak with an insurance professional right away!

What are the Workers’ Compensation Laws in Colorado?

Colorado Workers’ Compensation Laws: What Business Owners Need to Know


  • Here are the workers’ compensation laws of Colorado that every business owner should be aware of:
    • Workers’ compensation insurance is required by law in Colorado when you hire your first employee.
    • Independent contractors might still be considered employees for workers’ comp purposes, so be cautious about misclassifying them.
    • Sole proprietors and partners aren’t required to have workers’ comp on themselves but can choose to opt in.
    • LLCs need to cover their employees but not necessarily themselves. Corporate officers can opt out but should consider coverage.
    • Agricultural and casual labor businesses must provide workers’ comp if they have more than 5 regular employees or 100 or more days of agricultural labor in a year.

Running a business is no walk in the park. You’ve got enough on your plate with endless paperwork, demanding customers, and the ever-changing landscape of business regulations. But let’s talk about something crucial that you absolutely can’t afford to overlook: workers’ compensation insurance.

But do you have to have workers’ compensation insurance? What are the workers’ compensation laws in the state of Colorado? Let’s talk about it!

Workers’ Compensation Laws: When is it Required by Law in Colorado?

When is workers’ comp required by law in Colorado? The answer: pretty much all the time, unless you’re a one-person show or an LLC with no employees. For the rest of us, it’s a must-have.

Here are a few things to keep in mind when considering workers’ comp insurance:

1. If you have one or more employees, then you probably need workers’ comp.

According to Colorado’s workers’ compensation laws, you’ll need workers’ comp coverage even if you only have one employee! Whether they’re full-time, part-time, seasonal, or minors — if they’re working for you, you’ll need to protect them with workers’ comp insurance. This is the only type of coverage that will offer them financial protection in the event that they are injured on the job. So, not only is this a wise decision on your part, it’s also a great way to make your employees feel a lot safer on the job.    

2). Don’t get sucked into the “independent contractors vs. employees” trap.

Now, here’s where it gets a bit tricky. Colorado, like many other states, is clamping down on businesses that try to label workers as independent contractors to dodge workers’ comp responsibilities. The state is pretty serious about this, so be careful not to misclassify your employees. If someone’s primarily doing work for your business and isn’t an independent business themselves, they’re probably your employee.

3). Rules for sole proprietors and partners.

If you’re a sole proprietor or a partner in a business, you’re not required to carry workers’ comp on yourself unless you opt-in. However, it might still be a smart move to protect yourself.

4). Rules for LLCs and corporate officers.

If you’re an LLC, you must cover your employees but not yourself. For corporate officers, the story’s a bit different. If you’re an officer and you own at least 10% of the corporation, you can choose to exclude yourself from workers’ comp coverage. But honestly, why would you? Accidents can happen to anyone, so it might be wise to cover yourself too.

5). Rules for farm labor and casual workers.

If you’re in the agricultural or casual labor business, things are a bit different. You’re required to provide workers’ comp if you have more than 5 regular employees or 100 or more days of agricultural labor in a year.

Chat with a Workers’ Comp Professional Today

Navigating workers’ compensation laws can be tricky, especially if you’ve never done it before. The good news: you don’t have to do it alone.

Avalue Insurance is your go-to partner for all things workers’ comp in Colorado. We understand the ins and outs of the state’s laws, and we’re here to make workers’ comp a lot simpler. Request a consultation today to get started!

To speak with an agent right away, give us a call at (303) 773-3332 or email us at:

Best Business Insurance for Small Businesses

Protecting Your Legacy: The Best Business Insurance for Small Businesses


  • Looking for the best business insurance for small businesses? Here are the top three types: 
    • General Liability Insurance:
      • Essential for all small businesses
      • Covers third-party injuries, property damage, and advertising injuriesActs as a safety net against unexpected situations and lawsuits
      Commercial Property Insurance:
      • Safeguards physical assets, including buildings, contents, and business interruption
      • Protects against perils like fire, theft, vandalism, and natural disastersEnsures a quick recovery in case of asset compromise
    • Workers’ Compensation Insurance:
      • Required for businesses with employees in most states
      • Covers medical expenses, lost wages, and provides legal protection
      • Demonstrates commitment to employee safety

As a small business owner, you’ve poured your heart and soul into building your dream venture. Whether you run a cozy cafe, a tech startup, or a boutique store, your business is not just an investment; it’s a part of who you are. But as you navigate the unpredictable journey of entrepreneurship, it’s essential to safeguard your hard work and dedication. That’s why it’s important to find the best business insurance for small businesses.  Let’s explore the three best types of business insurance that will help you protect your small business.

What’s the Best Business Insurance for Small Businesses? Here are the Top 3 Types:

1). General Liability Insurance

General liability insurance is arguably the best business insurance for small businesses. Every small business owner should consider it a fundamental necessity. This insurance type offers protection against a wide range of common risks, including:

  • Third-party injuries: If a customer slips and falls in your store or office, sustaining an injury, general liability insurance can cover their medical expenses and protect your business from costly lawsuits.
  • Property damage: Accidents happen, and if your business unintentionally damages someone else’s property, this insurance type can cover the costs of repair or replacement.
  • Advertising injuries: If your advertising efforts inadvertently lead to defamation, copyright infringement, or slander claims, general liability insurance can protect your business from legal consequences.

2). Commercial Property Insurance

Your business’s physical assets are invaluable, from your storefront or office space to your inventory, equipment, and furnishings. Commercial property insurance is designed to protect these assets from things like fire, theft, vandalism, and certain natural disasters.

Here’s what it typically covers:

  • Buildings: If you own the property where your business operates, commercial property insurance can cover damages to the structure itself, including walls, roofs, and floors.
  • Contents: This includes everything within your business premises, such as inventory, machinery, office furniture, and even personal belongings if they are essential to your business operations.
  • Business interruption: In case your business operations are temporarily halted due to a covered event, this insurance can compensate for lost income, ongoing expenses, and the costs associated with temporary relocation.

3). Workers’ Compensation Insurance

If your small business has employees, then workers’ compensation insurance is not just a good idea; it’s typically required by law in most states. This insurance type is crucial for protecting both your employees and your business in the event of workplace injuries or illnesses.

Workers’ comp covers things like:

  • Medical expenses: It pays for medical treatment, rehabilitation, and medication required to treat work-related injuries or illnesses sustained by your employees.
  • Lost wages: If an employee needs time off work to recover, this insurance can provide partial wage replacement, ensuring they have financial support during their recovery.
  • Legal protection: In exchange for workers’ compensation coverage, employees generally waive their right to sue their employer for workplace injuries, which can protect your business from costly lawsuits.

Chat with an Agent About Protecting Your Business Today

Navigating the world of business insurance can be daunting, especially when you’re focused on running your small business. That’s where we can help! We understand the unique challenges that small businesses face, and we’re here to help you find the right insurance solutions tailored to your specific needs. Contact us today, and let us help you find the best business insurance for your small business!

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