Name: Avalue Insurance
Address: 7700 E Arapahoe Rd., Ste. 330, Centennial, CO, 80112
Telephone: 303-773-3332

Centennial Business Owners Shouldn’t Overlook Employment Practices Liability Insurance

Posted on July 31, 2025July 28, 2025 by admin

Running a business means managing not only operations but also relationships with employees. As workplace dynamics evolve, so do the risks associated with employment practices. Claims of wrongful termination, discrimination, or harassment can arise unexpectedly, even in the most well-intentioned businesses. Employment Practices Liability Insurance (EPLI) is a crucial safeguard for Centennial business owners, offering protection against these potentially costly and reputation-damaging claims.

Understanding the Risks of Employee-Related Claims

Employee-related claims can happen to businesses of any size or industry. Whether it’s a misunderstanding during the hiring process or a dispute over workplace policies, these situations can escalate quickly. Centennial businesses, especially those experiencing growth, are particularly vulnerable as they navigate expanding teams and new roles. EPLI provides coverage for legal defense costs, settlements, and judgments, ensuring your business is protected from financial strain.

Why Centennial Businesses Are at Risk

Centennial, CO, is home to a diverse range of businesses, from tech startups to retail stores. As the city continues to grow, so does its workforce. With more employees comes a higher likelihood of disputes or claims. Additionally, Colorado’s employment laws and regulations can be complex, making it essential for business owners to stay compliant. EPLI helps Centennial businesses manage these risks, providing peace of mind in an ever-changing legal landscape.

How EPLI Can Save Your Business

Without EPLI, a single claim can lead to significant financial losses and damage to your business’s reputation. Legal fees alone can be overwhelming, not to mention potential settlements or judgments. EPLI ensures that your business has the resources to handle these situations effectively, allowing you to focus on what matters most: running your business. At Avalue Insurance, we work with Centennial business owners to find the right coverage for their unique needs.

Tailored Coverage for Centennial Businesses

Every business is different, and the risks you face depend on your industry, size, and operations. Whether you’re a small startup or an established company, EPLI can be customized to fit your needs. At Avalue Insurance, we understand the challenges Centennial businesses face and are here to help you navigate them with confidence.

Don’t Wait Until It’s Too Late

Employment-related claims can happen when you least expect them. Protect your business today with Employment Practices Liability Insurance. Contact Avalue Insurance to learn more about how EPLI can safeguard your Centennial business and ensure its long-term success.

Contractor Insurance Tips for Colorado’s Construction Boom

Posted on July 29, 2025July 29, 2025 by Emilie Hagopian

If you’re a contractor in Colorado right now, then you already know that we’re in the middle of a major construction boom. From new homes in Centennial to commercial buildings going up across the Front Range, there’s no shortage of work. But with big opportunity comes big risk. And having the right insurance can mean the difference between a project that builds your reputation… and one that puts your business on the line.

Here are a few key tips to help you lock in the right coverage for your crew, your clients, and your peace of mind.

You Might Not Need a Full BOP (and That’s Okay).

A lot of business owners are sold on Business Owner’s Policies (BOPs) because they bundle several coverages together—like property, liability, and business interruption. But as a contractor, you may not need all of that. Why pay for coverage you’ll never use?

Instead, many Colorado contractors can opt for standalone general liability insurance, which gives you the core protection you need without all the extras (and often at a lower rate). It’s tailored, streamlined, and focused on the unique risks contractors face every day.

General Liability is Your First Line of Defense.

Even one mishap, like a customer tripping over tools or accidental damage to a client’s property, can result in a claim or lawsuit. And without coverage? Your business assets could be at risk.

Contractor’s general liability insurance helps protect you by covering:

Bodily injury claims
Property damage on a job site
Legal defense costs
Settlements or judgments (up to your policy limits)

It’s also essential for working with larger clients or landing commercial jobs. Many require proof of coverage before you can even bid.

Your Rate Should Reflect You.

Your premiums don’t have to break the bank. At Avalue Insurance, we look at factors like:

Your safety record
Project type and scope
Company size
History of claims (if any)

That means your quote isn’t a one-size-fits-all number. It’s based on your actual risk and track record. And we work hard to find policies that give you the best value for your coverage.

Protect Your People, Too.

General liability doesn’t just protect the business itself; it also helps shield you and your employees from personal liability in covered claims. It’s about keeping your team secure and your company strong, no matter what comes your way.

Build Smarter. Insure Smarter.

You’ve worked hard to build your business. Now, let’s make sure it’s protected.

At Avalue Insurance, we understand the ins and outs of Colorado’s construction industry because we live and work here, too. Whether you’re a one-man crew or running multiple job sites, we’ll help you find the coverage that best fits your business, your budget, and your goals.

Give us a call at 303-773-3332, shoot us an email at info@avalueinsurance.com, or request a consultation right here online!

The Top 5 Weirdest Business Insurance Claims

Posted on June 30, 2025June 30, 2025 by Emilie Hagopian

(And What They Teach Small Business Owners)

We’ve seen some wild things in the insurance world. But some claims are so strange, you just have to laugh. Here are five of the weirdest business insurance claims out there — and what small business owners can learn from the chaos.

The Exploding Soup Cup

A catering company carefully packed sealed containers of soup into a hot delivery van. But as the temperature rose, so did the pressure inside those containers, until one finally gave way, unleashing a tsunami of chicken broth all over the van’s interior. The cleanup was messy, to say the least, and the damage extended beyond just a soggy van floor.

Lesson: Property damage can come from the most unexpected places — even a tiny container of soup. If your business involves transporting food, goods, or equipment, make sure you have the right coverage to protect all of your assets, even on the move!

The Falling Antelope Head

At a taxidermy shop, a mounted antelope head decided to make an unscheduled leap from the wall, landing squarely on a customer below. Thankfully, no one was seriously hurt, but the fallout was real: a lawsuit that could have been a major headache.

Lesson: Accidents happen, sometimes in the weirdest ways. General liability insurance is your safety net, protecting your business when something goes wrong on your property, even if it’s as bizarre as a flying antelope head.

The Buried Bulldozer

On a construction site, a bulldozer vanished beneath the ground without warning, swallowed whole by a sudden sinkhole. What looked like a routine day turned into a costly loss, with equipment gone and work delayed.

Lesson: In high-risk environments like construction, site-specific policies aren’t optional; they’re essential. Don’t assume your general coverage will handle all the curveballs the job site can throw your way.

The Runaway Goat

At a petting zoo, a mischievous goat found its way out of the enclosure and promptly headbutted a customer’s car in the parking lot, leaving dents and a disgruntled vehicle owner in its wake.

Lesson: When your business involves animals or interacts closely with people, your liability policy needs to cover those unique risks — including the furry, four-legged troublemakers. It’s all part of protecting your business and your customers.

Be Ready for the Unexpected

At Avalue, we’ve seen it all — and if something new comes along, we’re ready to handle it. We protect businesses of all types and sizes, and offer customizable insurance solutions for every kind of business need. Whether you’re launching a big idea or are growing steadily toward your goals, we’re here to make sure your coverage keeps pace with your vision. Let us help you protect your business from the unexpected! Contact us today, and let’s talk about your coverage options. You can give us a call at at 303-773-3332, email us at info@avalueinsurance.com, or request a consultation right here online!

Are You Accidentally Underinsured? 5 Quick Questions Every Business Owner Should Ask

Posted on May 27, 2025May 27, 2025 by Emilie Hagopian

Running a business is no small feat. You juggle everything from hiring and sales to branding and budgeting. But one thing that often falls into the “I’ll deal with it later” pile? Business insurance.

Truth is, many business owners don’t realize they’re underinsured until something unexpected happens. And by then… well, let’s just say it’s not the best time to find out you’re missing coverage.

So, how do you know if you’re fully protected or quietly skating on thin ice? Ask yourself these five quick questions:

1). Have You Grown Since You Last Updated Your Policy?

Let’s say you started out as a solo freelancer, but now you’ve got a team of five and a snazzy office space. If your coverage hasn’t been updated since your one-person show days, there’s a good chance it’s not keeping up with your growth. New employees, new equipment, and new square footage often mean new risks.

2). Do You Know Your Policy’s Limits (And What’s Excluded)?

It’s easy to assume your insurance will cover just about everything… until it doesn’t. Take a closer look at your policy limits and exclusions. For example, does it cover cyberattacks? Business interruption? Water damage? If you’re not sure, it’s time for a policy check-up.

3). Have You Added New Services or Products?

Expanding your offerings is exciting. But it can also change your risk profile. If you’re doing more than you used to, make sure your policy reflects those updates. You don’t want to be on the hook for something your insurer didn’t know you were doing.

4). Are You Covered for Liability Outside the Office?

If your business involves work offsite, like construction, consulting, or delivery, you’ll want to ensure your coverage extends beyond your business address. A slip-and-fall at a client’s location or damage during a delivery might not be covered unless it’s spelled out in your policy.

5). Have You Hired New Employees or Contractors?

Growth is exciting! But it can also come with extra responsibility. If you’ve recently added new team members, even on a contract basis, your insurance may need to be updated to reflect that. Certain policies, like workers’ compensation or professional liability, may be required depending on your staffing changes. Protecting your business means making sure everyone who works with you is properly covered — and that you are, too!

Time for a Business Insurance Check-Up?

At Avalue Insurance, we specialize in helping businesses like yours find coverage that fits — not too much, not too little, but just right. Whether you’re starting fresh, scaling up, or just want peace of mind, our team is here to make the process easy and stress-free.

Ready for a quick coverage review? Let’s make sure your business is protected from the inside out. Contact Avalue Insurance today and let’s build a safety net that actually works for you. You can give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a consultation right here online!

Top 5 Ways Small Businesses Accidentally Invite Hackers In

Posted on April 30, 2025April 30, 2025 by Emilie Hagopian

You might think hackers are only after the big guys — giant corporations with millions in revenue and high-profile data. But here’s the truth: small businesses are some of the easiest and most common targets for cyberattacks. Why? Because they often don’t realize they’re vulnerable.

It’s not always some dramatic movie-style breach with a hacker in a hoodie typing furiously in a dark basement. Sometimes, cyberattacks happen because of simple, everyday mistakes — things many small business owners don’t even realize are risky.

Let’s talk about the top 5 ways small businesses accidentally roll out the welcome mat for hackers.

1). Weak (or Reused) Passwords

We know it’s tempting to use “CompanyName123!” for everything, but hackers love predictable passwords. If your team is using simple or repeated passwords across multiple logins, you’re asking for trouble. One compromised password can open the door to everything — from client data to payroll systems.

Tip: Use a password manager and require strong, unique passwords for every platform.

2). Skipping Software Updates

You know those “Update Now” pop-ups you keep snoozing? Yeah… those updates often contain important security patches that fix known vulnerabilities. Ignoring them leaves the door wide open for hackers who are actively looking for systems running outdated software.

Tip: Set software and system updates to run automatically whenever possible.

3). Falling for Phishing Emails

Phishing emails have come a long way since the old “Nigerian prince” scams. Today, they’re clever, realistic, and often look like they came from someone you know. All it takes is one team member clicking on a bad link — and suddenly, your entire network could be at risk.

Tip: Train your team regularly on how to spot suspicious emails and verify before clicking.

4). No Two-Factor Authentication (2FA)

Relying on just a password is like locking your front door but leaving the windows wide open. Two-factor authentication adds an extra layer of protection by requiring a second verification step (like a code sent to your phone).

Tip: Enable 2FA on all important accounts — especially email, financial platforms, and file-sharing apps.

5). Assuming “It Won’t Happen to Us”

When you’re running a small business, cyber insurance might not feel urgent. But here’s the thing: small businesses often suffer the most after a cyberattack. The recovery costs (lost data, legal fees, reputational damage) can be devastating.

Tip: Take cyber threats seriously before something happens. Prevention and protection go hand in hand.

Avalue Insurance Has Your Back

You don’t have to be a cybersecurity expert to protect your business — you just need the right team behind you. At Avalue Insurance, we help small businesses get the cyber liability coverage they need to bounce back when things go sideways.

Contact us today to learn how cyber insurance can protect your business, your clients, and your peace of mind! Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!

The Role of Commercial Insurance in Employee Safety and Compensation

Posted on April 30, 2025April 22, 2025 by admin

As a business owner in Centennial, CO, ensuring the safety of your employees is a top priority. But despite your best efforts, accidents can still happen. This is where commercial insurance comes in. At Avalue Insurance, we’re here to help you understand the role of commercial insurance in employee safety and compensation.

Workers’ Compensation: A Key Component of Commercial Insurance

Workers’ compensation insurance, a key component of commercial insurance, provides benefits to employees who suffer work-related injuries or illnesses. This can include coverage for medical care, rehabilitation costs, and a portion of lost wages while the employee is unable to work.

Protecting Your Employees and Your Business

Having adequate workers’ compensation insurance not only protects your employees, but it also protects your business. If an employee is injured on the job and you have proper coverage, workers’ compensation insurance can help protect your business from a potential lawsuit.

Creating a Safer Workplace

While workers’ compensation insurance provides protection after an accident, commercial insurance can also play a role in preventing accidents in the first place. Many insurers offer risk management resources to help businesses create safer workplaces.

Securing Your Business in Centennial, CO

Commercial insurance is a crucial part of protecting your business and your employees. If you’re a business owner in Centennial, CO, contact Avalue Insurance today. We can help you understand your commercial insurance options and choose the coverage that best fits your needs.

5 Unexpected Things Your Commercial Property Insurance Actually Covers

Posted on March 31, 2025March 31, 2025 by Emilie Hagopian

When business owners think about commercial property insurance, they usually picture coverage for fires, floods, or major structural damage — and they’re right! But what many don’t realize is that this type of insurance goes way beyond just fixing broken buildings.

From stolen office equipment to income loss from unexpected shutdowns, commercial property insurance has your back in ways you might not expect. Let’s dive into some of the most surprising things your policy can cover — and why having the right protection in place is a game-changer for your business.

1). More Than Just the Building — Your Equipment & Office Furniture Are Covered

If a fire or storm damages your business, you’re probably thinking about rebuilding the structure — but what about everything inside?

Your office furniture, computers, machinery, and other business essentials are just as crucial to keeping things running. Commercial property insurance includes personal property protection, so if your desks, tools, or high-tech equipment are damaged or stolen, you won’t have to cover the replacement costs alone.

Why it matters: If your business relies on expensive machinery or specialized tools, this coverage can save you thousands.

2). Lost Income? Business Interruption Insurance Has You Covered

A fire breaks out, a storm floods your space, or vandals cause major damage — you can’t open your doors, and every day that passes means lost income. What now?

This is where business interruption insurance steps in. While not all commercial property insurance policies automatically include it, adding this coverage can help you recover lost income while your business gets back on its feet.

Why it matters: Bills, rent, and payroll don’t stop just because you can’t operate. Business interruption insurance ensures you can stay afloat even when business is on hold.

3). Vandalism & Theft — Even if It’s Just One Item

Think vandalism is only about graffiti and broken windows? Think again. If someone breaks in and steals expensive equipment or causes damage to your space, commercial property insurance can cover the losses.

Even a small act of vandalism, like a broken sign or smashed door, can be costly to repair — but the right coverage ensures you’re not stuck with the bill.

Why it matters: Theft and vandalism can happen to any business, especially those in high-traffic areas.

4). Natural Disasters — Because Nature Doesn’t Care About Your Business Hours

From wildfires in Colorado to severe storms in Texas, extreme weather events can destroy a business in minutes. While some disasters require additional coverage (like flood insurance), a comprehensive commercial property insurance policy protects against fire, wind damage, and more.

Why it matters: If a natural disaster disrupts your business, having the right policy can mean the difference between recovering or closing for good.

5). Protection Even If You’re Expanding or Upgrading

If you’re expanding, upgrading, or investing in a new commercial property, you’ll want to make sure it’s properly insured from day one. Having an experienced insurance partner can help ensure that your new space — and everything in it — is protected as your business grows.

Why it matters: Whether you’re adding a new location or upgrading current assets, commercial property insurance adapts to your evolving business needs.

Protect Your Business Before the Unexpected Happens

Your business is more than just four walls; it’s everything inside, the people you employ, and the income that keeps it running. The right commercial property insurance policy ensures that when disaster strikes, you have the support you need to recover quickly.

At Avalue Insurance, we specialize in tailored commercial property insurance solutions to protect your business assets, income, and future growth. Don’t wait until the unexpected happens. Contact us today to get a customized policy that fits your needs! Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!

BOPs for Startups: Why New Businesses Should Invest in Coverage Early

Posted on March 30, 2025March 30, 2025 by Emilie Hagopian

Starting a business is exciting, but it also comes with risks. Between managing finances, building a brand, and attracting customers, insurance might not be at the top of your to-do list. But skipping coverage early on could be a costly mistake.

A Business Owner Policy (BOP) is one of the smartest investments a startup can make. It bundles essential coverage — property insurance, general liability, and business interruption insurance — into one affordable package. If you’re a new business owner, here’s why you should secure a BOP early rather than waiting until you think you need it.

Why Startups Need a Business Owner Policy

1). You’re More Vulnerable Than You Think

Many startups assume they don’t need insurance because they’re small or just getting started. But that’s exactly when your business is at its most vulnerable. One lawsuit, a fire, or a break-in could wipe out everything you’ve worked for.

A BOP protects your business assets, helping you recover from unexpected setbacks without draining your finances.

2). Property Insurance Covers More Than Just Buildings

Think your home-based business or rented office space means you don’t need property insurance? Think again. Property insurance within a BOP covers not just buildings, but also equipment, inventory, furniture, and even digital assets in some cases.

If your startup relies on expensive laptops, tools, or inventory, a BOP ensures you’re covered if disaster strikes.

3). General Liability Shields You from Costly Lawsuits

Even the most careful business owners can’t prevent every accident or customer complaint. A single lawsuit — whether it’s from a customer slipping in your store or a product defect claim — could cost thousands in legal fees.

A BOP includes general liability insurance, which covers legal costs, settlements, and medical expenses, saving you from a financial nightmare.

4). Business Interruption Insurance Keeps You Afloat

What if a fire or storm forced you to close your doors for weeks? Could your startup survive? Many small businesses fail within months of an unexpected closure simply because they don’t have a financial backup plan.

With business interruption insurance, your BOP helps cover lost income and operating expenses while you get back on your feet.

5). BOPs Are Cost-Effective for Startups

One of the biggest advantages of a BOP for startups is its affordability. Instead of purchasing separate policies for liability, property, and business interruption coverage, a BOP bundles them together at a lower cost.

It’s a smart, cost-effective way to protect your business without breaking your budget.

Protect Your Startup from Day One

As a startup, you’re focused on growth, innovation, and success — not worst-case scenarios. But protecting your business early with a Business Owner Policy ensures you’re ready for anything.

At Avalue Insurance, we specialize in customized BOP solutions for startups and small businesses. Let’s secure your future today. Contact us to get a personalized quote! Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!

5 Risks You’re Taking Without Professional Liability Insurance

Posted on February 18, 2025February 18, 2025 by Emilie Hagopian

Running a business or offering professional services comes with plenty of rewards, but it also comes with plenty of risks. Sure, you may be an expert in your field, but let’s face it — mistakes happen. And when they do, they can cost you more than just money! If you don’t have professional liability insurance, you’re leaving yourself open to some serious risks. Let’s talk about five big ones.

1). Costly Lawsuits

Ah, the L-word. It’s a word that every business owner hopes they’ll never have to hear or utter. But unfortunately, lawsuits happen more often than you’d think, and the aftermath is never pretty.

Let’s say a client claims your advice led to financial losses. Suddenly, you’re hit with a lawsuit demanding thousands (or even millions) of dollars in damages. Legal fees alone can drain your savings, not to mention the settlement or judgment if you lose. Professional liability insurance can step in to cover these costs (so you don’t have to).

2). Your Reputation Is on the Line

A lawsuit isn’t just a financial burden; it’s a reputational one too. Even unfounded claims can damage your credibility and make potential clients think twice about hiring you. Professional liability insurance often includes coverage for PR efforts to help repair your reputation if a claim goes public.

3). Contract Requirements Could Exclude You

Many clients, especially large organizations, require contractors and service providers to carry professional liability insurance. If you don’t have it, you might miss out on lucrative opportunities simply because you don’t meet their standards. PLI is often a ticket to landing bigger, better contracts.

4). Human Error Happens

Let’s be real: nobody’s perfect. Maybe you overlooked a critical detail, missed a deadline, or miscalculated something. Even small mistakes can lead to big financial losses for your clients—and they might expect you to cover the cost. Professional liability insurance can protect you from bearing the full brunt of those mistakes, covering claims that arise from errors or omissions.

5). Claims Can Haunt You Long After the Job Is Done

Here’s something many people don’t realize: you can be sued for work you completed months or even years ago! Without professional liability insurance, you’re on your own for any claims that arise after you’ve wrapped up a project. A good policy can include an extended reporting period to cover those situations.

Don’t Leave Your Business Vulnerable

At Avalue Insurance, we understand the unique challenges professionals face, and we’re here to help you find the coverage that fits your needs and budget. Our team of experts will walk you through the process, answer your questions, and ensure you’re protected against the unexpected.

Don’t let one mistake or misunderstanding derail your hard work. Contact Avalue Insurance today to discuss your professional liability insurance options! Give us a call at 303-773-3332, info@avalueinsurance.com, or request a quote right here online!

Navigating Commercial Insurance in the Age of Remote Work

Posted on January 30, 2025January 30, 2025 by admin

The COVID-19 pandemic has ushered in a new era of remote work. While this shift has offered flexibility for employees and cost savings for businesses, it also presents new challenges for commercial insurance. At Avalue Insurance, we’re here to help businesses in Colorado navigate these changes and ensure they have the right coverage for this new work landscape.

Changes in Risk Profile

With employees working from home, the risk profile of businesses has changed. There may be fewer risks related to physical office space, but new risks associated with remote work have emerged. These can include cyber threats, workers’ compensation claims, and liability issues.

Cyber Insurance

Remote work often means employees accessing company systems and data from home networks, which may not be as secure as office networks. This can increase the risk of cyber attacks. Cyber insurance can provide critical protection, covering costs related to data breaches, ransomware attacks, and other cyber threats.

Workers’ Compensation

Even when working from home, employees are still covered by workers’ compensation for work-related injuries. Businesses need to ensure their workers’ compensation insurance reflects the reality of remote work.

Liability Issues

Remote work can also raise liability issues. For instance, if a delivery driver is injured delivering work-related materials to an employee’s home, the business could potentially be held liable.

At Avalue Insurance, we’re committed to helping businesses in Colorado navigate the complexities of commercial insurance in the age of remote work. If you have any questions or need assistance, don’t hesitate to contact us.

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