Tag: insurance policies

(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!

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!