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

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!

A Day in the Life of a Restaurant Owner (And the Hidden Risks You Face)

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

Owning a restaurant sounds like a dream — serving up amazing food, creating a welcoming atmosphere, and watching happy customers enjoy your menu. But behind the scenes, it’s a whirlwind of early mornings, late nights, and constant problem-solving. One minute, you’re checking inventory; the next, you’re putting out (literal or figurative) fires.

Running a restaurant is equal parts passion and chaos, and with that chaos comes hidden risks that could shut down your business if you’re not protected. Let’s walk through a typical day in the life of a restaurant owner and highlight the hidden dangers that make restaurant insurance a must-have.

10:00 AM – Getting Ready for the Day

The morning is spent prepping ingredients, checking inventory, and ensuring everything place before customers arrive. Then, a server slips on a wet floor while setting up tables and injures their back.

Risk Alert: Workplace injuries are common in restaurants, and without workers’ compensation insurance, an injured employee could sue for medical costs and lost wages.

How Insurance Helps: Workers’ compensation insurance covers medical expenses, rehabilitation costs, and lost wages, ensuring your employees get the care they need without putting your business at risk.

1:00 PM – The Lunch Rush Brings the Unexpected

It’s a packed house, and customers are enjoying their meals. Suddenly, one guest claims they got food poisoning after eating seafood. They’re demanding compensation and threatening legal action.

Risk Alert: Foodborne illness claims can lead to lawsuits, negative press, and major financial losses.

How Insurance Helps: Foodborne illness coverage protects against claims from contaminated food, helping with legal fees, medical expenses, and lost business revenue.

4:00 PM – Afternoon Break… or Not

You step away for a quick meeting when you get a call from the valet service: a customer’s luxury car has been damaged while parked.

Risk Alert: Even if your valet drivers are careful, accidents happen, and without garagekeeper liability insurance, you could be responsible for costly repairs.

How Insurance Helps: Valet parking/garagekeeper liability insurance covers damage to customer vehicles while they’re in your care.

7:00 PM – Dinner Rush & Liquor Liability Concerns

Your restaurant is packed, and the bar is busy. A customer has too much to drink, then gets into a car accident after leaving. Now, your restaurant could be held liable.

Risk Alert: If a guest causes harm after drinking at your establishment, your business could face a lawsuit for over-serving alcohol.

How Insurance Helps: Liquor liability insurance covers legal fees, settlements, and damages related to alcohol-related incidents.

11:00 PM – Closing Time & Property Risks

The last customers leave, and your staff begins cleaning up. That’s when you notice a break-in — the cash register has been emptied, and expensive kitchen equipment is missing.

Risk Alert: Theft and vandalism can result in major financial losses, especially if high-value items are stolen.

How Insurance Helps: Crime/fidelity policies cover losses due to employee theft or external crime.Property insurance covers stolen equipment, broken windows, and other damages.

The Next Morning – Business Interruptions Can Cost You Big

After a long night and a terrible day before, you arrive in the morning only to find flooding in the kitchen from a burst pipe. Now, you have to close for repairs, losing out on valuable revenue.

Risk Alert: Unexpected events like fires, floods, and equipment breakdowns can force you to shut down temporarily.

How Insurance Helps: Business interruption insurance covers lost income and operating expenses while your restaurant recovers.

Don’t Let Risks Take Your Restaurant Down

Every day, restaurant owners face hidden risks that could lead to huge financial losses if they’re not prepared. The right restaurant insurance policy ensures that you’re covered from the unexpected, whether it’s an employee injury, liquor liability claim, property damage, or business interruption.

At Avalue Insurance, we specialize in custom restaurant insurance plans designed to protect your business. Contact us today to get the coverage you need so you can focus on running a successful restaurant, worry-free! 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 Unexpected Risks That Could Shut Down Your Garage

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

(And How to Avoid Them)

Running an auto repair shop, dealership, or body shop is more than just turning wrenches and keeping customers happy; it’s about protecting your business from unexpected disasters. While you might think you’ve covered all your bases, some risks can come out of nowhere and leave you with costly damages, lawsuits, or even a business shutdown.

So, what are the biggest threats to your garage? Let’s talk about the top five risks you might not have considered, and why garage insurance is a must.

1). Oops, That Wasn’t Supposed to Happen (Employee Mistakes & Accidental Damage)

Your mechanics are skilled professionals, but even the best can make a mistake. Maybe someone accidentally scratches a high-end customer car, overfills an engine with oil, or forgets to tighten a bolt. Even a minor slip-up can turn into a major liability issue — one that could cost thousands to fix.

Why You Need Insurance: A garage liability policy covers accidental damage to customer vehicles, so one mistake doesn’t mean a financial disaster.

2). A Customer Just Slipped… and Now They’re Suing

Garages are full of hazards — oil spills, tools on the floor, and slippery surfaces. If a customer slips, trips, or falls, you could be facing an expensive lawsuit. Trust me: legal fees alone can drain your bank account dry.

Why You Need Insurance: General liability coverage helps protect you from personal injury claims and legal fees, so one accident doesn’t wreck your business.

3). Risks You Can’t Control — Theft & Vandalism

Imagine showing up to work in the morning, only to find your garage doors pried open and customer cars missing. Or maybe a vandal decided to smash windows and spray-paint the walls. Whether it’s stolen tools, expensive parts, or entire vehicles, theft can be a nightmare for garage owners.

Why You Need Insurance: Garage keepers insurance helps cover theft and vandalism-related losses, so you’re not paying out of pocket to fix the damage.

4). Fire, Floods, and More

What would happen if a fire broke out in your shop overnight? Or if a major storm flooded your workspace? Fires, floods, and extreme weather events can destroy thousands of dollars in equipment, customer vehicles, and even your entire business. Without proper insurance, you could be left rebuilding from scratch.

Why You Need Insurance: A solid garage insurance policy includes property coverage, ensuring you can rebuild and recover without draining your savings.

5). Test Drives Gone Wrong

You send a mechanic on a quick test drive, but instead of coming back with a report, they come back with a fender bender — or worse. If a vehicle owned by your shop gets in an accident, or if a customer damages a loaner car, who’s responsible for the costs?

Why You Need Insurance: Garage auto insurance covers accidents involving business-owned vehicles, so one bad test drive doesn’t leave you with an enormous bill.

Don’t Let Risks Shut Down Your Business

Running a garage is risky business, but the right garage insurance policy can keep you protected, prepared, and stress-free when the unexpected happens. Whether it’s employee mistakes, customer injuries, theft, fire, or accidents, Avalue Insurance has the coverage you need to keep your shop running smoothly.

Protect your garage today! Contact Avalue Insurance to get a customized garage insurance policy that fits your business needs. Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!

Home Insurance: Your Ally in Homeownership Challenges

Posted on March 28, 2025March 28, 2025 by admin

Homeownership is a rewarding journey, but it’s not without its challenges. From natural disasters to theft, unexpected events can cause significant damage to your home. That’s where home insurance comes in. At Avalue Insurance, we believe that home insurance is more than just a policy; it’s your ally in navigating the challenges of homeownership.

Home Insurance: More Than Just Coverage

Home insurance does more than just cover the cost of repairs or replacement if your home is damaged. It also provides liability coverage if someone is injured on your property, and it can even cover living expenses if you have to temporarily move out of your home due to a covered loss.

Navigating Homeownership Challenges with Home Insurance

Homeownership comes with a unique set of challenges, from maintaining your home to protecting it from potential risks. Home insurance can help you navigate these challenges by providing financial protection and peace of mind. Whether it’s a burst pipe, a break-in, or a natural disaster, you can rest easy knowing that you’re covered.

Choosing the Right Home Insurance Policy

Choosing the right home insurance policy is crucial. You need to consider factors like the value of your home, the level of coverage you need, and your budget. At Avalue Insurance, we can help you assess your needs and choose the right policy for you.

Trust Avalue Insurance for Your Home Insurance Needs

At Avalue Insurance, we’re committed to helping you navigate the complexities of home insurance and ensuring you’re adequately protected. If you have any questions about home insurance, don’t hesitate to contact us. We’re here to help!

What Parents Need to Know About Adding a Teen Driver to Their Auto Insurance

Posted on February 28, 2025February 28, 2025 by Emilie Hagopian

So, your teenager just got their driver’s license — congratulations! And also… good luck. While they’re thrilled about their newfound freedom, you’re likely running through a mental checklist of everything you need to do to keep them safe on the road. One major item on that list? Adding them to your auto insurance policy.

It’s not the most exciting part of their driving journey (for either of you). But it’s a crucial step to ensure they’re covered in case of an accident. Here’s what you need to know as a parent before making the call to your insurance provider.

1. Do I Have to Add My Teen to My Auto Insurance?

Short answer: Yes.

Longer answer: In most cases, your auto insurance provider will require you to add any licensed driver living in your household to your policy. Even if your teen doesn’t have their own car and only borrows yours occasionally, they still need to be covered. Failing to do so could lead to big problems if they’re involved in an accident.

2. How Much Will It Cost?

Brace yourself — adding a teen driver to your policy can be expensive. Statistically, teen drivers are more likely to be involved in accidents, which makes them a higher risk for insurance companies. On average, adding a teen can increase your premium by 50% to 100%. Yikes.

But before you panic, there are ways to save money, which leads me to…

3. How Can I Lower My Insurance Costs?

Insurance companies recognize that not all teens are reckless drivers, so they offer discounts to help soften the blow. Here are a few ways to cut costs:

Good Student Discount – Many insurers offer discounts for teens who maintain a B average or higher. If your teen is hitting the books, they might help you save money too!
Driver’s Education Discount – Completing a state-approved driver’s ed course can lower insurance rates. Some companies even offer their own safe-driving programs with discounts attached.
Safe Driving Apps – Some insurers offer apps that monitor driving behavior. If your teen proves they’re a cautious driver, you could score some savings.
Bundling Policies – If you have multiple insurance policies (home, auto, life), bundling them with the same provider could get you a discount.

4. Should My Teen Have Their Own Policy?

It’s usually cheaper to add them to your existing policy rather than getting them their own. However, if your teen has their own car and you don’t want their risk affecting your insurance rates, a separate policy might be worth considering. Keep in mind that individual policies for teens tend to be pricey.

5. What If My Teen Goes to College Without a Car?

If your teen is heading to college more than 100 miles away and won’t be taking a car, let your insurer know! Some companies offer a “student away at school” discount, which can significantly lower your premium while keeping them covered for occasional driving when they’re home on break.

Ready to Add Your Teen? We Can Help!

Adding a teen driver to your policy doesn’t have to be overwhelming. At Avalue Insurance, we’ll walk you through your options, help you find discounts, and make sure your family is protected without breaking the bank. Give us a call today and let’s get your teen covered — so you can stress a little less while they hit the road!

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

Why Startups Should Invest in Cyber Insurance Early

Posted on February 28, 2025February 28, 2025 by Emilie Hagopian

When you’re starting a new business, there’s no shortage of things to think about — funding, hiring, marketing, product development. But there’s one thing that often falls to the bottom of the to-do list: cybersecurity. Many startups assume they’re too small to be targeted by cybercriminals or think they’ll get to it “later.” But here’s the reality: later might be too late.

If you’re a startup founder, it’s time to make cyber insurance a priority. Here’s why.

Cybercriminals Don’t Care About Your Size

There’s a common misconception that hackers only go after big corporations with deep pockets. Unfortunately, that’s far from true. Startups and small businesses are often seen as easy targets because they typically lack robust cybersecurity measures. In fact, a report from the National Cyber Security Alliance found that 43% of cyberattacks target small businesses.

Without cyber insurance, a single data breach or ransomware attack could cripple your operations or even shut down your business entirely. Investing in cyber insurance early ensures that you have a safety net in place to help you recover from the unexpected.

Startups Handle a Lot of Sensitive Data

Even in their early stages, startups often deal with sensitive data—customer information, employee records, financial details, or proprietary business information. If this data falls into the wrong hands, it’s not just a financial risk—it’s a reputational one.

Imagine explaining to your first batch of customers that their personal data was compromised because you didn’t have adequate protections in place. Cyber insurance doesn’t just help cover financial losses; it also helps you manage the fallout, including legal fees, notification costs, and public relations efforts.

Cyber Insurance Is Affordable for Startups

One of the biggest barriers to getting cyber insurance is the assumption that it’s too expensive. But here’s the good news: policies are often more affordable than you might think, especially for startups with smaller teams and lower revenues.

Cyber insurance is an investment in your business’s future. It protects you from costly out-of-pocket expenses that could otherwise derail your growth. Plus, having cyber insurance in place can make your business more attractive to investors and partners who want to see that you’re taking cybersecurity seriously.

Cyber Threats Are Only Getting Worse

Let’s face it: the digital landscape isn’t getting any safer. Cyberattacks are becoming more sophisticated, and the risks are only increasing. Waiting to invest in cyber insurance means leaving your business vulnerable during its most critical stages.

By securing coverage early, you can focus on growing your business with the confidence that you’re protected against one of the biggest risks of the modern era.

Don’t Wait Until it’s Too Late

At Avalue Insurance, we understand the unique challenges startups face, and we’re here to help. Our cyber insurance policies are designed to protect your business from the financial and reputational fallout of a cyberattack, so you can focus on what you do best: growing your business.

Ready to protect your startup’s future? Contact Avalue Insurance today to learn more about your cyber insurance options. Give us a call at 303-773-3332, info@avalueinsurance.com, or request a quote right here online!

Why Umbrella Insurance is Crucial for Centennial’s Artisanal Food Producers

Posted on February 27, 2025February 27, 2025 by admin

Running an artisanal food business in Centennial, CO is a rewarding endeavor, offering a unique blend of creativity and business. However, it also comes with its share of risks, from property damage to liability lawsuits. That’s where umbrella insurance from Avalue Insurance comes in.

Why Artisanal Food Producers Need Umbrella Insurance

Umbrella insurance provides an extra layer of liability coverage above the limits of your standard insurance policies. This can be invaluable in a lawsuit, helping to cover legal fees, damages, and other costs that can quickly add up.

Understanding the Coverage

Umbrella insurance kicks in when the liability limits of your other insurance policies have been reached. It can cover a variety of situations, including property damage, injury liability, and certain legal costs.

Choosing the Right Umbrella Insurance for Your Artisanal Food Business

When it comes to selecting an umbrella insurance policy for your artisanal food business, it’s important to consider your unique needs. The team at Avalue Insurance in Centennial, CO can help you assess your risks and choose a policy that provides the right level of coverage.

Protect Your Artisanal Food Business with Avalue Insurance

Umbrella insurance is more than just a safety net for artisanal food producers in Centennial, CO. It’s a crucial part of protecting your business and ensuring peace of mind. Don’t leave your artisanal food business unprotected. Contact Avalue Insurance today to learn more about our umbrella insurance options for artisanal food producers.

Why Millennials Should Start Thinking About Life Insurance Now

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

When you think about life insurance, it’s probably not something you associate with your 20s or 30s. Most people imagine life insurance as something you deal with later, maybe when you’re married, have kids, or are nearing retirement. But here’s the thing: waiting until “later” could cost you more than you realize.

If you’re a millennial, life insurance might not be on your radar yet, but it absolutely should be. Here’s why.

It’s Cheaper When You’re Younger

Life insurance rates are largely based on age and health. The younger and healthier you are, the lower your premiums will be. That means locking in a policy now could save you hundreds, if not thousands, over the years.

Think of it like this: you’ll be getting those “young and healthy” rates. Waiting a few years might not seem like a big deal, but as we age, life happens — health issues can arise, and rates can go up.

You’re Probably Healthier Now

Life insurance companies look at your health history when deciding your rates. If you’re in good shape now, you’ll likely get a better deal. While none of us can predict the future, it’s safe to say that taking action while you’re healthy gives you an edge.

Plus, some policies even offer living benefits, meaning you can access your coverage if you face a serious health issue later. It’s not just about protecting others; it’s about protecting yourself, too.

It’s Not Just for Parents or Married People

Sure, life insurance is a no-brainer if you’re married or have kids. But even if you’re single or don’t have dependents, life insurance still has value.

Do you have student loans with a co-signer? What about credit card debt? Life insurance can ensure your loved ones aren’t left to pick up the financial pieces if something happens to you. And if you have dreams of leaving a legacy — like donating to a charity or supporting a cause you care about — life insurance can help make that happen.

It’s an Investment in Your Future

Certain life insurance policies, like whole life insurance, may offer a cash value component. This means you can build savings over time that you can borrow against or use in emergencies. It’s like creating a financial safety net for yourself while still providing protection for your loved ones.

For millennials, this dual-purpose option can be a smart way to combine financial planning with peace of mind.

Life Happens Fast

One thing we’ve learned over the last few years is how unpredictable life can be. Getting life insurance now is a way to prepare for the unexpected. It’s not about being pessimistic; it’s about being proactive.

Let’s Get You Started

Ready to take control of your financial future? At Avalue Insurance, we specialize in helping millennials find life insurance policies that fit their needs and budgets. Whether you’re new to life insurance or just want to explore your options, we’re here to guide you every step of the way.

Contact Avalue Insurance today to schedule a consultation, and learn how life insurance can be a smart and affordable investment in your future. Give us a call at 303-773-3332, info@avalueinsurance.com, or request a quote right here online. Don’t wait — your future self will thank you!

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!

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