Business Insurance

Embarking on a business journey is thrilling yet uncertain. With Avalanche Insurance, gain the right insurance coverage to navigate these uncertainties with confidence. We value the craftsmanship of your profession and want to provide the coverage you need to protect your business. We help protect a wide range of professionals.

• Cost of Business Insurance: An affordable investment for your peace of mind with flexible plans to meet your budget.
• Insurance Legal Requirements: Varying by state and industry, insurance is essential for protecting against unforeseen losses.
• Customized Insurance Policies: Tailor your policy to match the unique needs of your business. We're here to help you customize!

• Property Damage: Comprehensive coverage for damages to your physical assets, from fires to natural calamities.
• Liability Claims: Covering legal fees and medical expenses for injuries or damages caused by your products or services.

Business auto insurance, simply put, is the guardian angel for your commercial vehicles. It provides coverage for cars, trucks, vans, and other vehicles used in the conduct of your business. Accidents happen, but with the right insurance, you’re not just protecting your vehicles, you’re safeguarding your business’s financial stability. 

Wondering what’s covered under a business auto insurance policy? Here’s a snapshot:

• Collision Coverage: Helps cover costs if your vehicle collides with another object or vehicle.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision incidents like theft or weather damage.
• Personal Injury Protection: Provides medical payments for the driver and occupants of the insured vehicle.

Common Claims in Business Auto Insurance

Let's take a closer look at some typical claims that business auto insurance can cover:

• Accidents involving your business vehicles, whether they're at fault or not.
• Damage to your vehicle from theft, vandalism, or natural disasters.
• Medical costs for you or your employees after an accident.
• Legal fees if your business is sued due to a vehicle-related incident.

Construction projects, big or small, come with their fair share of risks. From unexpected weather events to theft or vandalism at the job site, there's a lot that can go wrong. Builders risk insurance is designed to protect your project from these unforeseen incidents, ensuring that you're not left out of pocket. 

Coverage Highlights

• Material Damage
• Fire and Vandalism
• Weather-Related Incidents

Some common claims covered by builders risk insurance include:

• Damage to construction materials and equipment
• Losses due to fires, vandalism, or theft at the construction site
• Weather-related damages like storms 
• Liability claims for injuries or accidents on site

Did you know that a significant percentage of businesses experience some form of cyber incident each year? Yet, many remain underprepared. Cyber liability insurance is not just about risk management; it’s an essential tool for business continuity and reputation protection. This includes data breach response and notification costs, crisis management, cyber liability, business interruption, and more. We make sure that in the face of digital threats, your business is well-equipped to handle the aftermath effectively. Let’s break down the risks and how we can help: 

• Data Breach: Covers the expenses related to managing a data breach, such as legal fees, notification costs, and more.
• Business Interruption: Provides compensation for lost revenue due to a cyber-attack disrupting business operations.
• Reputation Management: Assists in managing and mitigating damage to your business’s reputation following a cyber incident.

As a business owner, you know that navigating employee relations can be tricky. EPLI is there to protect your business from claims that no employer wants to face but should be prepared for. It’s not just insurance; it’s peace of mind in handling complex employee issues. 

So, what does EPLI from Avalanche Insurance typically cover? Here's a snapshot:

• Wrongful Termination: Claims of unfair dismissal can be a headache, but EPLI has got your back.
• Harassment Claims: Protects your business against the financial fallout from harassment allegations.
• Discrimination Claims: Coverage against claims of unfair treatment based on race, gender, age, or other factors.

You built your farm with hard, honest work. Protect it.

At Avalanche Insurance we know that your business provides an indispensable service to our community. We would like to extend our appreciation by helping you find the best comprehensive protection.  A Farm Owners policy is a policy that projects you in the event of damage and loss.

A Farm Owners Policy includes:

• Personal Property
• Dwelling
• Liability.

Your business is your dream turned reality. But with every customer that walks through your doors, there's a risk – accidents happen, misunderstandings arise. General Liability Insurance is about protecting your dream from these unforeseen hiccups. It's not just insurance; it's peace of mind. 

Essential Coverage Areas:

• Bodily Injury
• Property Damage
• Legal Defense

Here are some typical scenarios covered by general liability insurance:

• Injuries to customers or visitors at your business premises
• Damage to property caused by your operations or employees
• Legal costs if your business faces a lawsuit for the above reasons

  Running a restaurant is exciting, yet it comes with its share of risks. From kitchen fires to customer slip-and-fall accidents, many unforeseen events can occur. Restaurant insurance is designed to protect against such incidents, ensuring that your business continues to operate smoothly.

Let's explore some common claims covered under this insurance:

• Property damage due to fire, storm, or vandalism
• Liability claims if a customer is injured on your premises
• Loss of income due to unforeseen business interruptions
• Food spoilage or contamination

Planning a big event in? Whether it’s a dream wedding, a milestone birthday bash, or a community festival, events are a bundle of joy, excitement... and, let's be honest, a bit of stress. What if something unexpected happens? That's where Avalanche Insurance steps in with our Special Event Insurance! 

What is Special Event Insurance?

Simply put, it's a safety net. It covers various mishaps that could occur before or during your event. From a sudden cancellation to property damage at the venue, this insurance is like your personal event bodyguard.

Here's a glimpse of what our Special Event Insurance typically covers:

• Cancellation or postponement of the event
• Property damage at the event venue
• Bodily injury or accidents during the event
• Vendor no-shows or breaches of contract
• Weather-related disruptions
• Alcohol-related incidents (if applicable)

Are you delving into the essentials of surety bonds? Whether you're a budding entrepreneur, a seasoned contractor, or navigating legal terrains, grasping surety bonds can be crucial.  Picture surety bonds as a pledge – an assurance that specific responsibilities will be fulfilled. Unlike traditional insurance, they act as a safeguard, ensuring that a certain task or obligation is completed, be it a construction venture or a legal obligation. 

Various Surety Bonds:

• Construction Bonds
• Legal Bonds
• Business Bonds

Common scenarios where surety bonds come into play include:

• Unfulfilled construction or renovation projects
• Non-adherence to municipal or state guidelines
• Economic losses stemming from contract disputes

 In the hustle of day-to-day business, your employees may face unexpected injuries or illnesses related to their job. Workers compensation insurance is designed to cover these unforeseen events, providing essential benefits like:

• Medical expenses for work-related injuries or illnesses
• Lost wages during recovery
• Rehabilitation costs
• Death benefits for the family in the case of a work-related fatality