Coverage built for Hail Alley and the MousetrapSoma Insurance
Denver business gets done in coffee lines at Union Station, brewery tables in RiNo, and quiet conference rooms in the DTC...
Recent Denver Business Incidents
Real incidents from 2024-2025 that cost Denver businesses millions.
Two-alarm warehouse blaze lights up Brighton Blvd in RiNo at dawn
Just after 7 a.m...
Arctic blast and flash-freeze snap pipes; emergency plumbing spikes citywide
A mid-January arctic outbreak settled over Denver with sub-zero air and wind chills, producing a rare flash-freeze risk and multi-day hard freeze. Forecasts warned of up to 114 straight hours below 32°F and lows around –12°F...
Two-alarm warehouse blaze lights up Brighton Blvd in RiNo at dawn
Just after 7 a.m...
Arctic blast and flash-freeze snap pipes; emergency plumbing spikes citywide
A mid-January arctic outbreak settled over Denver with sub-zero air and wind chills, producing a rare flash-freeze risk and multi-day hard freeze. Forecasts warned of up to 114 straight hours below 32°F and lows around –12°F...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers Denver's real risks.
Denver's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
Late snows turn to cold rain, then hail. We watch the radar line east of I-25 and prep dry-ins for flat roofs. Creek flushes can pond at low underpasses; delivery windows slide when storms park over the core.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Classic Hail Alley. Afternoon buildups go severe with big ice and quick street flooding. Ozone alerts add heat stress for crews. We stage tarps, glass vendors, and portable sump pumps for pop-up downpours.
Fall: Severe Weather
September - November
Construction sprints to beat freeze. Broncos weekends crowd the grid. First hard frost cracks older irrigation lines; winds topple brittle limbs onto parked cars and power lines.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Arctic air turns slush to black ice fast. Flash-freeze risks spike pipe bursts in older buildings. We pre-heat roof drains, check heaters, and keep downtime plans ready if boilers or RTUs stumble.
Denver Industries We Cover
Specialized coverage for the businesses that power Denver.
Construction & Specialty Trades
Public works and infill keep electricians, plumbers, and GC subs busy from LoDo to the DTC. Streetscapes, bridges, and tenant improvements fuel steady backlog even as access and staging get tricky downtown.
Healthcare & Life Sciences
Hospitals, clinics, and labs stretch from Uptown to Anschutz with heavy reliance on IT uptime and cold storage. Cyber and supply chain ripple effects can stall schedules and revenue.
Craft Beverage, Food & Hospitality
RiNo taprooms, LoDo restaurants, and Cherry Creek patios depend on events and fair weather, with hail, flash floods, and construction detours cutting into walk-in traffic.
Logistics & Last-Mile
I-70/I-25 connectivity and DEN proximity support regional distribution. Mountain-corridor work and weather create timing uncertainty on both east-west and north-south runs.
Tech & Professional Services
Downtown, RiNo, and Platte corridor firms mix SaaS, design, and agency work. Talent churn and office return patterns shape leasing and E&O profiles.
Multifamily & HOA/Condo
Older stock in Capitol Hill and new mid-rises in RiNo/LoHi put boards and managers in the middle of hail claims, water leaks, and code upgrades.
Construction & Specialty Trades
Public works and infill keep electricians, plumbers, and GC subs busy from LoDo to the DTC. Streetscapes, bridges, and tenant improvements fuel steady backlog even as access and staging get tricky downtown.
Healthcare & Life Sciences
Hospitals, clinics, and labs stretch from Uptown to Anschutz with heavy reliance on IT uptime and cold storage. Cyber and supply chain ripple effects can stall schedules and revenue.
What Denver Businesses Must Know
Local Risk Insights
- •Plan around the Mousetrap...
- •Speer’s low points can pond during cloudbursts; route curbside pickups via 15th/17th when storms hit...
- •Havana and Colorado Blvd stay busy during hail events...
Business Operations
- •Publish day-of detour maps during 16th Street phases; alley access saves you...
- •Pre-agree with roofers on emergency dry-in rates before hail season...
- •Add utility-service BI...
Why Denver Businesses Trust Us
We're not just insurance agents – we're Denver business protection experts.
Local Denver Expertise
We know Denver's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When Denver businesses need coverage, we're here.
Proven Protection
Coverage that actually pays claims. No hidden exclusions, just real protection.
Transparent Pricing
No hidden fees, no surprises. Clear pricing and honest guidance you can trust.
Always Responsive
Questions about coverage? Claims support? We're here when Denver businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
Are hail losses in Denver usually covered if the roof is older?
Yes, but carriers will factor roof age and material. We can pair higher wind/hail deductibles with a deductible buydown, consider cosmetic-damage provisions on metal, and document condition pre-season to speed adjusting.
Does business income apply if the power blinks but nothing is damaged?
Only if your policy includes utility-service interruption or service outage BI. Standard BI requires covered physical loss. We’ll check forms and waiting periods for your grid and neighborhood.
How do we handle 16th Street Mall construction access?
Use alley/garage access, time deliveries before 9 a.m., and post entrance maps that change by block. Losses from planned public works aren’t covered, so mitigation and marketing are key.
What should restaurants do before a forecast hard freeze?
Drip taps, open sink bases, insulate back rooms, and confirm heat on roof drains. Verify water-damage coverage, equipment breakdown for boilers, and spoilage limits for walk-ins.
We run a vehicle lot—how do we insure hail?
Dealers open-lot covers hail on inventory. We’ll set per-vehicle and catastrophe limits, evaluate cosmetic-only options, and align rapid glass vendors to shrink cycle time.
Are hail losses in Denver usually covered if the roof is older?
Yes, but carriers will factor roof age and material. We can pair higher wind/hail deductibles with a deductible buydown, consider cosmetic-damage provisions on metal, and document condition pre-season to speed adjusting.
Does business income apply if the power blinks but nothing is damaged?
Only if your policy includes utility-service interruption or service outage BI. Standard BI requires covered physical loss. We’ll check forms and waiting periods for your grid and neighborhood.
How do we handle 16th Street Mall construction access?
Use alley/garage access, time deliveries before 9 a.m., and post entrance maps that change by block. Losses from planned public works aren’t covered, so mitigation and marketing are key.
From RiNo roofs to Cherry Creek storefronts—we keep you openThat Actually Works
Hail-response playbooks and vetted roof/glass vendorsJoin thousands of Denver businesses already protected.
Join the thousands of Denver businesses who chose protection over hope.