Restaurants are unique so it is important to have all the coverages needed to protect and minimize the risk to your business: The following are coverages you should consider when operating your Restaurant.

• General Liability Coverage
• Liquor Liability
• Employment Practices Liability
• Property
• Workers Compensation
• Cyber Liability
• Business Auto
• Equipment Breakdown
• Food Spoilage
• Hired & Non-Owned
• Sign & Glass Coverage

A great way to cover Food and Beverage Restaurants is to bundle your coverages in a Business Owners Policy commonly referred to as a BOP. A BOP bundles commercial property and general liability insurance usually at a lower rate than purchasing each coverage separately. You can tailor your Business Owners Policy to meet your specific needs whether it is a restaurant located in a building, a catering operation, a food truck or other Food and Beverage Business.

We would love to help you protect your New Venture Food and Beverage Business or an already established Food and Beverage Business. Please leave your information on the quote Page and we will contact you promptly!

A Community Association Package is a comprehensive property and casualty program designed to help protect all aspects of Community Association Living in one package. (commonly referred to as the Master Policy). Community Associations are unique and depending on the size require varying different types and levels of Coverage. By buying a Community Association Package it can help with the costs of providing the flexible coverages needed to minimize the risks that are experienced in a community. The most common coverages are as follows:

• Property Insurance - Property damage refers to physical damages to HOA buildings or common areas. For example, if a fire damages a building and your policy covers it, you can claim damages. Keep in mind that all policies are different, so it is important that the governing documents are followed in order to find the coverages your Homeowners Association needs.
• General Liability Insurance – covers expenses associated with legal action against the association. For example, if someone injures themselves on HOA property and files a claim against the HOA, then the liability portion is used to cover that action. Defending an association can be expensive, and proper homeowner association liability insurance can help prevent additional special assessments to cover the cost.
• Directors & Officers (D & O) Coverage - Homeowners associations should always be prepared for legal situations should they occur, and D&O insurance gives them a way to mitigate their risks.
• Crime & Fidelity - A typical homeowner’s association will have money in their operations and reserve accounts. When there is money involved, so is the possibility of theft, fraud, and other financial crimes. Therefore, it is important to have a comprehensive crime and fidelity insurance package.
• Umbrella Protection to protect the Community Association assets in the event of a major incident. An HOA has a considerable amount of exposure and incidents could potentially happen every day. The umbrella helps mitigate your exposures and helps protect the HOA from Financial and reputable Damage. It also protects your Board of Directors from those allegations that could include Legal Action.

Being an independent contractor or freelancer is a dream come true for many people. We specialize in many business types to support independent contractors, sub-contractors to make sure the risk of doing business is minimized. People such as plumbers, carpenters, handyman, painters, doctors, accountants, barbers, dentists to name just a few in the independent trade.
There are a lot of risks with owning your own business as you are vulnerable to lawsuits Regardless of where the fault lies you need a team to help you work through these difficult times. Let us help you get the right protection so you can confidently manage your Business Successfully and reduce your risks!
There are three main types of Business Insurance Policies for Business like you. General Liability, (BOP) Business Owners Policy and Professional Liability.

Workers Compensation Insurance provides medical and loss wage benefits to workers who have a work-related injury. In addition, it also includes work related Illness, repetitive injuries disability benefits, and death benefits.
If you are not protecting your employees with Workers Compensation, it could be very costly to you. The employee could sue you individually for their work-related Injury or disability.
Each State has State specific requirements however most states require businesses to carry workers compensation insurance. There are many factors that go into determining Workers Compensation Insurance for your business. It can depend on size of business, type of employee, full-time/part time, Casual Workers, Business Owners & Business Partners so it is very important that you know what your States requirements are. Each State has its own classification code depending on the work performed. That code along with your business payroll determines your workers compensation rates.

Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance compliments your other liability coverages by taking over in the worst-case scenarios when your other liability coverage limits have been reached.

Commercial umbrella insurance provides you the flexibility to give you higher coverage protection across multiple policies at once thus the term umbrella.

A lot of smaller companies have the standard $1 million in general liability coverages. In the event you have a large liability claim from an accident that exceeds your standard liability the umbrella coverage kicks in up to the higher liability requested such as 5 million. As many Insurance provide different limits please click the quote button and we will look for the best possible protection for you.

Cyber Attacks have become increasingly common over the last few years. For any business it can be very expensive however for a small business it can be a devastating loss and even put them out of business.

Cyber Liability is a very important coverage giving businesses an insurance that can help them recover from financial losses. It can pay for attorney’s fees, credit monitoring and other costly expenses from a data breach.

We would be happy to help you look over the Cyber Liability Coverages please just request a quote, and we will get back to you promptly!