Learn About Insurance Needs

For Your Business

General Liability

Commercial General Liability Coverage

Each year, roughly 1 in 6 Americans (or 48 million people) get sick, 128,000 are hospitalized, and 3,000 die of food borne diseases.

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The Commercial General Liability Policy provides the insurance protection needed to pay for injuries to customers such as:

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• Bodily Injury

• Slips and Falls

• Property Damages

• Product Liability

• Cuts and Bruises

• Burns and Broken Teeth

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The policy also covers accidents occurring on the premises or away from the premises. In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

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Do you know if you're fully covered?

Liquor Liability

Why Buy Liquor Liability Insurance?

Coverage Up To $1,000,000!

Consider the following scenarios:

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After having several drinks at another bar, a patron walks into a Liquor establishment and is served one drink. While driving home, she enters the opposing lane and collides head-on with another vehicle. The driver and passengers of the other vehicle sustain serious injuries and sue your establishment for contributing to the intoxication of the patron who caused the accident.

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A patron is served alcohol at an establishment, and while walking home is struck and killed by an automobile. The estate of the deceased patron sues, alleging the negligent service of alcohol directly contributed to the accident.

Two of your patrons are involved in a fight. One patron sustains injuries and sues your establishment, alleging the negligent service of alcohol caused the fight.

Assault and Battery

Assault And Battery

Around 60% of claims placed against bars and nightclubs are a result of assault and battery. The claims can range from customers or employees fights, to customers claiming that the security personnel in the bar or nightclub used unreasonable force dealing with them.

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• Do you know about fight Coverage?

• Employee vs. Customer: Who Will Pay?

• Does your bartender drink while working with customers?

Worker's Compensation

Workers’ Compensation Coverages

The most common injuries for restaurant workers are sprains and strains, which account for one-third of all injuries reported by restaurants. Other injuries include:

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• Slips and Falls

• Cuts from Knives or Kitchen Equipment

• Auto Accidents During Delivery or Catering

• Employees Breaking Up Fights in a Bar

• Burns (Hot Liquids, Chemicals, Plates, Stoves, Ovens, or Fryers)

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This coverage agreement obligates the insurer to pay all compensation and other benefits required by the Workers’ Compensation Law or Occupational Disease Law of any state listed in the policy.

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Did you get a 25% schedule credit? Many agents don't know about this... 

Commercial Property Coverage

Building and Personal Property Coverage

The leading cause of fire ignition for restaurants is deep fryers, ranges, and other cooking equipment. Electrical malfunction is one of the most common causes of restaurant fires. Some examples of commercial property damage include:

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• Fire Damage

• Windstorm Damage

• Lightning

• Water Damages from Pipes

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Property is considered to be any item that has a value. Property can be classified as real property (buildings) or personal property.

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The insuring agreement in the Building and Personal Property Coverage Form promises to pay for direct physical loss or damage to covered property.

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Do you know if you're covered?

Commercial Crime Coverage

Commercial Crime Coverage protects against robberies by third parties. This included theft, burglary, robbery, and forgery. Even the most prepared businesses can find themselves victim to a crime. Commercial Crime Coverage can protect your business from financial risk.

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Do you have a warranty on your policy?

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Your alarms must be functioning properly in order to qualify to submit a claim.

Wrongful Termination and Harassment

Wrongful Termination

Should you be worried about a bad employee who files a complaint?

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Employees can be fired at anytime for any reason, but not for the wrong reasons. Here are some termination mistakes:

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• Acting Inconsistently

• Retaliating

• Poor Communication​

• Not Seeking Advice

• Lack of Records

• Not Having Clear Termination Policies

Harassment

Should you be worried about a bad employee who files a complaint?

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Generally, criminal harassment entails intentionally targeting someone else with behavior that is meant to alarm, annoy, torment or terrorize them. Most state laws require that the behavior cause a credible threat to the person's safety or their family's safety. This includes:

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• Stalking

• Menacing

• Inappropriate Touching

• Using Inappropriate or Sexual Language