We are your Hotel, Restaurant, Nightclub, Bar & Tavern Insurance Specialists!
Welcome to Agency Relevance Demo Site. We are a Hospitality Insurance Agency. We have many years combined experience in insuring all facets of the hospitality related industry.
Our professional customer service team is here to handle all of your insurance requirements so that you can focus on your daily operations. Regardless of what your hospitality business is we can keep you covered. We provide business property, general liability, liquor liability, workers compensation and business auto insurance.
Some of the Insurance Coverages We Offer:
Business Property Insurance
Your business property goes beyond your building and contents. Our specialized bars and taverns insurance may also cover business interruption, food spoilage, sewer and drain backup, lost business income due to utility failure, equipment breakdown, signage, employee crime, high-value art, and more. Our Business Owners Policy for bars and taverns covers common perils, including fire, vandalism, storm damage and broken pipes. It may also cover, or give the option to cover, flood, sprinkler leakage, and the extra expenses associated with a business shutdown due to a covered loss.
General Liability Insurance
A business owners policy for all hospitality type of risks will cover your general liability exposures, and it may provide damage you do to leased property, liquor liability, and some pollution liability among others.
Liquor Liability Insurance
Any establishment that sells, serves, or assists in the purchase or use of liquor (i.e. dram shop) opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns. While it’s logical that the inebriated person should be the one to pay, in reality the business that served the alcohol could be liable for injuries, damages, or both that occurred as a result of actions, behaviors, or conduct of a patron who drank too much.
Loss of Income
Business income insurance is an important but often misunderstood coverage. It is designed to replace income lost as a result of an occurrence that is covered by the policy. It can also cover continuing expenses like payroll or extra expenses incurred during the restoration period. .
Food Spoilage Insurance
Many businesses in the hospitality industry fail to understand the importance of spoilage insurance until after they find themselves in need of it, either because they lost money from spoiled food or have received a patron lawsuit as a result of food poisoning. The first thing you should know is that it’s a fairly inexpensive add-on to your general business insurance policy. That makes it a simple addition for most restaurant owners and provides a flat amount of protection for your restaurant in the event that a power outage or refrigeration equipment malfunction leads to spoiled food.
Workers Comp Insurance
Almost every business with a least one employee needs Work Comp Insurance. Employers penalties for not having Work Comp vary State by State. The penalties can include cease and desist orders,
prosecution for insurance fraud, fines, and jail sentence. Work Comp also protects your business from being sued
Get a quote online or call us to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy including:
- Flexible Payment Options – Whether you pay online, by phone, or by mail, we offer multiple payment options. We accept checks, debit cards, credit cards, and more. You can choose to pay monthly with a low downpayment or pay your policy in full.
- Customized Discounts – These can depend on your type of hospitality business, being an experienced business owner, or for having a General Liability or Business Owner’s Policy with another insurance company.
- Superior Claims Service – Our claims service is designed to help you get back on the road fast. You can report a truck insurance claim anytime. Our staff of in-house claims representatives will give you personalized service from the beginning to the end of your truck insurance claim.