Coverages

As your business changes, so should your insurance. New equipment, new locations, new services can all impact your coverage. If a fire destroys your kitchen, a guest gets sick from eating contaminated food, or a customer slips and falls; will your insurance help keep your doors open?

We understand your risks and challenges, and will help you create a policy that fits your specific needs. Learn about coverage options below.

Property

• Coverage for attached and detached signs
• Spoilage of product and inventory
• Business personal property including but not limited to furniture, small ware, food & liquor inventory, and computer & point of sale equipment
• Tenants leasehold improvements & betterments
• Business income to replace continued expenses and lost profits while the business is closed for a covered loss

Crime

• Employee dishonesty
• Computer fraud
• Credit card Forgery or slip theft
• Property on premise and away from premise
• Theft

Commercial General Liability

• Advertising injury
• Bodily injury or property damage liability arising out of your business locations or operations
• Completed product liability
• Medical expenses incurred from an accident on your premise
  

Liquor Liability (Dram Insurance)

• Legal defense for third party lawsuits or claims
• Assault and battery included or excluded
• Limits of insurance starting as low as $300,000 up to $2,000,000 or greater

Umbrella

• Provides an additional layer of protection for lawsuits
• Limits available for most customers up to $10,000,000
• Liquor liability can be included in the umbrella policy

Food Borne Illness - Trade Name Restoration

• Covers lost revenue which occurs as a result of a food borne outbreak
• Food Borne Illnesses include but are not limited to:
  Salmonella, E-Coli, Hepatitis A, Norovirus, Accidental Contamination, and Malicious Contamination by employee or customer

Workers' Compensation

• Medical expenses and lost wages incurred from an employee accident on your premise

Employment Practices Liability

• Discrimination
  
• Sexual harassment
• Third party suits
• Wrongful termination

Cyber Liability/Data Compromise

• Business liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network

Special Services Available

• Certificate review and collection for franchise groups
• Claims third party administration 
• Hired & non-owned auto
• Loss control
• Risk management