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Insurance Coverages
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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.


Direct Loss to buildings, fixtures, equipment, etc.
  • 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


  • 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


  • 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