Industry-Specific Coverage
RESTAURANTS | BARS, LOUNGES & NIGHTCLUBS | ARTS & CULTURE | B&B, HOTEL & MOTEL
Build the Perfect Plan
Property
The building that houses your business is a crucial aspect of the success of your operations. Theft, vandalism, and weather are just some of the many things that can cause significant damage to your building, and the bill to repair can be even more substantial. Protecting your most important assets with an insurance policy can keep your business from a significant financial setback.
Business Interruption
If your building burns down, having property coverage in place to help you rebuild is essential. But what if your business gets shut down by the Health Authority? How are you planning to rebuild your business’ reputation?
General Commercial Liability
Accidents happen, and if one results in a lawsuit, the financial settlement could be problematic for your business. Having a patron slip and fall in your establishment, or falling ill after consuming your product, isn’t something anyone plans for when they come to work in the morning. Unfortunately, accidents happen, so a general commercial liability policy is essential to financially protecting your business.
Crime Insurance
This insurance is designed to protect your business from theft and employee dishonesty. While it’s an unfortunate situation to think about, it can happen. Rather than just hoping it doesn’t, it’s a good idea to have a plan in place, so a loss doesn’t significantly impact your business.
Cyber Insurance
This coverage is essential if your business stores sensitive client information, bank records, or any other vital information on its computer systems. As a business owner, it’s necessary to be realistic about cybercrime risks. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation.
Equipment Break Down
The loss of vital equipment could undoubtedly impact your ability to operate your business. This coverage was designed to protect your gear from losses typically excluded under a general equipment policy. Insured items could be anything from your most complicated piece of equipment to your phones (the lifelines of your day-to-day business operations).
Fine Arts
Your restaurant is in the business of making good impressions. You want your customers to appreciate the high quality of your services before they even sit down with you. Having fine art and other big-ticket décor items is a natural way to convey an atmosphere of class and sophistication. These higher-value items are often not adequately covered under a general property policy but are essential to the success of your business.
Group Benefits
Most business owners agree that their employees are the lifeblood of their business, which makes the attraction, retention, and most of all, the well-being of your employees a top priority. Employee group benefits are an effective way of ensuring the hardworking talent you attract continues to work and continues to work for you!
