Beat Your Restaurant’s General Liability Insurance Audit

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General Liability Where Gross Sales Isn’t The Rating Basis! Traditionally, the General Liability (GL) portion of a Commercial Package Policy (CPP) used sales as the rate basis to determine rates. Business Owners Policies (BOP) base General Liability rates on the amount of property at the insured location instead. Some hospitality businesses still benefit from this rate structure, like […]

Beat Your Workers Comp Audit with Pay As You Go Solutions!

Beat Your Workers Comp Audit with Pay As You Go Solutions!

Unlike General Liability – Its Rate Basis will always be payroll Unfortunately, Workers Compensation will ALWAYS be based on your actual payroll. There’s no way around it. Workers Compensation Premium = Company Rate x (Remuneration / 100) WAIT – you may say – I thought the STATES made the workers compensation rates?! That is partially true. In […]

Restaurant Insurance That Won’t Eat Your Margins

Restaurant Insurance That Won’t Eat Your Margins

As a successful restaurateur, I’m sure you’ve been bitten by a large insurance audit bill after a great year! Request Quote Picture This: Things are going great – you’ve been turning extra tables  while successfully cross selling apps and desserts which means average check numbers are up, so the server’s tips are up and everyone’s […]

Do I REALLY NEED Liquor Liability Insurance?

Do I REALLY NEED Liquor Liability Insurance?

Liquor Liability Insurance is not cheap – Is there a more Cost Effective way to protect your bar or restaurant? Some alcohol service establishments avoid paying the “high” premiums for liquor liability insurance, because they think they can protect themselves with elaborate corporate structures. There is a theory that if you own and operate your bar […]

If my tree falls on my neighbor’s house, and there’s nobody around to hear it…

If my tree falls on my neighbor’s house, and there’s nobody around to hear it…

…Does my insurance pay? We get this question a lot! OK, not exactly THAT question, but when fall and summer storms get those mighty oak trees swaying, our phones start ringing, and about half of the people we talk to don’t like the answer. Many people feel that a homeowner with a large tree should assume […]

What is Umbrella Insurance?

What is Umbrella Insurance?

Umbrella insurance is for that one in a million catastrophe.  Those are long odds, but it won’t feel that way if YOU are the ONE!  What Umbrella Insurance Does Umbrella policies are called that because they float over your other limits of liability, and provide some additional coverage not found on your underlying policies. You […]

4 Tips to Save Big on PA Liquor Liability Insurance

4 Tips to Save Big on PA Liquor Liability Insurance

Get Liquor Liability Quote Here Liquor Liability Insurance is a necessity in today’s hospitality marketplace given the modern legal environment. You can lose it all over one bad decision your employee makes without a good protection plan. Even with that threat looming, some owners shy away from coverage. Liquor liability insurance premiums can be high.  Heritage […]

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