Restaurant Insurance

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 […]

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 […]

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