How to Shop for Insurance

When it comes to shopping around for insurance in VA it can be a little stressful. There are so many coverage options and insurance agencies willing to help businesses with their needs. It can be hard to know where to start. With these three tips on what to look for, however, you can find the right agency for you in no time.

Look for Experience

Don’t settle for someone that hasn’t been at the top of their game for years. Some insurance agencies have been leading the way for many years. You don’t have to settle for anyone that isn’t experienced or specialized in your particular business needs.

Look for a Fast Quote

You don’t have time to wait around when you have a business to run. Finding insurance in VA is imperative to the life of your company. You’re not going to want to waste your time waiting on a quote when you could still be looking. Make sure that they offer you a quote quickly.

Look for Versatility

A firm that has many different specialties can help you in all aspects of your life. It’s good to be able to find a solution to all of your insurance needs in one place. If you’re looking for more than insurance for your business, then being able to find it at one firm can be convenient and beneficial.

Insurance shopping can be overwhelming. However, when you know what you’re looking for it can narrow down the search quickly.

Common Liabilities Taverns Face

A tavern is the place for everyone to cut loose, enjoy a few drinks and share memories. Unfortunately, alcohol can lead to certain situations your establishment may be held liable for. Here are a few of the most typical ones that will make you thankful you have tavern insurance.

DUIs

If one of your patrons gets too drunk and then gets behind the wheel of a car, you could be held liable if he or she gets in an accident. The best way to avoid this is for your bartenders to be aware of when someone has had too much and then prevent them from driving.

Injuries

Bars have certain hazards that could result in injuries. Intoxicated patrons may want to start a fight. Even a game of darts or billiards could lead to someone getting hurt. It is good to take all necessary precautions to prevent an injury.

Underage Drinking

As a responsible business owner, you would never intentionally serve underage patrons. However, that will not stop minors from trying to get in. Make sure your staff is skilled at spotting fake IDs. Certain devices exist that allow you to scan IDs. It might be good to invest in one.

With the proper precautions, you may never have to use your tavern insurance. It is still good to have it just in case, but try your best to limit your exposure to risks.

Protect Your Restaurant With Fine Dining Insurance

While many restaurants carry standard coverage for their general liability needs, it is important to invest in quality fine dining insurance in order to properly protect yourself from claims specific to your industry. In addition to the typical property and general liability insurance offered by common coverage, there are many other aspects of your business that need a little extra security.

 

Food Contamination Insurance

 

If your restaurant receives a contaminated product, you could still be liable if your food causes any illnesses to your patrons. Hospital stays and medical bills can be expensive, and without the right fine dining insurance coverage, you could be left holding the tab.

 

Delivery and Catering Coverage

 

When your crew leaves the restaurant, it is important to make sure that they are still taken care of. In the event of a car accident or other job related incident while on location, it is crucial to make sure that your workers compensation coverage extends beyond your front doors.

 

Inflation Guard Protection

 

As your menu and costs continue to evolve, so should your insurance coverage. When you invest in insurance that is specific to fine dining, you are ensuring that your largest assets are always protected as prices increase.

 

Whether you own a small family restaurant or a large chain of dining establishments, make sure to protect your business with superior fine dining insurance.