Liquor Liability Insurance –The liquor liability insurance is specific to those business owners serving beer, wine or alcohol and the insurance covers you when a person is over served. The coverages kick in when the alleged intoxicated person is over-served and is involved in an incident on or off the premises. This is coverage for incidents from bar fights to auto accidents and helps protect the licensee in the event of a lawsuit. Typically, most states require anyone who serves alcohol to have this coverage. Hospitality Insurance Agency will place your liquor liability coverage with an experienced insurance carrier who specializes in this type of coverage.
Workers’ Compensation Insurance – The workers’ compensation insurance protects your biggest asset, your employees. The coverage is for a person who is injured while on duty and acting in the interest of the employer. Workers’ Compensation coverage will provide medical payments and some lost wage coverage to your employees. Most states require businesses to have work comp coverage. Hospitality Insurance Agency has different markets for this coverage, and we can find the best price for your business.
Commercial Property Insurance – The commercial property insurance covers all of your tangible assets – employees! This type of insurance will cover you from a covered cause of loss on the policy. Most bars, restaurants, clubs and party stores rely on their building, contents and equipment, so you need this coverage to protect them against business ending disasters. Hospitality Insurance Agency will help place your property with an insurance carrier who is experienced with your needs.
Commercial General Liability Insurance – The general liability insurance protects the business owner from injuries to patrons while on your premises. The policy protects against bodily injury and property damage from your operations, products, and completed operations; and also for advertising and personal injury liability. Hospitality Insurance Agency has companies that have the knowledge to give you the coverage you need in this area.
Disclaimer – The terminology above is for general information purposes only and is not meant as complete or entire explanation of any of the coverages. All coverages are determined by the individual policy.