Frequently Asked Questions
Most establishments need General Liability, Property Insurance, Liquor Liability, Workers’ Compensation, and sometimes Cyber Liability. The specific coverage depends on your operations, staff size, and whether you serve alcohol.
If your establishment serves alcohol, you can be held liable if an intoxicated patron causes injury or damage after leaving your premises. Liquor liability insurance protects your business from lawsuits, legal fees, and settlements related to alcohol-related incidents.
No. Standard General Liability policies typically exclude liquor-related claims. Liquor Liability must be added as a separate policy or endorsement if you serve or sell alcohol.
Coverage needs vary, but many states and municipalities require minimum limits. We generally recommend at least $1 million per occurrence to ensure protection against lawsuits, especially in high-traffic or late-night venues.
Property insurance covers your building (if owned), equipment, furniture, signage, and inventory against events like fire, theft, vandalism, and certain natural disasters.
Yes. Even if you don’t own the building, you’re still responsible for insuring your contents, equipment, and any leasehold improvements you’ve made to the space.
Yes. You can add specific coverage for spoilage due to power outages or mechanical failure, as well as equipment breakdown protection for things like walk-in freezers, fryers, or HVAC systems.
We provide same-day turnaround on most certificates of insurance so you can stay compliant and avoid business delays.
Only if you have Workers’ Compensation Insurance, which is legally required in most states. It covers medical costs and lost wages for employees hurt while working.
Absolutely. We recommend notifying us of any changes to your operations. We’ll adjust your coverage accordingly to ensure you remain fully protected.