Pandemic Brings Brief Reprieve from Traffic Congestion but Not from Rate Hikes

December 02, 2020 News

Obtain a Commercial Fleet Insurance Quote Now from The Business Insurance Center

As with all aspects of running a business, you must keep costs in mind. Your bottom line is vital to keeping your doors open. Things looked pretty sketchy for the United States at the beginning of 2020 as COVID-19 moved across the country. Company after company shut their doors as local and state governments issued stay-at-home orders. Only the most essential businesses were able to keep operating. That included the transportation industry and those who utilized fleets to accomplish their jobs.

The silver lining to the pandemic came in the form of reduced traffic congestion, resulting in fewer fender benders and crashes. This good news has overshadowed by the reality that commercial insurance rates have been and will continue to increase. According to a recent article in Transport Tropics, one reason is because of nuclear verdicts. That is judgments of $10 million or higher awarded in truck crash cases.

Before rates increase, causing your bottom line to shrink, contact the team at The Business Insurance Center about a commercial fleet insurance quote. We’ll be glad to review your existing coverage, look for gaps that leave you vulnerable, and offer you options at reasonable rates to plug the holes. Our goal is to help you keep your trucks, vans, and automobiles on the road so that you can keep your business growing.

4 Ways Commercial Fleet Insurance Supports Your Business

Stay on the road without breaking the bank when you choose commercial automobile coverage. Here are a few areas in which you can get protection:

Liability: Accidents happen where people get hurt and property damaged and you can be held liable if you are at fault.
Collision: Fender benders happen. Get coverage for your vehicles to help in these instances whether you hit another car, or someone hits you.
Comprehensive: Sometimes, things happen that are not your fault. Paying for events from theft, wind, flood, or vandalism can drain your reserves quickly.
Uninsured or underinsured motorist — You may not be at fault but the other party may not have adequate insurance.
Roadside Assistance: When your vehicle breaks down, has a flat tire, or a dead battery, it’s a relief to know you can get help quickly and get back on the road as soon as possible.

Get Your Commercial Fleet Insurance Quote before Rates Rise – Call the Business Insurance Center

Don’t be stuck paying high rates later when you can get better ones now. Contact The Business Insurance Center and discuss your needs with us. We’ll provide you with a commercial fleet insurance quote that saves you money and gives you peace of mind. For more than 30 years, we have helped business owners across a broad spectrum of industries gain the protection they need to succeed. Call us today to lock in lower rates.

Request a quote online or call and speak with a knowledgeable broker about obtaining a commercial fleet insurance quote. We have a 24/7 call center to serve you and an online Live Chat operator.

Why You Need a Blog for Your HVAC Business

December 02, 2020 Blog

Tips from Your Dependable HVAC Contractor Insurance Provider

Sometimes in the service industry, it is easy to focus on the hands-on, day-to-day items that keep your customers happy. You need to keep moving from one project to the next to ensure homeowners and businesses have heat in the dead of winter. You may think your job is not as exciting as others and therefore, doesn’t warrant an impressive social media account. You might think that writing a blog is useless. You’re mistaken.

Grow your position as an expert in the HVAC service industry when you start a company blog. You can benefit from more clientele, and the opportunity to serve many more than you ever thought possible without leaving your work truck. The brokers at The Business Insurance Center know that growing a company takes hard work. We also understand that you need HVAC contractor insurance to ensure your efforts are not wasted.

Why You Should Have a Blog for Your HVAC Service Company

Have you considered a blog or other types of marketing in today’s online world? Here are a few reasons to start a company blog:

You become the go-to HVAC service company in your area. By sharing information in blog posts, you show those in your service area your area of expertise. When you produce a post answering a question, your audience (i.e., those looking for this answer) knows they can come to you for help. They recognize your authority.
You increase your search engine visibility. There are very few people who don’t use the Internet. Our cell phones ensure we can always find the information we seek. Search engines utilize the frequency of your posts, the length, the accuracy, and the keywords to rank information. Well-written posts with accurate information and regular publishing will aid your blog in making its way to the top of the page where customers can see you.
You build rapport with established and potential customers. Sharing information through comments on your blog can aid you in creating a good rapport with potential customers. You may also get more engagement by posting a link to the blog post on your social media accounts. So, consider blogging as a part of an overall marketing package.

What You Should Cover on Your HVAC Blog

If the thought of sitting down to write a blog post gives you flashbacks of your super uptight ninth-grade English Composition teacher, take a deep breath. Remember that you are an expert in your field, and you answer these kinds of questions every day. Now you’re just putting your knowledge in written form to help more people. Consider these ideas to spark your creativity:

Talk about the importance of regular maintenance.
Discuss how to prep an air conditioner for the winter.
Explain how a ductless heat pump works and the benefits of owning one.
Give tips for preparing for bad weather like hurricanes.
Share frequently asked questions about HVAC systems.
Explain the how-to’s of cleaning and changing out filters and vents.
Share your take on the best heating and cooling options for specific types of rooms, like basements or sunrooms.

Keep Protected with HVAC Contractor Insurance from The Business Insurance Center

Stake your claim as an expert in your field when you regularly create and publish content on your company’s blog. Don’t forget to have the right HVAC contractor insurance in place as well. You never know when things will take off and you need the protection good coverage provides. The knowledgeable brokers at The Business Insurance Center are happy to help you get the policies you need at rates you can afford. Call us today to ask what we can do.

Request a quote online or call and speak with a knowledgeable and experienced broker at The Business Insurance Center about insurance for HVAC contractors. We have a 24/7 call center to serve you and an online Live Chat operator.

Grocery Store Insurance Protects You from 5 Common Risks

November 30, 2020 Blog

Stay on Top with Help from The Business Insurance Center

Grocery stores are an invaluable part of our economy as the COVID-19 pandemic proved. Once thought of as a Saturday morning ritual, grabbing groceries has gone through a metamorphosis. Instead of having many customers physically in your store, you now spend your days shopping for them so that they can stop by and pick them up. Staying in business is imperative because of the service you provide. Yet, you know that each day you’ll face new challenges. You need a company that can assist you in protecting your organization.

Enjoy the peace of mind that comes from knowing you have the best grocery store insurance available for your needs. One call to the brokers at The Business Insurance Center gets you started. We work with grocery store owners across the country with coverages that safeguard their enterprises to continue servicing their communities with confidence.

5 Risks Grocery Stores Faces Daily

Here are five of the most common risks your store faces daily:

Physical and Data Theft: Unfortunately, theft is not going away soon, and criminals are getting more brazen. Not only do you face the loss of products directly from your shelves, but cyber thugs want any data you house in your databases. Installing a video-monitoring system is one step. Training your employees to spot shoplifters and phishing scams is another. Having the right insurance coverage, including a grocery store insurance program, will give you added peace of mind.
Damage to Inventory: Natural disasters can affect your inventory on the shelves and in your back room. Think of a hurricane or ice storm that causes power outages. Now, consider the spoiled food within your refrigerators and freezers. Not only do you face a disgusting clean-up of rotting food, but you have to replace that entire inventory. Do you keep cash around for this type of risk? Most stores don’t.
Customer Injuries: Icy walkways, wet floors, spilled milk, it’s all enough to make you cry when a customer slips and falls. Your general liability policy helps in these instances, so keep those wet floor signs handy and reach out to your insurance broker to ensure you have adequate coverage. Don’t forget a workers’ compensation policy for those times your employees get hurt.
Losing Out to the Competition: If you don’t have a web presence, you’re in jeopardy of not ensuring long-term success because your competitor most likely does. Go ahead and enter the digital age with a website and some social media exposure. It’s possible to get sued for libel, slander, or copyright infringement when online. Talk to your insurance broker about having the right coverage in place now.
Unplanned, Forced Closure: Anyone who is not aware of the pandemic may be living under a rock. Across the globe, families, companies, and governments have been affected by this sinister microbe. Many companies have had to shut down because of the virus, or other events such as fire or flooding. When you close unexpectedly, you lose income. You can get help from business interruption insurance.

Safeguard Your Grocery Store with Specialized Insurance Coverage

You do your part to serve your customers with food. Let us help you protect your company with grocery store insurance. Talk with a broker from The Business Insurance Center today and know you are getting comprehensive coverage and reasonable rates. We’ll look over your existing plans to spot gaps, then we create a customized program to fill the holes. Give us a call and enjoy our 30 years of experience serving business owners like you.

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center about purchasing grocery store insurance for your enterprise. We have a 24/7 call center to serve you and an online Live Chat operator.

4 Risks You May Face this Winter Season

November 28, 2020 Blog

“Stay Safe” Tips from Your Business Insurance Providers

Who doesn’t love winter with the white fluffy snow that creates an outdoor sports lover’s paradise? Many of us do enjoy the weather that winter brings. We don’t mind the cooler temperatures and snow that brings on the holidays. With all the season’s beauty however, comes the frightening reality that Old Man Winter has a few tricks up his sleeve that can affect your business. Imagine trying to recoup from flooding because of a frozen bathroom pipe. How far back would that put you?

Before you add icing to your first gingerbread man of the season, take steps to have your building winter-proofed, and reach out to competent business insurance providers through The Business Insurance Center. We offer a variety of coverages to fit most small business needs. We get you the protection you need for those moments when catastrophe strikes.

4 Areas that Pose Winter Risks to Your Small Business

It’s easy to forget how unforgiving Mother Nature can be when the weather gets bad. Nasty storms and dropping temperatures can make a perfect holiday season turn sour. Here are four areas you’ll want to address before the thermometer dips below freezing:

Frozen Pipes: Plumbing can burst when the temperature outside dips so low that water in the pipes freezes. The result is hundreds or thousands of dollars in damage. Not only can your floors be affected, but also the walls. You can keep this from happening by having all holes and cracks sealed, keeping the temperatures inside consistent, leaving a tiny stream of water dripping from your faucets, and installing back-up power to keep things warm.
Roof Collapse: Depending on the area of the country you live, you may experience a lot of snow. The weight of a heavy snowstorm can cause your building’s roof to collapse. You’ll want to have that accumulated snow removed by a licensed and bonded contractor.
Icy Walkways: Slip-and-fall accidents can be your worst nightmare. Your general liability policy helps with this kind of issue. However, it’s a better idea to avoid it so make a plan to promptly remove snow from walkways, sprinkle salt, and put in non-skid mats in your building’s entrances.
Winter Storms: Ice is gorgeous when it doesn’t cause downed power lines that keep you from running your business. Having the right coverage from a qualified business insurance provider can help mitigate losses from winter storms.

Get the Right Protection before Winter Sets in

No matter what part of the country you live in, storms and temperatures can make doing business frustrating. Living in the regions that get a lot of snow and ice bring with them additional risks. You can mitigate those risks with proactive planning and by making a call to your Business Insurance Center broker. We have the years of experience to help you get the coverage you need at rates you can afford. Call us today!

Request a quote online or call and speak with knowledgeable and experienced business insurance providers. At the Business Insurance Center, we have a 24/7 call center to serve you and an online Live Chat operator.

Tax Season Is Around the Corner – Get Ready Now!

November 25, 2020 Blog

Helpful Suggestions from Your Contractors Insurance Brokers at the Business Insurance Company

Because we delayed tax filing to July 15, 2020, it seems like we just finished tax season. Who wants to think about the next one already? Avoid getting sidelined with last-minute record gathering by starting the process now. Your accountant will love you since the next filing season looks to be exceedingly different because of the Paycheck Protection Program (PPP).

As you tidy up your bookkeeping in anticipation of a visit with your tax preparer, why not schedule an appointment with your broker for, contractor insurance? The Business Insurance Center team will gladly review your current policies, discuss your goals, and look for gaps in coverage. We will then create a tailored coverage plan that aims to help you meet your objectives for 2021.

4 Common Tax Deductions

We aim to help you get ready for filing your 2020 taxes. Sometimes, there are items we don’t consider when gathering records for our accountants and tax preparers. Each contractor business is different so be sure to confirm all information with your tax advisor. In the meantime, here are some common tax deductions for self-employed contractors:

Mileage: Each time you travel from one job site to another, you should record the mileage. Did you know that you ought to keep track of other work-related travel? Here are three additional times you may want to note:
- Traveling from one work location to another
- Traveling to meet clients
- Traveling to buy tools and materials for a construction job
There are a few ways the IRS allows you to deduct mileage. Ask your accountant about your specific situation for best results.

Trade Tools: You have some tools that you may deduct immediately. Others may need to be depreciated over a more extended period. In either case, keep up with receipts and record the following expenses:
- Vehicle expenses
- Advertising and marketing
- Salaries for both subcontractors and employees
- Supplies and materials
- Tools, both those that will only last about a year and others that you will keep for several years, such as cement mixers, compressors, ladders, buildings, real estate, or other heavy machinery
Safety Attire: This category includes your hard hats, boots, and tool belts, as well as other clothing specific to your trade.
Fees: As a business owner, you want to keep your ear to the ground continually. Doing so may require joining a professional organization, getting additional training, or obtaining special licenses. They may be tax-deductible.

Protect Your Business for Many Tax Seasons with Contractors Insurance

Save the most money in your taxes and your insurance when you consult professionals. Talk with your tax preparer about the tax deductions that you can take advantage of. Then, head to your Business Insurance Center broker to discuss the best contractor’s insurance policy to save you money while giving you the right coverage. Our years of experience give us a foot up on assisting you. Take advantage of our knowledge and call us today.

Request a quote online or call and speak with a knowledgeable and experienced broker at The Business Insurance Center about obtaining general and specialized contractors insurance. We have a 24/7 call center to serve you and an online Live Chat o

Update Your Commercial Insurance to Cover COVID-19 Cybersecurity Threats

November 06, 2020 News

Cybersecurity Attacks Prompt Need for Cyber Liability Insurance

As more people work from home during the pandemic, cybersecurity threats have increased. Cybercriminals have used COVID-19 as an opportunity to increase the scope of their attacks not only on businesses but on remote employees connecting to business networks.

According to CNBC News, the problem has grown increasingly worrisome, especially for small businesses with limited resources. Here are a few highlights to consider:

The number of data breaches has intensified as cybercriminals target vulnerable connections, such as employees working on unsecured home networks or Wi-Fi.
Companies reported a three-fold increase in cyberattacks in the first quarter of 2020, according to a year-over-year study from iomart, a cloud computing company.
Ransomware, island hopping, and destructive attacks threaten customer and company data in these uncertain times.

Although many businesses are running lean amid pandemic recovery efforts, you might want to consider beefing up at least one area of your business insurance. The Business Insurance Center offers quotes on cyber liability insurance in as little as 30 seconds. Free penetration tests and up to $30 million in coverage make this expense one of the most cost-effective in the industry.

Contact the team to find out how you can safeguard your customers’ private data and avoid legal and regulatory issues that could shut down your business. We offer experienced professionals to help you assess your risk, shore up gaps in your cyber liability insurance policy, and gain protection in the event of a catastrophic cyberattack.

Types of Cybersecurity Liability Insurance to Protect Your Business

Choose a business insurance firm that understands the unique needs of your business. If you collect and store private information on your customers, you may become a target for cybercriminals. At the Business Insurance Center, we understand the risks businesses face across a wide array of industries. We work hard to tailor coverage that considers the kind of access clients and employees have to your networks and how to make your data more secure.

Common coverage in a cybersecurity liability insurance policy:

Network security policies protect you against losses due to theft of intellectual property, destruction of data, equipment damage, loss of customer data, and cyber extortion.
Privacy liability covers breaches such as unauthorized data collection and wrongful information disclosure due to human error.
Cyber risk insurance covers first and third-party liabilities due to information exchange with your business partners such as suppliers and vendors.

Stay Protected from Cybercriminals During the Pandemic

By bolstering your commercial insurance with a cyber liability insurance policy, you can protect your customers and business throughout the pandemic and beyond. Talk with the knowledgeable insurance specialists at The Business Insurance Center to discuss how else you can strengthen your insurance coverage without breaking the bank.

Our insurance brokers and agents are available 24/7 via our live chat or call center channels. Get a no-obligation quote online or call us when it’s convenient for you. We can find cyber liability insurance and other commercial insurance policies to uniquely meet your needs.

6 Services to Offer as a Roofing Contractor

November 05, 2020 Blog

Suggestions from the Friendly and Knowledgeable Team at The Business Insurance Center

When you start a business, you may choose to specialize in one area. However, expanding your services gives you many more opportunities to grow your company and your outreach to clients. It only makes sense that a roofing company takes care of the shingles on top of a home or business, but don’t forget that repair work can also increase your bottom dollar while providing a valuable service.

Protect your enterprise at all levels of operation when you obtain roofing contractor insurance from The Business Insurance Center. Our experienced brokers assist in many different types of industries, including plumbing, janitorial, and roofing. We understand that our customers’ needs vary based on their market, and we are ready to help you get the coverage you need to safeguard against claims.

6 Roofing Services to Offer Your Clients

Avoid pigeon-holing your company by offering several different types of services; all focused on keeping your client’s protected in their homes and offices:

Emergency Services: Mother Nature stops for no one. She will bring forth torrential rains, hail, and wind, which may cause extensive damage to shingles. The formation of ice dams will cause major problems, including leaks. Providing emergency service gives homeowners peace of mind that they can depend on a professional to assist in their time of need.
Gutters: The gutters around a home guide water and debris that runs off the roof, thus protecting the exterior, foundation, and landscaping. Offering to install, clean, and inspect can be a lucrative service that can give you repeated, seasonal business.
New Roofs: A prominent service is installing new roofs. With the variety of material options available, you can give your customers a look they want with the protection they need. Remember to expand your options by installing not only asphalt shingles but also metal.
Roof Inspections: Regular inspections will thwart significant damage and save your customers tons of money. Whenever there is a water leak, it’s vital to track it down as soon as possible before interior damage is done. Use your expertise to keep your clients’ homes safe and dry.
Roof Repair: Where there is damage, there is a need for repair work. It doesn’t matter if it’s one shingle or the side of a home. Help your customers breathe easier by providing a repair service that ensures leaks are stopped in their tracks.
Roof Ventilation: Poor airflow will lead to excessive moisture buildup, causing stains on ceiling or walls, black mold and mildew, and curling shingles. Give your homeowners the airflow they need to keep their roof intact with ventilation.

Roofing Contractor Insurance Made Simple – Contact The Business Insurance Center

Nothing beats a dry, warm home or workplace. You give your clients what they want when you expand your scope of roofing services. The brokers at The Business Insurance Center ensure you can pop your chalk lines confidently by offering roofing contractor insurance. Give us a call and put our more than 30 years of experience to work for you!

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center about purchasing roofing contractor insurance. We have a 24/7 call center to serve you and an online Live Chat operator.

Serve Your Janitorial Clients Well with Timely Topics on Your Blog

November 02, 2020 Blog

Helpful Marketing Ideas from Your Janitorial Insurance Provider

Business owners should always be marketing their products or services. That includes all industries, even cleaning. However, many janitorial services are stumped at what they should post to their social media feed or website. You may feel you’re in the same situation. Who wants to hear about waxing floors in an automobile dealership? You might be surprised! Your service has always been important, and COVID-19 has proven that heroes sometimes wear rubber gloves, non-slip shoes, and polish a sink like no other.

Take advantage of the opportunities to grow your clientele when you make deliberate marketing strides, including through your blog. Keep your efforts, and your company protected when you obtain insurance for your janitorial services through The Business Insurance Center. Our brokers have the knowledge you need to get the best coverage at reasonable rates so you can keep cleaning with confidence.

5 Blog Topic Ideas for Your Janitorial Marketing Plan

Coming up with ideas for new blog topics can be difficult and frustrating. It doesn’t have to be. Check out these five ideas to add to your blog marketing plan:

Talk about New Types of Disinfection: With the pandemic, most of us are learning that there is a difference between cleaning and disinfecting. Broaden your client’s horizons by discussing the benefits and drawbacks to any new types of disinfection options.
Discuss Carpet Cleaning: Some customers may think cleaning their carpet should be done weekly, where others may consider yearly as good enough. Take the time to educate your clients on the merits of regular carpet cleaning.
Suggest Ways to Protect their Employees and Themselves: Cleanliness has never been as vital as it is in the year 2020, and henceforth. As offices start allowing skeleton crews back in, they’ll want to ensure their team’s safety. Give them tips to aid in protecting themselves.
Consider a Series of How-To Style Posts: Almost everyone enjoys how-to style articles, especially when they’re beneficial to a specific need. Proper cleaning and sanitizing tips are practically a shoo-in for getting your clients engaged in your services.
Segregate Topics to Client Type: Writing for the general audience is good, but it pales in comparison to aiming for a specific client type. For example, cleaning a warehouse is entirely different than cleaning office space. IT professionals worry about the types of cleaners used near delicate electronic equipment. Consider topics that speak to the needs of unique customer groups.

Give Your Janitorial Business an Additional Boost with Janitorial Insurance from BIC

There has never been an easier time to conduct inexpensive marketing techniques than there is today. Writing informative posts and utilizing your social media page to promote them keeps your business where it needs to be – in front of your ideal audience. Safeguarding the fruits of your marketing efforts is what we are all about at The Business Insurance Center. You get the clients; we will get you the janitorial insurance you need.

Request a quote online or call and speak with a knowledgeable and experienced broker at The Business Insurance Center about insurance for janitorial services. We have a 24/7 call center to serve you and an online Live Chat operator.

What Is the Difference between Commercial Auto Insurance and Personal Auto Insurance?

October 30, 2020 Blog

Quick Guide to Help You Navigate the World of Insurance

Are you considering earning some extra funds by delivering pizzas in your car? Have you started a landscape business and now use your truck to haul tools and mulch to your job sites? If you do and you’re in an accident, your personal auto insurance policy may not pay out. Why do you need different coverage for work related incidents? The answer boils down to the type of activity conducted at the time of the accident. In other words, if you use your personal vehicle for company use, then you must look into a commercial auto policy.

Don’t put your business or personal assets in jeopardy by settling for the wrong or insufficient coverage. Contact The Business Insurance Center about commercial auto insurance and breathe easier knowing you’re protected. We will sit with you to discuss your needs and how you use your car. Then we’ll customize a plan to include the best coverage to protect you and your enterprise.

4 Common Questions about Commercial Fleet Insurance

The size of your business doesn’t matter when it comes to getting the appropriate type of insurance coverage for your automobiles. Instead, there are other factors at play to determine what the best coverage is for you. Here are some questions you should ask:

What is commercial auto insurance? If you use your personal car to run errands for your business, you are using it in a commercial capacity. A commercial auto policy offers a layer of protection when a car, truck, or van is explicitly used for business purposes. It doesn’t have to be a dedicated vehicle either.
What makes it different from personal auto insurance? You face more liability risks when you operate a business than you do as an individual. Therefore, you need coverage for those risks, such as:
- Property or liability trailer exposure
- Equipment that is used with or is attached to your vehicle
- Exposure when loading and unloading
- Hired-vehicle and non-owned vehicle protection
How do I know if I need a commercial auto policy? It can be a fine line between personal and commercial use. You may need fleet coverage if you use your vehicle for any of the following:
- Transport equipment and tools
- Travel to job sites
- Deliver goods like pizza and newspapers
- Offer driving services (think Uber, Lyft, limousine, or taxi)
- Transport freight or to tow other vehicles

Additionally, cars owned by your business, whether a corporation or partnership, may need to change the policy type. The same goes for vehicles leased or rented to others or if employees drive your cars and trucks regularly. Keep in mind that size and weight matter as well.

How much will I spend on a fleet policy? As with any insurance coverage, there are many mitigating factors, such as the vehicle’s cost, type, number, usage, and driving records of all drivers. Your Business Insurance Center broker can help with a commercial fleet insurance quote.

Know Your Company Vehicles Are Covered – Get a Commercial Fleet Insurance Quote from BIC

Leave nothing to chance. Get a commercial fleet insurance quote today. The brokers at The Business Insurance Center have the knowledge and experience to design a plan that will protect your enterprise in the event of a claim. Put our 30 years of insurance understanding to the test by giving us a call!

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center about purchasing commercial auto insurance for your company. We have a 24/7 call center to serve you and an online Live Chat operator.

Now is the Perfect Time to Review Your Restaurant Business Insurance

October 28, 2020 News

Thwart the Unknown with a Sound Quote

COVID-19 set in motion completely different ways of handling business. If we had been told in November of 2019 that we would be under state-mandated stay-at-home orders, few of us would believe it. However, the spring of 2020 proved that a tiny germ could cripple the world. Many companies, deemed non-essential, shut down operations and sent their employees home. Restaurants had to quickly pivot from serving meals in their dining rooms to offering curbside and contactless pick-up. We all had to rethink how to function and what was necessary. One area to re-evaluate needs to be your business insurance.

Find the help you need to continue operating your enterprise when you talk to the experienced brokers at The Business Insurance Center. We understand that your passion is food, and feeding people spurs you each day. We can assist you with restaurant business insurance that protects your operations, whether it is a bar, diner, or food truck. Let us come alongside and offer the support you need.

5 Policies to Keep Your Kitchen Grill Sizzling

The pandemic set the world on its ear. No one was spared from the ramifications, including restaurateurs. The insurance world is evolving and aims to assist in future interruptions similar to the coronavirus. In the meantime, as your business grows, look to these policy types to give you added protection:

General Liability: If insurance coverage were set up like a meal, this policy would be your standard meat and potatoes. Get protection from liability claims for injury to patrons on your premises, among other risks.
Commercial Property: Protect your building, whether leased or owned, from incidents of fire, water damage, or other covered events. Think about the last kitchen fire you had. It pays toknow you were able to replace walls and equipment.
Automobile Liability: Thinking about adding delivery services or maybe a food truck? Getting from customer to customer or neighborhood to neighborhood opens up many additional risks. The vehicles you use need to have policies that will get you back up and rolling if an accident occurs.
Liquor Liability: You may find your alcohol sales increased a tad as consumers deal with unprecedented times. This can give rise to incidents that result in damages caused by individuals under the influence of alcohol. It would help if you had this to support your liquor license.
Food Contamination:2020 has proven anything can happen. You could have faulty wires that shut down your freezer, causing your perishable foods to spoil. Get help replacing your stock with coverage specific to that type of event.

Get Your Customized Restaurant Insurance Quote Today

Now is the time to reevaluate your business plan, including obtaining a restaurant insurance quote to verify you have the coverage you require. Our brokers will happily discuss your options and tailor a plan for you and your enterprise. We work with owners of bars, cafes, cafeterias, diners, delis, and food trucks. Are you a caterer? Give us a call!

Request a quote online or call and speak with a knowledgeable broker about restaurant business insurance programs. We have a 24/7 call center to serve you and an online Live Chat operator.

Pandemic Brings Brief Reprieve from Traffic Congestion but Not from Rate Hikes

Obtain a Commercial Fleet Insurance Quote Now from The Business Insurance Center

4 Ways Commercial Fleet Insurance Supports Your Business

Get Your Commercial Fleet Insurance Quote before Rates Rise – Call the Business Insurance Center

COMMERCIAL FLEET

CYBER CRIME

RESTAURANT

CONTRACTOR

CONDO ASSOCIATION

DAY CARE

FARM

SMALL BUSINESS

JANITORIAL

POLLUTION LIABILITY

WORKERS’ COMPENSATION

NURSING HOME

CONVENIENCE STORE

DIRECTORS & OFFICERS

MANUFACTURING

Why You Need a Blog for Your HVAC Business

Tips from Your Dependable HVAC Contractor Insurance Provider

Why You Should Have a Blog for Your HVAC Service Company

What You Should Cover on Your HVAC Blog

Keep Protected with HVAC Contractor Insurance from The Business Insurance Center

COMMERCIAL FLEET

CYBER CRIME

RESTAURANT

CONTRACTOR

CONDO ASSOCIATION

DAY CARE

FARM

SMALL BUSINESS

JANITORIAL

POLLUTION LIABILITY

WORKERS’ COMPENSATION

NURSING HOME

CONVENIENCE STORE

DIRECTORS & OFFICERS

MANUFACTURING

Grocery Store Insurance Protects You from 5 Common Risks

Stay on Top with Help from The Business Insurance Center

5 Risks Grocery Stores Faces Daily

Safeguard Your Grocery Store with Specialized Insurance Coverage

COMMERCIAL FLEET

CYBER CRIME

RESTAURANT

CONTRACTOR

CONDO ASSOCIATION

DAY CARE

FARM

SMALL BUSINESS

JANITORIAL

POLLUTION LIABILITY

WORKERS’ COMPENSATION

NURSING HOME

CONVENIENCE STORE

DIRECTORS & OFFICERS

MANUFACTURING

4 Risks You May Face this Winter Season

“Stay Safe” Tips from Your Business Insurance Providers

4 Areas that Pose Winter Risks to Your Small Business

Get the Right Protection before Winter Sets in

COMMERCIAL FLEET

CYBER CRIME

RESTAURANT

CONTRACTOR

CONDO ASSOCIATION

DAY CARE

FARM

SMALL BUSINESS

JANITORIAL

POLLUTION LIABILITY

WORKERS’ COMPENSATION

NURSING HOME

CONVENIENCE STORE

DIRECTORS & OFFICERS

MANUFACTURING

Tax Season Is Around the Corner – Get Ready Now!

Helpful Suggestions from Your Contractors Insurance Brokers at the Business Insurance Company

4 Common Tax Deductions