Coverage Options

Business Owners Package Policy
This policy is designed for small businesses and covers a majority of the exposures you may face as a business owner. Some of these coverages include general liability, product liability, loss of income or damage to your property and/or store.

Workers Compensation
From the moment you hire your first employee, you legally must have workers’ compensation in force. We believe one of the best ways to do our job is to make sure that injured workers can safely return to their job. Make sure you & your employees are protected.

Employment Practices Liability Insurance
Our EPLI coverage is an inexpensive, comprehensive product to protect businesses from employment-related lawsuit exposure. Employment practice violations include wrongful termination, harassment, discrimination, retaliation, wrongful failure to employ and failure to grant tenure.

Business Interruption
While the unexpected event that hits your business may be over as quickly as strike of lightening, the necessary repairs can last weeks. Being closed for business during these repairs is costly, but Business Interruption Insurance will help your bottom line by covering,

lost income
ongoing extra expenses like contracted utilities, employee benefits and payroll
additional lost revenue during the time after re-opening to rebuild your popularity with customers

Cyber Liability Insurance
If your restaurant accepts credit card payments, you are at risk from cyber crimes via your credit card keypads or POS systems, because hackers have become more creative and invasive to business owners. Cyber Coverage will help pay for your expenses associated with responding to the crime, such as

notification of customers
public relations expenses to repair your reputation
credit monitoring services purchased to protect your customers after their personal information has been stolen