Commercial Lines

Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.

As breweries and wineries go green, agents need to translate sustainability initiatives into clear underwriting conversations and protection strategies.

A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.

As the restaurant market evolves, restaurant owners need clarity on what coverage they have and where they could be vulnerable.

Restaurateurs face difficulties hiring and retaining staff, an ever-evolving landscape of changing technologies, economic and social inflation, and the recent Department of Labor (DOL) overtime rules changes.

Rainbow’s new business owners policy rewards insureds for safe behavior and provides an industry-first pay-as-you-go payment plan option that automatically adjusts to the business’ ups and downs.

It’s imperative for independent agents to forge close partnerships with restaurant owners to help them overcome the hurdles of the innovations born out of necessity during the coronavirus pandemic.

As terrorism and sabotage risks evolve and an election year looms, insurance agents with clients in the soft occupancy space should be advising their clients on strategies for risk transfer and mitigation.

Three out of 4 restaurant operators say business conditions are already close to normal but, even as the sector bounces back, there are persistent challenges.