Restaurant & Bars

The spate of major wildfires over the last several years has hit one insurance market particularly hard: wineries.

In the liquor liability market, independent agent William Schaner’s biggest challenge is providing clients “with a level of coverage that will protect them without making them insurance poor,” he says.

The chances of an armed robbery happening at your insured’s establishment may be slim. But it pays to be prepared.

Independent agent David DeLorenzo entered the restaurant insurance market because he wanted to focus on something that brought him “passion in life,” he says. “You’re there as not only an insurance person, but also someone who cares about the industry.”

In an industry where there is plenty of competition and many challenges, high-end restauranteurs no longer need the added worry of proper insurance coverage for their well-stocked wine cellar.

It’s no longer enough to sell someone an affordable liquor liability policy—today’s insured wants more. Add value by sharing these risk management techniques.

Recently, many admitted liquor liability carriers have increased their appetites for higher-risk liquor establishments—and the result is an incredibly soft marketplace.

Despite living in a state where there are no dram shop laws, independent agent Roger Cole always offers his clients liquor liability coverage “because there’s always that anomaly that can take place within the law,” he says. “It’s our job to convince them

To effectively compete in 2018, your restaurant clients need to focus on one area in particular: their employees.

Independent agent Andrew Bierschied moved into the insurance industry to “have a little more control over my own destiny, career-wise and financially,” he says.