Your Restaurant is in great hands with Grady, Wright!

 

One of the things that sets us apart from our competitors is that, we care about YOU. Now, we know how cliche' that may sound, but we really do! Not only do we offer you great coverage at competitive prices, we also build relationships with our clients. We want to see you grow and grow with you, which is why we build custom insurance packages specific to the needs of your business, then we educate you on how those policies uniquely impact your company.

 

We also understand the hustle, bustle and constant on-the-go nature of your job. As a result, we offer the following for your convenience:

  • Pay-As-You-Go option for Workers' Compensation to avoid large payouts after audits

  • Policy servicing requests can be done online

  • Most of our carriers offer payment flexibility, so payments can typically be done: online, over the phone, mailed in or in person

  • Policy reviews to ensure that your coverage is in pace with the growth of your business

  • A knowledgeable staff that is dedicated to providing you with impeccable service each and every time you need them

Commercial General Liability

General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.

 

Your exposures are: Premises liability exposures are high due to public access to the premises. Servers move throughout the premises with trays of food and beverages, generating spills that can result in slips and falls.

 

How to avoid a claim: Vigilance in cleaning up spills is the only way to prevent falls. Temperatures of hot beverages must be limited to reduce injuries due to scalding. Steps and uneven floor surfaces should be prominently marked. There should be lighted emergency exits available in the case of emergency. Lists of ingredients should be posted to prevent allergic reactions. All employees must be instructed in proper customer handling, including how to deal with disgruntled or overly enthusiastic customers. Parking lots and sidewalks need to be in good repair, with snow and ice removed, and generally level and free of exposure to slips and falls. Outdoor security and lighting must be consistent with the area.

 

From Refconnect by Vertafore/ Silver Plume

Workers' Compensation

Workers Compensation provides defined benefits your to employees for injuries they sustain or diseases they contract that arise out of and in the course of their employment.

 

Your exposures are: Workers compensation exposures come from slips, falls, cuts, burns and heavy and awkward lifting, along with interactions with customers.

 

How to avoid a claim: Employees must be trained on the carrying of heavy dishes between the kitchen and the serving areas. As with all retail businesses, hold-ups are possible so employees should be trained to respond in a prescribed manner. The employees in many restaurants tend to be minimum wage and turnover may be high. Well-trained employees with an incentive to do their best and who have clear direction will have the fewest injuries. Company incentives to encourage long-term employment are positive signs of management control. 

 

From Refconnect by Vertafore/ Silver Plume

Commercial Property Insurance

Commercial Property Insurance covers your Building and Business Personal Property in the event that your property or the contents within your property are damaged or destroyed as a result of a covered loss.

 

Your exposures are: Property exposures are substantial from cooking, electrical wiring, and refrigeration units. The more grease laden vapor that is produced, the greater the exposure to fire. Spoilage exposure is very high. A small fire or a power outage of even moderate duration can cause all fresh and frozen goods to be condemned as unfit for consumption or sale. 

 

How to avoid a claim: All grills and deep fryers must have automatic fire extinguishing protection, hoods and filters. There should be fuel shut offs and adequate hand-held fire extinguishers. The kitchen must be kept clean and grease free to prevent the spread of fire. Ammonia used in refrigeration units can explode. Losses can be minimized if there is an alternative location to continue operations and not lose customers. Returning to normal operations after a loss is difficult due to the lag time between reopening and returning to full income as regular customers may have moved to a new "favorite" restaurant.

 

From Refconnect by Vertafore/ Silver Plume

Liquor Liability Insurance

Liquor Liability covers liability due to the selling, serving, or furnishing of alcoholic beverages. Your company is also liable for the injury or damage an intoxicated person or one "under the influence" causes if your business caused or contributed to the person's intoxication. This provides coverage for that liability also.

 

Your exposures are: Liquor liability exposure depends on the amount and type of alcohol served. If liquor is served, any failure to comply with state and federal regulations can result in the loss of a liquor permit.

 

How to avoid a claim: There must be a set procedure to check ages of anyone attempting to purchase alcohol, as well as monitoring so customers purchasing alcoholic beverages do not then give them to patrons who are underage or intoxicated. Employees who serve alcohol should complete training courses in recognizing intoxication problems and dealing with customers. A procedure should be in place to deny serving intoxicated patrons. Programs that encourage designated drivers or offer free taxi service can be useful. 

 

From Refconnect by Vertafore/ Silver Plume

Business Auto Insurance

Business Automobile Insurance provides liability and/or collision and comprehensive (other than collision) coverage to you and/or one of your employess while operating a vehicle for business use.

 

Your exposures are: Automobile exposure may be limited to hired or nonownership liability exposures from employees running errands. If the restaurant offers valet parking, garagekeepers coverage should be purchased to cover damage to customers' vehicles. 

 

How to avoid a claim: MVRs and driving records should be obtained for any employee driving or parking customers' vehicles. If valet parking services are contracted to another firm, the insured restaurant should be named as additional insured on the contractor's policy.

 

From Refconnect by Vertafore/ Silver Plume