Tristate Business Insurance Blog

Commercial insurance is absolutely necessary when running a business. Businesses must be protected with business liability insurance, as well as workers compensation. Restaurants are no different in that they need protection for liability; however the types of insurance they need is much more comprehensive because their exposure is greater.

The business needs of restaurants are different and your insurance coverage needs to be tailored to your potential exposure. At TriState Business Insurance, we offer every type of restaurant insurance coverage as well as the liability needs that are unique to your restaurant.
 
Tristate specializes in providing the right protection for Restaurant owners. We understand that your insurance risks and needs are much different than any other industry. Contact us to see how you and your business can be better protected.

Does your existing business insurance give you enough coverage? Commercial Umbrella Insurance give your business more protection when your existing liability insurance policies don’t cover all the expenses.

In the event of an unexpected situation that exposes you to liability, umbrella liability or excess liability policies add give your business another layer of protection to your general liability policy or other insurance policies. You are protected when accidents happen. Accidents happen, but umbrella liability insurance helps ensure that your business is protected.

Contact TriState Business Insurance for more information on how Umbrella Liability Insurance can help your business.

When you own a restaurant, bar or nightclub, or any other business that deals in alcohol, you need liquor liability insurance. In the event of claims against your business, liquor liability insurance is insurance that protects your business against loss or damages.

Any business that deals with alcohol; whether that business manufactures, serves or sells it, liquor liability insurance is a must. Damages in suits that involve alcohol tend to be very high. This type of exposure to high liability can be very damaging to the financial security of your business. If your business serves or sells alcohol, be sure that you have the right amount of coverage.

Liquor liability coverage is available as a separate liability policy or as an add-on to your commercial liability insurance. Your standard liability coverage does not protect your business.

Virginia and Maryland are two of the few states that do not operate with Dram Shop Laws, while Washington, DC does, regardless of the laws in your state, Liquor Liability insurance is a must, contact TriState Business Insurance.

Just because you are a new or small business, this does not mean that you are exempt from large dollar lawsuits or loss. Small Business Insurance is designed to protect you, the entrepreneur, from loss as you figure out how to run your business.

While you are just starting up, you may feel that business insurance is too costly for your small business. Unfortunately, it could turn out that not having small business insurance is even more costly. In the case of a loss or a law suit, the expense can and most likely will result in fees far more expensive than an annual premium.
 
If your business faces an unexpected risk: fire, theft, injury of a worker or customer without the proper business insurance coverage, the expense of the claims could potentially put an uninsured small business or owner out of business. Having small business insurance is a must.

Contact Tristate Business Insurance, we will take care of you while you take care of your business.

Restaurants, bars and taverns are no different than other business in their need for insurance coverage. However, the types of business insurance that restaurants and bars need is more comprehensive. Restaurants require business liability insurance, workers compensation, and a host of other commercial insurance needs.
 
It is important that while you invest your time and money in your business, you have the confidence that you are covered by your insurance in every scenario that can occur.

Your bar or restaurant needs comprehensive insurance that is tailored to your potential exposure and can protect you against all circumstances. From delivery drivers to liquor liability to assault and battery to property coverage TriState Business Insurance, consults with you on a wide-range of restaurant and bar-related coverage as well as the liability needs that are unique to your restaurant, bar, or tavern.

Contact us to see  how you and your business can be better protected.