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Umbrella Insurance Ensures your Business is Covered

Joseph Coupal - Wednesday, February 22, 2012

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.

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Liquor Liability Insurance for Any Business That Deals With Alcohol

Joseph Coupal - Thursday, February 16, 2012

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.

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What is Liquor Liability Insurance? Do You Have it? And Do you Have Enough?

Joseph Coupal - Thursday, September 08, 2011

If your business deals with alcohol; manufactures, serves or sells it, you need liquor liability insurance. Liquor liability insurance is business insurance that protects your business against loss or damages as a result of claims against your business.

Most often of course, these claims are a result of an intoxicated customer of your business injuring themselves or others. Damages in these suits can be very high, and often business lack the right amount of coverage, exposing themselves to high liability. You may need this additional coverage if your business manufactures, sells, or serves alcohol.

You can buy liquor liability coverage as a separate liability policy or as an add-on to your commercial liability insurance. Keep in mind, that if you do not buy liquor liability, your standard liability coverage does not protect your business.

Rates for this insurance are based on the type of business, the location, and the business record.

While Virginia and Maryland are two of the few states that do not operate with Dram Shop Laws, your business, if it serves alcohol should have liquor liability.  DC does have Dram Shop Liability, and if your business serves alcohol, Liquor Liability insurance is a must.

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