- Auto InsuranceBundling home and auto insurance is the practice of buying these two insurance policies from the same company. Many companies offer a discount when you buy multiple policies and the paperwork can sometimes be easier this way. People often ask, “Should I bundle my home and auto insurance?” There’s no one-size-fits-all answer, so let’s explore this more.
- Boat InsuranceAccidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
- Inland Marine InsuranceInland marine insurance for wineries protects against direct physical loss or damage to property or stock while it is being transported. Talk with your risk manager about different policies for wine that is stored on your property and wine that is stored offsite.
- Renters InsuranceFirst, you’ll need to find out what you already have. Most banks and credit cards offer protection against charges you didn’t authorize. They also may offer monitoring and protection services at no charge. Similarly, your home or renters insurance may provide some amount of insurance or protection services. However, more than likely it will be offered as an endorsement or rider as a separate option.
- Home InsuranceRental property insurance is a specialty home insurance policy for the property owner rather than the tenant. It’s similar to a home insurance policy but is designed to account for the differing risks that you face when you rent out a property rather than living in it yourself.
- Business InsuranceGetting adequate insurance for your brewery can feel like an overwhelming process, but a brewery insurance policy may take the stress out of the situation. The key is choosing a policy that helps cover your specific needs and the risks you face. This type of coverage combines elements of liquor liability, property, and business insurance into one simple policy.
- Commercial Property InsuranceBusiness property insurance will indemnify you for property damaged or destroyed due to a covered loss. You can add endorsements to customize coverage, such as contract cancellation, tank collapse, tank leakage, and mobile equipment coverage.
- Workers Compensation InsuranceWorkers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.
- Commercial Liability InsuranceA business owners insurance policy, or BOP, combines business property and business liability insurance into one convenient policy. Your business faces a variety of risks unique to your industry, but there are certain coverages that businesses need regardless of their size or business type. Having a BOP helps you safeguard your business by helping to protect what you’ve built.
- Professional Liability InsuranceAside from property liability coverage, there’s an important difference to note between general liability, such as a customer slipping on a spilled drink, and professional liability, such as a bout of food poisoning from bad food or inadequate preparation. General liability may cover patrons who are injured on your property, as well as property damage, and may also protect you from potential lawsuits. Professional liability, on the other hand, may protect your restaurant if someone gets sick from spoiled food products.
- Restaurant InsuranceAs a restaurant owner, you know the amount of work it takes to run your business on a day-to-day basis. You might also know the statistics about how tough it is to survive and thrive in the restaurant business. But did you know that getting a restaurant insurance policy may help give you a fighting chance by mitigating some of the risks involved in the food industry?
- Liability InsuranceA majority of wineries grow, produce, store, and sell their wine on the same plot of land, which opens them up to even more risks should something happen, such as a fire or vandalism. And on top of that, some winery owners live on the property as well, which requires personal liability insurance. Fortunately, there are many coverage options to protect your winery, which include...
- Identity Theft InsuranceIdentity theft protection is often the first line of defense against becoming a victim of fraud. Protection services typically offer three main services. First, they may monitor for potentially fraudulent activity such as accounts being opened in your name or credit inquiries you didn’t authorize. Some also monitor the dark web for your information. Services will often also monitor a child’s information. If suspicious activity occurs, you’ll be notified. Finally, these services typically offer assistance when recovering from identity theft.
- Wedding Event ProtectionIt’s no secret that weddings and similar events can be a battle between the joy you naturally feel and the stress of worrying about what might go wrong. Weddings are expensive, and if disaster strikes, you could lose out on money with things like non-refundable deposits. Wedding insurance is just one example of a special event or one-day insurance that helps set your mind at ease about such risks.
- Flood InsuranceFlood insurance is typically not included in a commercial property insurance policy, but can generally be added by endorsement as long as the property is not in a high risk flood zone. If coverage is excluded from the policy, you should look into the cost to add it. If your property is in a high risk flood zone, you will need to obtain a standalone policy. In either case, it’s important to have coverage.