Who We Cover
Contractors + Handymen
Contractors + Handymen
- General Contractor
- Carpenter
- Electrician
- Drywaller
- Plastering
- Painter
- Wallpaper Installer
- Roofing
- Heating & Air Conditioning (HVAC)
- Flooring
- Concrete Construction
- Many more
At our company, we understand that contractors and handymen have unique insurance needs. That’s why we offer comprehensive insurance policies that provide coverage for:
- Liability protection, which covers costs associated with property damage and bodily injury caused by your work
- Equipment and tool coverage, which covers damage or loss of your equipment and tools
- Business interruption coverage, which provides financial assistance if your business is temporarily shut down due to a covered loss
- Workers’ compensation, which covers medical expenses, lost wages, and death benefits for employees who are injured on the job
- Coverage that is tailored to the specific needs of your business, whether you are a small contractor or a large handyman company.
- Competitive pricing options, to help you manage the cost of your coverage
- A wide range of coverage options, including liability protection, equipment and tool coverage, business interruption coverage, and workers’ compensation.
- Claims specialists who will work with you to ensure that your claims are handled quickly and efficiently
- Safety resources, including training and safety programs, to help you create a safer working environment for your employees.
In summary, if you’re a contractor or handyman, the right insurance coverage can be the difference between success and failure. Our company offers comprehensive insurance policies that provide the protection you need to keep your business running smoothly. Contact us today to learn more about how we can help protect your business and your employees in the construction industry
Here are a few things you may not know about contractors and handymen insurance:
- Did you know that in the U.S alone, the construction industry is responsible for $1.3 trillion in economic activity? This makes it one of the largest and most important industries in the country.
- One of the most important aspects of contractors and handymen insurance is liability protection. But did you know that even if you have liability insurance, you can still be sued? That’s why it’s important to work with a reputable insurance company that has experience handling construction-related claims.
- Many contractors and handymen are unaware that their regular business insurance policy may not cover their tools and equipment. This is where equipment and tool coverage comes in – it covers the cost of replacing or repairing your tools if they are lost, stolen, or damaged.
- Workers’ compensation is another important aspect of contractors and handymen insurance. It is a state-mandated insurance that covers medical expenses, lost wages, and death benefits for employees who are injured on the job. In fact, in some states like Florida, it is mandatory for all employers
Landscapers & Pestcontrol
Landscapers & Pestcontrol
- Gardeners
- Landscapers
- Lawn & Yard Maintenance
- Pest Control/Pesticide Application
- Sprinkler Installation
- Trimming or Pruning Trees (Ground Level)
- Many More
We understand that your line of work comes with unique risks, and that’s why we offer comprehensive insurance policies to protect your business.
Here are a few key benefits of our landscapers and pest control insurance coverage:
- Our policies include protection for damage to equipment and tools, as well as liability coverage in case of accidents on the job.
- We also offer coverage for employee injuries, so you can have peace of mind knowing your team is protected.
- Our policies are customizable to fit the specific needs of your business, whether you’re a small, one-man operation or a larger company.
But we don’t just provide insurance coverage – we also want to educate our clients on the industry and its unique risks. For example, did you know that termites cause billions of dollars in damage to properties every year in the United States alone? With our comprehensive coverage, you can have peace of mind knowing that your business is protected against the financial burden of termite damage.
Another interesting fact is that landscapers are at a higher risk of on the job injuries than most other industries. Our policies include coverage for on the job injuries, so you can have peace of mind knowing your team is protected.
At our company, we pride ourselves on providing comprehensive and customizable insurance coverage for landscapers and pest control professionals. Contact us today to learn more and to get a quote tailored to your specific needs.
Janitorial + Cleaning Services
Janitorial + Cleaning Services
- Car, Boat, Vehicle Washing or Detailing
- Housekeepers
- Office Cleaning
- Carpet and Window Cleaning
- Pressure Washing
- Valet Trash Pickup
- COVID Cleaning
- Many More
We understand that running a cleaning business can come with its own set of unique risks, from slips and falls to damage to equipment and property. That’s why we offer comprehensive insurance coverage to protect your business from these risks.
Here are a few key benefits of our janitorial and cleaning services insurance coverage:
- Our policies include protection for damage to equipment and tools, as well as liability coverage in case of accidents on the job.
- We also offer coverage for employee injuries, so you can have peace of mind knowing your team is protected.
- Our policies are customizable to fit the specific needs of your business, whether you’re a small, one-man operation or a larger company.
We also want to educate our clients on the industry and its unique risks. Did you know that cleaning chemicals can cause serious health problems if not handled properly? Our policies include coverage for chemical spills or accidental exposure to chemicals, protecting your business and employees from the financial burden of accidents and injuries.
Another interesting fact is that many property owners require cleaning companies to carry liability insurance to protect against property damage. Our policies provide liability coverage for any accidental property damage that might occur during the course of your cleaning services.
At our company, we pride ourselves on providing comprehensive and customizable insurance coverage for janitorial and cleaning services professionals. Contact us today to learn more and to get a quote tailored to your specific needs.
Parking Lot Maintenance + Street Sweepers
Parking Lot Maintenance + Street Sweepers
- Road and Parking Lot Sweeping
- Concrete Foundation
- Power Sweeping
- Line Striping
- Seal Coating / Crack Repair
- Pavement Resurfacing
- Porter Service
- Catch Basin Service
- Plumbing
- Many More
At Insprovider, we understand that the business of maintaining and resurfacing parking lots and streets is a demanding one. With heavy machinery and constant wear and tear on your equipment, it’s important to have the right insurance coverage to protect yourself and your business.
Here are a few key benefits of our parking lot resurfacing and street sweepers insurance coverage:
- Comprehensive coverage: Our policy includes protection for property damage, bodily injury, and third-party liability, so you can have peace of mind knowing that your business is fully protected.
- Tailored to your needs: We understand that every business is unique, so we work with you to create a coverage plan that fits the specific needs of your company.
- Protection for your equipment: Our coverage includes protection for your heavy machinery and equipment, so you can have peace of mind knowing that you’re covered in case of damage or loss.
- Experience in the industry: We have a team of experts with years of experience in the parking lot resurfacing and street sweepers industry, so you can trust that we know how to protect your business.
- Affordable rates: We work hard to keep our rates competitive so you can have the coverage you need without breaking the bank.
- Additional Coverage: We also offer coverage for termite damage, which can be a major concern for parking lot resurfacing and street sweepers.
Protect your business and your livelihood with the right insurance coverage. Contact us today to learn more about our parking lot resurfacing and street sweepers insurance coverage and get a free quote.
Wholesale + Distributors
Wholesale + Distributors
- Manufacturing
- Storage
- Warehouse
- Packing
- Distribution
- Last Mile Logistics
- Inventory Management
- Many More
As a wholesaler or distributor, your business plays a vital role in the supply chain, connecting manufacturers and suppliers to retailers and customers. With so many moving parts and a wide range of products and services, it’s important to have the right insurance coverage to protect your business from potential risks and liabilities.
One key coverage to consider is commercial general liability insurance, which can provide protection in the event of property damage or bodily injury caused by your business operations. Additionally, you may want to consider product liability insurance, which can protect you against claims related to defects or malfunctions in the products you distribute.
Another important coverage for wholesalers and distributors is property insurance, which can protect your warehouse, inventory, and equipment from damage or loss due to natural disasters, fires, and other perils. Inland marine insurance can also be useful for businesses that transport goods and equipment, as it provides protection for cargo and equipment while in transit.
Another coverage to consider is commercial auto insurance, which can provide protection for the vehicles used by your business, whether they are used for delivery or transportation of goods.
As a wholesaler or distributor, you may also want to consider umbrella or excess liability insurance, which can provide additional liability coverage beyond the limits of your primary policies. This can be especially important for businesses that operate in high-risk industries or have a high volume of sales.
Overall, it’s important to work with an insurance professional to assess the specific risks and exposures facing your business, and to develop a customized insurance program that meets your specific needs. With the right coverage in place, you can have peace of mind knowing that your business is protected, so you can focus on growing and expanding your operations.
Retail Store + Boutiques
Retail Store + Boutiques
- Auto Parts Stores
- Department Stores
- Flower Shops
- Clothing Boutiques
- Furniture Stores
- Building Material Supply
- Wine / Beer / Spirits Stores
- Many More
Retail stores and boutiques are an essential part of the economy, and as a business owner, it’s essential to protect your store and its inventory. That’s where commercial insurance comes in. A comprehensive retail store and boutique insurance policy can provide coverage for a variety of risks, including:
- Property damage: This includes coverage for damage to your store or boutique’s building, as well as any equipment, inventory, and other property.
- Liability: Retail stores and boutiques can be held liable for injuries that occur on their property. This coverage can help pay for legal fees and damages if you are sued.
- Business interruption: If a natural disaster or other event forces your store or boutique to close temporarily, this coverage can help cover lost income and expenses incurred during the closure.
- Cyber liability: With more and more business being conducted online, it’s important to protect your retail store or boutique from cyber threats such as hacking and data breaches.
Some additional coverage options for retail stores and boutiques include:
- Product liability: If a product you sell causes injury or damage, this coverage can help pay for legal fees and damages.
- Crime coverage: This can provide protection against losses from employee dishonesty, robbery, and other types of criminal activity.
- Employee benefits liability: If you offer employee benefits such as health insurance or retirement plans, this coverage can help protect your retail store or boutique if you are sued for errors or omissions related to those benefits.
It’s also important to note that some states, like Florida, have specific laws and regulations regarding retail store and boutique insurance. It’s always best to consult with an insurance professional to make sure you have the right coverage for your business.
Event Vendor + Entertainers
Event Vendor + Entertainers
- Carnival / Festival
- Trade Shows
- Special Events
- Auto / Car Shows
- Birthday Parties
- Business Parties
- Art Shows
- Many More
When it comes to planning and executing a successful event, there are countless things to consider, from guest lists and catering to entertainment and decorations. But one important piece that is often overlooked is insurance coverage. As an event vendor, entertainer, or special event planner, you need to protect yourself, your business, and your clients from potential liability.
Event vendor insurance, also known as special events insurance, can provide coverage for a variety of risks, including property damage, bodily injury, and even lost revenue. This type of insurance can also protect you from liability related to alcohol service, which is often a requirement for venues hosting events.
As an entertainer, you may also want to consider adding professional liability insurance to your policy. This type of coverage can protect you in the event that a client or audience member accuses you of negligence or mistakes while performing.
When it comes to special events, the risks can be even greater. For example, a large outdoor event may require coverage for inclement weather, while a charity fundraiser may require coverage for theft.
One of the key benefits of event vendor insurance is that it can be tailored to your specific needs, whether you’re a one-person operation or a larger company with multiple employees and venues.
Here are some things to consider when selecting an event vendor insurance policy:
- The type of event you’re planning (e.g. wedding, concert, trade show)
- The number of guests expected to attend
- The location of the event (indoor or outdoor)
- The types of services you’ll be providing
- The value of any equipment or property that will be on site
- Whether alcohol will be served
Having the right insurance coverage in place can give you peace of mind, knowing that you’re protected in the event of a claim or lawsuit. And that’s a key component to ensure a successful event.
Garages + Dealers
Garages + Dealers
- Car Dealerships
- Detailing Operations
- Motorsports Dealerships
- Towing Services
- Vehicle Painting
- Oil Change and Lube Shops
- Auto Body Shops
- Interior Restoration / Upholstery
- Services Stations
- Tire Services
- Many More
When it comes to running a successful garage or dealership, having the right insurance coverage is crucial. Not only does it protect your business from potential liabilities, but it also gives you peace of mind knowing that you’re covered in case of an unexpected event.
Here are some key benefits of having garage and dealers insurance:
- Protection for your inventory of vehicles, parts, and equipment
- Coverage for damage to customer’s vehicles while they’re in your possession
- Liability coverage for third-party injuries or property damage
- Business interruption coverage to help keep your business running in case of a disaster
- Employee coverage for on the job injuries
One interesting fact is that dealers open lot coverage is a must-have coverage for dealerships and garages, it covers your inventory of vehicles while they are on your lot.
It’s also important to note that not all insurance policies are created equal. Be sure to work with an experienced insurance agent who can tailor a policy to meet the specific needs of your business. Whether you’re a small, independent garage or a large dealership with multiple locations, the right insurance coverage can make all the difference.
Another interesting fact is that garage keepers coverage is also available for dealerships that provide storage for customer vehicles, this coverage can provide protection for any damage caused to the stored vehicles while in your possession.
In addition to traditional liability coverage for accidents or injuries that occur on your property, Garage Keepers coverage is a key component of your insurance portfolio. It provides protection for customer vehicles that are in your care, custody, or control. This means that if a customer’s vehicle is damaged or stolen while it is in your possession, your policy will help cover the cost of repairs or replacement.
Not only is Garage Keepers coverage important for protecting your customers’ assets, but it’s also crucial for protecting your business. Without it, you could be held liable for the full cost of damages, which could be financially devastating.
Here are some key benefits of having Garage Keepers coverage as part of your garage liability insurance:
- Protection for customer vehicles: Garage Keepers coverage provides protection for customer vehicles that are in your care, custody, or control.
- Protection for your business: Without Garage Keepers coverage, you could be held liable for the full cost of damages, which could be financially devastating.
- Peace of mind: Knowing that your business is protected against potential damages to customer vehicles can give you peace of mind.
- Compliance: Some states require garages and dealers to have Garage Keepers coverage.
It’s also important to note that Garage Keepers coverage is not automatically included in general liability policies, it should be added as an endorsement to the policy.
Don’t let an accident or mishap ruin your reputation and financial stability. Be sure to talk to your insurance provider about adding Garage Keepers coverage to your garage liability insurance policy.
Restaurants + Bar / Taverns
Restaurants + Bar / Taverns
- Full Service Restaurants
- Pizza Shops
- Bars / Taverns
- Special Events
- Fine Dining
- Fast Food Restaurants
- Coffee Shops / Cafes
- Many More
When it comes to running a restaurant, bar, or other establishment that serves alcohol, there are a lot of potential liabilities to consider. Not only do you need to worry about the safety of your customers and staff, but you also need to protect yourself from legal and financial repercussions if something goes wrong. That’s where restaurant, bar, and liquor liability insurance comes in.
Here are a few key things to keep in mind when it comes to this type of coverage:
- It can help cover the cost of legal fees, settlements, and judgments if you’re sued for things like over-serving customers or serving minors.
- It can also help cover the cost of damages if someone is injured or killed as a result of your establishment’s actions or negligence.
- Some policies may also include coverage for things like loss of income if your business has to close temporarily due to a covered incident.
- It is important to check the specific coverage and exclusions of your policy as each policy and company may vary.
But there are a few things that you can do to help mitigate your risk and lower your insurance costs, such as:
- Training your staff on responsible alcohol service and making sure they check IDs carefully.
- Having strict policies in place for dealing with over-intoxicated customers.
- Investing in security cameras and other safety measures to help deter crime and protect your customers and staff.
- Regularly reviewing your insurance coverage to make sure it’s still meeting your needs.
- Garage Keepers coverage is also available to protect vehicles in your care, custody, or control, such as customer’s cars or company owned vehicles.
Overall, restaurant, bar, and liquor liability insurance can provide peace of mind and financial protection in case of an incident. It’s essential for any establishment that serves alcohol to have this type of coverage in place to protect their business and assets. Make sure to review your policy with your insurance agent and understand your coverage and exclusions before an incident occurs.
Who We Cover
Contractors + Handymen
Contractors + Handymen
- General Contractor
- Carpenter
- Electrician
- Drywaller
- Plastering
- Painter
- Wallpaper Installer
- Roofing
- Heating & Air Conditioning (HVAC)
- Flooring
- Concrete Construction
- Many more
At our company, we understand that contractors and handymen have unique insurance needs. That’s why we offer comprehensive insurance policies that provide coverage for:
- Liability protection, which covers costs associated with property damage and bodily injury caused by your work
- Equipment and tool coverage, which covers damage or loss of your equipment and tools
- Business interruption coverage, which provides financial assistance if your business is temporarily shut down due to a covered loss
- Workers’ compensation, which covers medical expenses, lost wages, and death benefits for employees who are injured on the job
- Coverage that is tailored to the specific needs of your business, whether you are a small contractor or a large handyman company.
- Competitive pricing options, to help you manage the cost of your coverage
- A wide range of coverage options, including liability protection, equipment and tool coverage, business interruption coverage, and workers’ compensation.
- Claims specialists who will work with you to ensure that your claims are handled quickly and efficiently
- Safety resources, including training and safety programs, to help you create a safer working environment for your employees.
In summary, if you’re a contractor or handyman, the right insurance coverage can be the difference between success and failure. Our company offers comprehensive insurance policies that provide the protection you need to keep your business running smoothly. Contact us today to learn more about how we can help protect your business and your employees in the construction industry
Here are a few things you may not know about contractors and handymen insurance:
- Did you know that in the U.S alone, the construction industry is responsible for $1.3 trillion in economic activity? This makes it one of the largest and most important industries in the country.
- One of the most important aspects of contractors and handymen insurance is liability protection. But did you know that even if you have liability insurance, you can still be sued? That’s why it’s important to work with a reputable insurance company that has experience handling construction-related claims.
- Many contractors and handymen are unaware that their regular business insurance policy may not cover their tools and equipment. This is where equipment and tool coverage comes in – it covers the cost of replacing or repairing your tools if they are lost, stolen, or damaged.
- Workers’ compensation is another important aspect of contractors and handymen insurance. It is a state-mandated insurance that covers medical expenses, lost wages, and death benefits for employees who are injured on the job. In fact, in some states like Florida, it is mandatory for all employers
Landscapers & Pestcontrol
Landscapers & Pestcontrol
- Gardeners
- Landscapers
- Lawn & Yard Maintenance
- Pest Control/Pesticide Application
- Sprinkler Installation
- Trimming or Pruning Trees (Ground Level)
- Many More
We understand that your line of work comes with unique risks, and that’s why we offer comprehensive insurance policies to protect your business.
Here are a few key benefits of our landscapers and pest control insurance coverage:
- Our policies include protection for damage to equipment and tools, as well as liability coverage in case of accidents on the job.
- We also offer coverage for employee injuries, so you can have peace of mind knowing your team is protected.
- Our policies are customizable to fit the specific needs of your business, whether you’re a small, one-man operation or a larger company.
But we don’t just provide insurance coverage – we also want to educate our clients on the industry and its unique risks. For example, did you know that termites cause billions of dollars in damage to properties every year in the United States alone? With our comprehensive coverage, you can have peace of mind knowing that your business is protected against the financial burden of termite damage.
Another interesting fact is that landscapers are at a higher risk of on the job injuries than most other industries. Our policies include coverage for on the job injuries, so you can have peace of mind knowing your team is protected.
At our company, we pride ourselves on providing comprehensive and customizable insurance coverage for landscapers and pest control professionals. Contact us today to learn more and to get a quote tailored to your specific needs.
Janitorial + Cleaning Services
Janitorial + Cleaning Services
- Car, Boat, Vehicle Washing or Detailing
- Housekeepers
- Office Cleaning
- Carpet and Window Cleaning
- Pressure Washing
- Valet Trash Pickup
- COVID Cleaning
- Many More
We understand that running a cleaning business can come with its own set of unique risks, from slips and falls to damage to equipment and property. That’s why we offer comprehensive insurance coverage to protect your business from these risks.
Here are a few key benefits of our janitorial and cleaning services insurance coverage:
- Our policies include protection for damage to equipment and tools, as well as liability coverage in case of accidents on the job.
- We also offer coverage for employee injuries, so you can have peace of mind knowing your team is protected.
- Our policies are customizable to fit the specific needs of your business, whether you’re a small, one-man operation or a larger company.
We also want to educate our clients on the industry and its unique risks. Did you know that cleaning chemicals can cause serious health problems if not handled properly? Our policies include coverage for chemical spills or accidental exposure to chemicals, protecting your business and employees from the financial burden of accidents and injuries.
Another interesting fact is that many property owners require cleaning companies to carry liability insurance to protect against property damage. Our policies provide liability coverage for any accidental property damage that might occur during the course of your cleaning services.
At our company, we pride ourselves on providing comprehensive and customizable insurance coverage for janitorial and cleaning services professionals. Contact us today to learn more and to get a quote tailored to your specific needs.
Parking Lot Maintenance + Street Sweepers
Parking Lot Maintenance + Street Sweepers
- Road and Parking Lot Sweeping
- Concrete Foundation
- Power Sweeping
- Line Striping
- Seal Coating / Crack Repair
- Pavement Resurfacing
- Porter Service
- Catch Basin Service
- Plumbing
- Many More
At Insprovider, we understand that the business of maintaining and resurfacing parking lots and streets is a demanding one. With heavy machinery and constant wear and tear on your equipment, it’s important to have the right insurance coverage to protect yourself and your business.
Here are a few key benefits of our parking lot resurfacing and street sweepers insurance coverage:
- Comprehensive coverage: Our policy includes protection for property damage, bodily injury, and third-party liability, so you can have peace of mind knowing that your business is fully protected.
- Tailored to your needs: We understand that every business is unique, so we work with you to create a coverage plan that fits the specific needs of your company.
- Protection for your equipment: Our coverage includes protection for your heavy machinery and equipment, so you can have peace of mind knowing that you’re covered in case of damage or loss.
- Experience in the industry: We have a team of experts with years of experience in the parking lot resurfacing and street sweepers industry, so you can trust that we know how to protect your business.
- Affordable rates: We work hard to keep our rates competitive so you can have the coverage you need without breaking the bank.
- Additional Coverage: We also offer coverage for termite damage, which can be a major concern for parking lot resurfacing and street sweepers.
Protect your business and your livelihood with the right insurance coverage. Contact us today to learn more about our parking lot resurfacing and street sweepers insurance coverage and get a free quote.
Wholesale + Distributors
Wholesale + Distributors
- Manufacturing
- Storage
- Warehouse
- Packing
- Distribution
- Last Mile Logistics
- Inventory Management
- Many More
As a wholesaler or distributor, your business plays a vital role in the supply chain, connecting manufacturers and suppliers to retailers and customers. With so many moving parts and a wide range of products and services, it’s important to have the right insurance coverage to protect your business from potential risks and liabilities.
One key coverage to consider is commercial general liability insurance, which can provide protection in the event of property damage or bodily injury caused by your business operations. Additionally, you may want to consider product liability insurance, which can protect you against claims related to defects or malfunctions in the products you distribute.
Another important coverage for wholesalers and distributors is property insurance, which can protect your warehouse, inventory, and equipment from damage or loss due to natural disasters, fires, and other perils. Inland marine insurance can also be useful for businesses that transport goods and equipment, as it provides protection for cargo and equipment while in transit.
Another coverage to consider is commercial auto insurance, which can provide protection for the vehicles used by your business, whether they are used for delivery or transportation of goods.
As a wholesaler or distributor, you may also want to consider umbrella or excess liability insurance, which can provide additional liability coverage beyond the limits of your primary policies. This can be especially important for businesses that operate in high-risk industries or have a high volume of sales.
Overall, it’s important to work with an insurance professional to assess the specific risks and exposures facing your business, and to develop a customized insurance program that meets your specific needs. With the right coverage in place, you can have peace of mind knowing that your business is protected, so you can focus on growing and expanding your operations.
Retail Store + Boutiques
Retail Store + Boutiques
- Auto Parts Stores
- Department Stores
- Flower Shops
- Clothing Boutiques
- Furniture Stores
- Building Material Supply
- Wine / Beer / Spirits Stores
- Many More
Retail stores and boutiques are an essential part of the economy, and as a business owner, it’s essential to protect your store and its inventory. That’s where commercial insurance comes in. A comprehensive retail store and boutique insurance policy can provide coverage for a variety of risks, including:
- Property damage: This includes coverage for damage to your store or boutique’s building, as well as any equipment, inventory, and other property.
- Liability: Retail stores and boutiques can be held liable for injuries that occur on their property. This coverage can help pay for legal fees and damages if you are sued.
- Business interruption: If a natural disaster or other event forces your store or boutique to close temporarily, this coverage can help cover lost income and expenses incurred during the closure.
- Cyber liability: With more and more business being conducted online, it’s important to protect your retail store or boutique from cyber threats such as hacking and data breaches.
Some additional coverage options for retail stores and boutiques include:
- Product liability: If a product you sell causes injury or damage, this coverage can help pay for legal fees and damages.
- Crime coverage: This can provide protection against losses from employee dishonesty, robbery, and other types of criminal activity.
- Employee benefits liability: If you offer employee benefits such as health insurance or retirement plans, this coverage can help protect your retail store or boutique if you are sued for errors or omissions related to those benefits.
It’s also important to note that some states, like Florida, have specific laws and regulations regarding retail store and boutique insurance. It’s always best to consult with an insurance professional to make sure you have the right coverage for your business.
Event Vendor + Entertainers
Event Vendor + Entertainers
- Carnival / Festival
- Trade Shows
- Special Events
- Auto / Car Shows
- Birthday Parties
- Business Parties
- Art Shows
- Many More
When it comes to planning and executing a successful event, there are countless things to consider, from guest lists and catering to entertainment and decorations. But one important piece that is often overlooked is insurance coverage. As an event vendor, entertainer, or special event planner, you need to protect yourself, your business, and your clients from potential liability.
Event vendor insurance, also known as special events insurance, can provide coverage for a variety of risks, including property damage, bodily injury, and even lost revenue. This type of insurance can also protect you from liability related to alcohol service, which is often a requirement for venues hosting events.
As an entertainer, you may also want to consider adding professional liability insurance to your policy. This type of coverage can protect you in the event that a client or audience member accuses you of negligence or mistakes while performing.
When it comes to special events, the risks can be even greater. For example, a large outdoor event may require coverage for inclement weather, while a charity fundraiser may require coverage for theft.
One of the key benefits of event vendor insurance is that it can be tailored to your specific needs, whether you’re a one-person operation or a larger company with multiple employees and venues.
Here are some things to consider when selecting an event vendor insurance policy:
- The type of event you’re planning (e.g. wedding, concert, trade show)
- The number of guests expected to attend
- The location of the event (indoor or outdoor)
- The types of services you’ll be providing
- The value of any equipment or property that will be on site
- Whether alcohol will be served
Having the right insurance coverage in place can give you peace of mind, knowing that you’re protected in the event of a claim or lawsuit. And that’s a key component to ensure a successful event.
Garages + Dealers
Garages + Dealers
- Car Dealerships
- Detailing Operations
- Motorsports Dealerships
- Towing Services
- Vehicle Painting
- Oil Change and Lube Shops
- Auto Body Shops
- Interior Restoration / Upholstery
- Services Stations
- Tire Services
- Many More
When it comes to running a successful garage or dealership, having the right insurance coverage is crucial. Not only does it protect your business from potential liabilities, but it also gives you peace of mind knowing that you’re covered in case of an unexpected event.
Here are some key benefits of having garage and dealers insurance:
- Protection for your inventory of vehicles, parts, and equipment
- Coverage for damage to customer’s vehicles while they’re in your possession
- Liability coverage for third-party injuries or property damage
- Business interruption coverage to help keep your business running in case of a disaster
- Employee coverage for on the job injuries
One interesting fact is that dealers open lot coverage is a must-have coverage for dealerships and garages, it covers your inventory of vehicles while they are on your lot.
It’s also important to note that not all insurance policies are created equal. Be sure to work with an experienced insurance agent who can tailor a policy to meet the specific needs of your business. Whether you’re a small, independent garage or a large dealership with multiple locations, the right insurance coverage can make all the difference.
Another interesting fact is that garage keepers coverage is also available for dealerships that provide storage for customer vehicles, this coverage can provide protection for any damage caused to the stored vehicles while in your possession.
In addition to traditional liability coverage for accidents or injuries that occur on your property, Garage Keepers coverage is a key component of your insurance portfolio. It provides protection for customer vehicles that are in your care, custody, or control. This means that if a customer’s vehicle is damaged or stolen while it is in your possession, your policy will help cover the cost of repairs or replacement.
Not only is Garage Keepers coverage important for protecting your customers’ assets, but it’s also crucial for protecting your business. Without it, you could be held liable for the full cost of damages, which could be financially devastating.
Here are some key benefits of having Garage Keepers coverage as part of your garage liability insurance:
- Protection for customer vehicles: Garage Keepers coverage provides protection for customer vehicles that are in your care, custody, or control.
- Protection for your business: Without Garage Keepers coverage, you could be held liable for the full cost of damages, which could be financially devastating.
- Peace of mind: Knowing that your business is protected against potential damages to customer vehicles can give you peace of mind.
- Compliance: Some states require garages and dealers to have Garage Keepers coverage.
It’s also important to note that Garage Keepers coverage is not automatically included in general liability policies, it should be added as an endorsement to the policy.
Don’t let an accident or mishap ruin your reputation and financial stability. Be sure to talk to your insurance provider about adding Garage Keepers coverage to your garage liability insurance policy.
Restaurants + Bar / Taverns
Restaurants + Bar / Taverns
- Full Service Restaurants
- Pizza Shops
- Bars / Taverns
- Special Events
- Fine Dining
- Fast Food Restaurants
- Coffee Shops / Cafes
- Many More
When it comes to running a restaurant, bar, or other establishment that serves alcohol, there are a lot of potential liabilities to consider. Not only do you need to worry about the safety of your customers and staff, but you also need to protect yourself from legal and financial repercussions if something goes wrong. That’s where restaurant, bar, and liquor liability insurance comes in.
Here are a few key things to keep in mind when it comes to this type of coverage:
- It can help cover the cost of legal fees, settlements, and judgments if you’re sued for things like over-serving customers or serving minors.
- It can also help cover the cost of damages if someone is injured or killed as a result of your establishment’s actions or negligence.
- Some policies may also include coverage for things like loss of income if your business has to close temporarily due to a covered incident.
- It is important to check the specific coverage and exclusions of your policy as each policy and company may vary.
But there are a few things that you can do to help mitigate your risk and lower your insurance costs, such as:
- Training your staff on responsible alcohol service and making sure they check IDs carefully.
- Having strict policies in place for dealing with over-intoxicated customers.
- Investing in security cameras and other safety measures to help deter crime and protect your customers and staff.
- Regularly reviewing your insurance coverage to make sure it’s still meeting your needs.
- Garage Keepers coverage is also available to protect vehicles in your care, custody, or control, such as customer’s cars or company owned vehicles.
Overall, restaurant, bar, and liquor liability insurance can provide peace of mind and financial protection in case of an incident. It’s essential for any establishment that serves alcohol to have this type of coverage in place to protect their business and assets. Make sure to review your policy with your insurance agent and understand your coverage and exclusions before an incident occurs.
