Restaurant Insurance

We reached out to a local restaurant regarding their insurance policy. They had been with their insurance agent for many years and were satisfied with their premium, coverage, and relationship, but let agent Michael Viboch review the policy anyway. 
The current policy was a commercial package policy with a reasonably priced premium, but with low limits, high deductibles, and very little built-in coverages which left the client exposed to certain perils common to the food service industry. Michael earned their business by moving them to one of our Business Owners Policies. It lowered their deductibles, increased property protection, added more built-in coverages, AND lowered their premium. 
We cut their glass deductible by about 90% and their property deductible by 50%. We also doubled their amount of property protection. They had about 8 built-in coverages. We added over 50 more including: hired and non-owned autos, replacement costs for property, pollutant cleanup and removal, computer and identity fraud, and fire dept service charge. We also increased limits on loss of business income by about 9 months, and gave them 10x's the amount of food contamination coverage. Even with all the additional coverage, their premium was 5% LOWER than their previous policy.

How do we do it?

We have great relationships with the many major insurance carriers we are appointed with. That allows us to write some of the most comprehensive policies at extremely competitive rates throughout the United States.