We Serve Insurance
Specialized and Serving Only The Food, Beverage, and Entertainment Industry
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Owning a brewery can present unique risks. Specialty brewery insurance combines elements of liquor liability insurance, property insurance and general business insurance to develop one, simpler policy.
Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.
Running your own distillery can be fun and exciting, but it’s not without its own unique risks. You’ll need general business insurance, but specialized distillery insurance coverages like liquor liability insurance and equipment insurance should not be overlooked.
Nightclub and Bar Insurance
Insuring a nightclub or bar is not the same as insuring any other business. These establishments require specialized coverage that takes into consideration the unique risks that nightclubs and bars face.
What Our Clients Say About We Serve Insurance
”James Dulhanty and We Serve Insurance have been the best possible back-end help for our brewery that we could have asked for. A full understanding of the brewing process, including risk areas, and what that means for cash-flow and potential (lost) revenues. Coverage for basically anything that isn’t negligence, with immediate help should there be an issue, which we've had 2(!) in 6 years, both of which paid out far faster than I would have expected. But the truly great thing about working with James is the fact that he listens, does not try to upsell you on anything you don't need, and is always down to chat about crazy festival ideas and how they can be of help to protect our business. 11/10, would recommend.Bret Kollmann Baker, Urban Artifact, Co-Founder
”James Dulhanty has been my blanket of security/insurance agent for over 5 years. I can say with no hesitation that in my over 30 years in the hospitality industry, James and the We Serve Insurance team has by far and away provided me with exemplary care and concern. I have had multiple challenges over these years and James has without fail come through for me. Calls and texts are answered or returned promptly. An example from last week: Our power was out. We were in danger of losing everything in our walk-in. I texted James after 11pm. He answered promptly, heard the circumstances, and assured me that we were covered. My sleep was peaceful. I could name many examples but suffice it to say that quick response is typical. Thank you James! And may I add, Deb Meyer who works with We Serve Insurance IS THE BOMB.Tom Main, Owner Tinker Street Restaurant
Resturant Insurance 101
Learn more about resturant insurance so you can make an informed decision on your coverage.
Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.
If you are in the business of selling or serving alcohol, it is critical that you protect yourself from potential financial losses by obtaining a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, and any civil or criminal damages stemming from an incident involving liquor.
Providing a valet service is convenient for your guests, but damaging a vehicle or property, or causing injury, is a very real risk associated with offering this service.
Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is also in effect with adequate limits to cover any physical damage to a guest's vehicle or other vehicles on-site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.
In the event of a covered cause of loss, most policies include coverage for the income you cannot collect. What happens if one of your key suppliers, such as your food or beverage distributor, is incapable of supplying you with what you need to keep your business running?
Make sure that your business income insurance includes contingent business income coverage to protect against the loss of potential earnings to your restaurant caused by the inability of a key vendor to provide a component necessary for the completion or execution of your services.
On average, it's estimated that three out of five businesses will be sued by their employees. Restaurants, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce. Claims can stem from just about anything, such as someone taking a "joke" the wrong way and being offended.
Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.
Exterior signs associated with your business are vulnerable to fire, vandalism, and weather. Most commercial property policies offer a sublimit of coverage for signs, but it might not be enough.
Evaluate your sign exposures and determine if your existing commercial property insurance policy provides sufficient coverage. If not, increase the policy limit as required.
Equipment such as freezers, stoves, dishwashers, and air conditioning units are vital when running a restaurant. If a power surge or mechanical failure results in equipment breakdown, your business can experience expensive repairs and lost income.
Make sure you maintain systems breakdown insurance, including business interruption and spoilage coverage so that you can get your business up and running again without suffering financial setbacks.
As exposed by Superstorm Sandy and other significant weather events in recent years, flooding can occur in almost any location and to any business. Are you protected?
Flood 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.
Just about all businesses rely on technology in some way; it's increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you're at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.
Most restaurant owners remember to insure their contents, such as tables and chairs, but do not factor in the cost of the improvements they have made when selecting a building or contents limit.
If you have done or are considering a renovation to your restaurant, factor the cost into the building limit if you own the building or contents limit if you lease.
A power outage, mechanical failure, or other covered event can cause food to spoil, which then must be discarded.
This coverage will cover the replacement cost of the spoiled food. Most policies include coverage, but you should confirm the limit is sufficient.
Two things a restaurant has easily accessible are food and money. Employees have been known to run scams to pocket money or steal food to take home or give away to friends and family members.
Make sure you have coverage for employee theft. This can help compensate you for some of your financial losses.
If your restaurant offers food delivery service, whether the drivers are using their own vehicles or those owned by the company, you can be named in a lawsuit as a result of injury or damage caused by them while making a delivery for you.
A business auto insurance policy should be maintained if the vehicles are owned by the company. If employees are using their own vehicles to make deliveries, then hired and non-owned auto liability coverage should be maintained. Both will defend you if you are named in a lawsuit as a result of an employee getting into an accident while making a delivery for you.
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
We have a great understanding of your industry, which allows us to ask the right questions, which allows us to recommend the right coverages. We have custom intake forms that make the insurance buying process more smooth than filling out PDFs and endless applications. Our goal is to make it easy for you to do business with us, get the coverage you need, and get back to running your own business.
Why Us? We SPECIALIZE in your industry.
Simply put, our sole focus is providing you with the best insurance and resources for your industry. Our team has extensive knowledge in insurance and the Food, Beverage, and Entertainment world. Lastly, we choose to partner and represent specific insurance carriers that niche in the Food, Beverage, and Entertainment business. Not every insurance carrier can offer the right coverage, so we ensure we have the ones that can. At We Serve Insurance, we know the value of being an expert.
About We Serve Insurance
Here at We Serve Insurance, we choose to be great at one thing, insuring businesses in the Food, Beverage, and Entertainment industry. Although insurance can be tedious and cumbersome, we view our job as the following:
- Make the buying and renewing process very smooth.
- Advise you on the right coverages, so you have what you need in the event of a claim.
We are involved in various associations and networking groups within the industry to ensure we are true experts. We speak your language and take the time to understand your specific business.