Owning your own restaurant, pub, bar, saloon, taproom, can be a very fun and lucrative career to embark upon, but you will soon discover that it can be a ton of work too! Establishing a presence, creating a local rapport—and with the usually large initial investment it takes to start-up, things really start to become clear that protecting all of this hard work is key! Luckily, there are ways to protect that using Pub and Restaurant Insurance!
No matter what kind of pub or restaurant you establish yourself as—a high-class dining or a dive bar, all it takes is one accident to leave you with bills that would cripple any business, even a thriving pub or restaurant! Examples of this would be if you did not have Pub Insurance with Building Coverage and there was a large grease fire in the kitchen that takes out part of the building! The aftermath would be very expensive, but if you did get that type coverage with your insurance plan it won’t be a problem!
If your pub or restaurant had the refrigerators and freezers go out causing all your food 
to spoil, it will be a huge hit to your business in many ways—the time it takes to clean them out and to disinfect, restocking it all with fresh food, and the loss of revenue from not having food at that time can really add up! But if you added Food Spoilage coverage to your policy this situation would be a lot less stressful for you and your business!
There are many different types of coverage that you can add to your Pub and Restaurant Insurance, just be sure to talk to your insurance agent about your business’ circumstances so you can have the right coverage that fits your pub or restaurant!
If you are a business owner, you may be contemplating whether you need to purchase a 
The recent slew of severe weather has most of us thinking about one thing: our homes. We’re contemplating what we would do if something were to happen to our homes. We’re wondering what our 
Insurance is sold by two types of agents: captive and independent. Captive agents are tied to a sole company. For example, a State Farm agent can only sell State Farm products. 
Nobody goes to work thinking, “I’m going to get hurt today. I’m going to fall off a ladder, slip on a recently mopped floor, or injure my hand while transporting files from the car to the office.” Nobody thinks that, but workplace accidents happen all the time. An employee’s hand gets cut on a piece of glass, and it needs stitches. Another employee trips over a box at the loading dock and breaks his or her foot.
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