Tips for Choosing a Restaurant Insurance Service

Every restaurant needs to have a protection against risks which can hamper its operations. So, if you are having your restaurant in California then you need to look for agencies which deal in restaurant insurance in California. A policy will help in case of damage to the property, any injury to the staff at the premises, etc. So, there are many factors which can result in losses and you might have to pay out of your pockets. The food and beverage business is always vulnerable to complaints and public suits from the customers. So, an insurance cover will keep you safe in such situations.

There have been some developments happening in the insurance sector. The National Restaurant Association has recently launched an online health insurance exchange notification tool. This has been developed for the NRA by Genius Avenue. This is just to help restaurateurs notify their employees about how to obtain health coverage in the coming year.

So, when choosing a policy one has to keep a lot many things in mind. Just check the maximum cover that is being given by the insurance company. So look for a policy which gives cover for property, general liability, liquor if applicable, loss of business, spoilage or contamination and other external factors caused by natural reasons. 

There is specified limit on the maximum cover which will be provided. Various factors decide this which includes the building type, the existing laws of the state, etc. You can get insurance at better rates if you improve the safety and your current business practices. The concerned agent representing the company providing restaurant insurance in California will help you through this. The agent can give you tips for improvement once he or she does a survey of the restaurant. 

Maximum safety needs to be taken in order to decrease the overall liability. As they say prevention is better than cure. So before anyone trips on the uneven matt of your restaurant and gets injured and files a suit against you it will be good to replace the same to avoid such things. Some of the replacement policies have got higher premiums. But, it will help your business recover from a loss quickly as you can replace all of the lost or damaged property with the new ones.

Also look for a liability coverage which will compensate the affected person or the concern for covering the costs of care. Through property damage coverage the concerned agency will be paying for the value of the physical damage to the property.

Looking over some of the above mentioned things will definitely help you in taking the right decision when searching for restaurant insurance in California. Bozzuto provides business insurance services in California. Contact us if you are looking for an insurance policy for your business.

What is The Need for Buying Restaurant Insurance in California?

Though there is some percentage of risk in every business, but restaurant business involves greater amount of unpredicted risk. So as a restaurant owner, you should take necessary precautions to protect your business from all losses.

So if you are running an eatery, resto-bar, takeaway kiosk, barbecue center, coffer café, lounge, or any other type of food related business in California, you should buy restaurant insurance in California. This type policy not only provides you the right protection but it also saves your customers from any kind of risks. For example: - low quality of food served, etc.

Since your scale and type of business would differ from that of the others in the market, your protection against liability and types of coverages would drastically differ. You should look for some of the reputed and experienced insurance carriers in the market with enough experience of writing policies for your type of business.

The easiest way is to use the internet and search for some of the experienced insurance carriers in the market. Ask for quotes from some of the shortlisted carriers and enquire about the benefits offered by each one of them.

In that, you should find out about the price of the policy, rate of premium, coverages included and much more. Though each of these insurers would be able to give a generic idea, a lot also depends on your annual turnover, location of your business, number of employees you’ve hired, interiors of your space, flock of customers visiting your restaurant, market reputation of your business, quality of food served, customer service, etc.

Accordingly the portfolio of your coverages is prepared. Usually, it is inclusive of: - Liquor Liability, Crime/Employee Dishonesty, Workers' Compensation and Employers' Liability, General Liability, Umbrella/Excess Liability, etc.

To buy restaurant insurance in California, please Contact Us today!

Transportation Insurance in California For Your Ferry Business

Though there is some amount of risk in every business, running a ferry business is not like sipping a cup of tea. You need to be on your toes every time to ensure that the goods being transported are safe and secure. After all it is about building a positive market image.

Then there is the trouble of maintaining the vehicles and ensuring that your trucks, ships and other automobiles are fully functional and in best of their running condition. And hiring experienced and licensed drivers who know their job well, is something you need to ponder. Quite a lot to do…

So while your staff delivers the cargos, freight and consignment to the right destination, a lot of care is undertaken to ensure that the shipments does not get damaged, or cracked while in transit. No matter whether your fleet of vehicles include trucks, ships, or air bus, there is some proportion of risk of damage involved in every mode of transportation.

Hence, buying transportation insurance is very important. Experienced and renowned insurance providers like: - Bozzuto Insurance Agency offers business insurance and personal insurance in California. Policies are written while considering the critical requirements of your business. Right from restaurant, auto repair & body shop, construction, to transportation insurance in California, coverages are tailored to the specific requirements of your business and to suit your pocket.

Whether you want to buy personal insurance or business insurance in California, just Contact Us to get a tailor made insurance policy for yourself.

Benefits of An Auto Insurance Policy

Are you in a car rental business in California? Then you definitely need to have a proper auto insurance plan to cope with some of the potential risks. You should search for an insurance agencies for auto insurance quotes in California and choose the most feasible one. Taking a proper auto insurance policy has got a lot of benefits. 

So, once you take an auto insurance policy it gives protection against many risks. Generally the types of liability covered include bodily injury liability, property damage liability, medical payments coverage, uninsured or under insured motorist coverage, comprehensive coverage, and collision coverage.

You will be getting a representative from your insurance company. The particular person will be handling your account and will take care of the payments and responsibilities in case of a car accident. Your claims adjuster will do the necessary investigations with regards to the accident. They will determine the person who is at fault and the amount of compensation that needs to be given.

Imagine a situation where one of your customers who has hired your car goes and hits someone. So, just think of those medical bills and that compensation that you might have to pay. An auto insurance policy will protect you from all these. In order to select the best insurance company you should compare auto insurance quotes in California for choosing the best service provider.

Auto insurance gives peace of mind. This will keep you safe from any kind of financial and legal problems that are mostly found in an accident case.

When you go for medical payments coverage it will take care of all the medical expenses even if the insured person is injured in somebody else’s vehicle. The insurance company will also pay for the towing and maintenance of the damaged car. So, all the bills for the repair of the vehicle will be paid by your insurance company.

Auto insurance policies also allow premium discounts if you are having more than one policy with the same company. Some of the policies also give a facility or provision where you can also extend the coverage to people who are driving your vehicle with your consent.

You can easily find insurance companies providing auto insurance quotes in California. Insurance firms like Bozzuto provide business and personal insurance policies. You can contact us if you are looking for a comprehensive insurance policy.

Process of Worker’s Compensation Claim

Worker compensation is a mandatory thing for organizations having certain specified number of employees. This statute is passed for the benefit of employees working in industrial units and other type of enterprises. It protects them in case of injuries and they get the required compensation for it. So, you are liable to give compensation to your employees.

Search for insurance agencies that provide worker compensation insurance in California in order to cope with such situations. In case of an accident in your premises where some of your employees get injured you will have to adhere to the following process.

1.As and when the accident occurs it has to be seen if first-aid is enough. And in case the situation is beyond first-aid then you need to create a report of inquiry within 7 days of the incident. A copy each should go to the labor commission, your insurance company and one to the injured employee.

2.Then the injured worker will be firstly examined by the physician designated by you. After checkup done by the designated doctor the injured worker can choose a doctor of his/her choice for another test. The doctor will produce a report of the initial checkup of the injured employee to the Labor commission and a copy of that to the employee.

3.Your insurance company will then open a claim for benefits after receiving the reports from the employer or the doctor. The agency will be determining the total compensability of the injury or illness. It will be done within 21 days of having received the claim.

4.If the compensation is valid and if the doctor determines that the injured person will lose work time, the rate of weekly pay for the worker is calculated. You insurance agency dealing in worker compensation insurance in California will be paying all the medical bills. Hence the injured employee need not pay anything for the medical care received.

5.And in case your insurance agency denies the claim then a letter is sent to the employee and the labor commission. The injured worker can then apply for a hearing at the Labor commission. The commission will then review the case and give a final verdict.

The above process is usually followed under the ‘worker’s compensation statute’. We at Bozzuto specialize in personal, auto, small business insurance as well as worker compensation insurance in California. Contact us today for an insurance policy.    

Buying Transportation Insurance in California

Owing a transportation business and running it smooth has its own risks and problems. Whether you own a small ferry business or a large scale goods transportation company in California, you should shop for transportation insurance in California to protect your business from unpredicted risks. This kind of a plan is designed to safeguard your fleet of trucks, cargos, ships and other vehicles used to transport the goods from place to another. Just like other types of business insurance, this policy helps you prevent the damages that are likely to affect your assets. Here, assets not only relate to the fleet of vehicles and cargos but it also includes any medium of communication or transportation, like: - TV transmission towers, bridges, tunnels, etc.

Transportation insurance essentially covers merchandise and/or cargo which is exposed to damage while in transit. There are several insurance carriers who also write policies for the safety of goods stored in warehouse/s.

Experienced insurance carriers like: - Bozzuto Insurance Agency offers transportation insurance in California to specialized transportation businesses, including: agriculture, distributor industries, logging, movers and waste, etc.

Coverage depends on the type and scale of business you do and it is usually written for defined time duration. 

We also write a wide range of personal and business insurance, serving your specific requirements.

Business insurance:

1. Auto Repair & Body Shop Insurance

2. Commercial Property & Apartments

3. Construction Insurance

4. Restaurant Insurance

5. Surety/ Bonds

6. Transportation Insurance

7. Workers Compensation Insurance

Personal insurance:

1. Auto/ Car Insurance

2. Flood Insurance

3. Homeowners Insurance

4. Life Insurance 

5. Personal Umbrella

To help us write a comprehensive insurance policy for your needs, please Contact Us today!

Buying a House Insurance in California

Do you own a home in California? Want to protect your home from unwanted and unpredictable situations? You should buy a home insurance policy. These policies are specifically designed to offer you a specific claim amount to cover up the damages.

A lot of people believe that house insurance only provides protection of the home from any damage/s. But in reality, it involves much more than this. This may include everything in your home, like: - your personal gym, swimming pool, terrace garden, your study room/ library, etc.

But one thing you should keep in mind is that, this type of insurance does not include protection against natural calamities like: - earthquakes, floods, fire, or any other such havoc's.

You may also prefer to buy a personal insurance that offers the following coverages: -

1.Flood insurance

Whether your house is located in the vicinity of flash floods or overland floods area, flood insurance can really act as a safeguard. Flood insurance is a must for those whose property has higher risk of damage from floods.

2.Auto/ car insurance

Auto insurance protects your vehicle from damages caused in case of an accident.

3.Life insurance

Life insurance provides the financial aid to the insured once the policy gets matured. The amount may be paid to the nominee of the policy as declared by the deceased insured. This financial assistance can be highly beneficial for the family of the deceased.

4.Personal umbrella

This type of insurance provides more protection than your current auto and home insurance policy. It offers coverage when your lawsuit award is something which cannot be covered under your primary personal insurance coverages.

This is just a simple explanation of what entails in your personal insurance policy. To know more about this and/or to buy a house insurance in California or personal insurance, please Contact Us today!