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!

Choose the Best Auto Insurance Policy in California

Have you got a new car and now you are looking for an insurance policy which will cover all expenses in case of an untoward incident. You can find agents dealing in auto insurance who will cover all the risk in case of any damage to your vehicle.

The representative from the auto insurance company will explain to you about the available insurance plans. You can choose a package which suits you best in terms of the risk cover and the premium that needs to be paid.

Before choosing a particular policy you need to decide beforehand about the total amount of coverage that you require. After that you need to go with an insurance plan which fulfills your demand. Do you drive along roads which have got accident prone zones? Then you need to go for policies which will give you maximum coverage for caution sake.

Do your homework well before seeking services of an auto insurance agency. You can find insurance companies on the internet which will help you in calculating the premium amount that you need to pay as per the current value of your car. So, while looking for auto insurance California you will come across innumerable agencies operating in your city. So you need to get the best agents from the lot. Knowledge about the current rates will help you in finding the best insurance company.

Online research can be done in making comparisons about the current premium rates and the policy features offered by various insurance companies. Feedback of end customers who could be your friends, relatives or neighbors is also a good source of information.

You can speak to a few agents and get a quote from each one of them. Once you have the quotes in hand compare them in respect to the policy features, the premium rates and the amount of risk covered.

Reference checks help in knowing about the track record of agencies. There are instances where people complain about the problems they face when they go for claims. So, make sure you are dealing with an agency that has a good reputation in the market.

Agencies like Bozzuto  provide insurance cover in various segments. So, look for agencies who deal in both personal and business insurance.

Basics About Workers Compensation Insurance in California

Workers’ compensation insurance is essentially a form insurance that offers medical aid and financial assistance to the employees who get injured while on the job. It is essentially the employees’ right to sue his employer for the negligence whatsoever included in the policy. 

Companies need to have workers’compensation insurance policy for the welfare and protection of their employees from sudden accidents. Some of the states like: California makes its mandatory for the employers to have workers’ compensation insurance even if they have hired a single employee. So, all those employers who have hired an employee on contract basis and/or on permanent basis need to have this type of insurance plan. 

So, if you are the sole owner of your business and have hired or keep hiring employees on temporary basis, still you are still required to have workers’ compensation coverage. For this, you may seek right assistance from your chosen insurance carrier, insurance agent, or maybe your lawyer. Explain your business and the exact situation to your insurance company and they will be able to suggest you with the right plan. 

As per the law, it is necessary for all the employers in California to have workers’ compensation insurance in California from a licensed and authorized service provider like: - Bozzuto Insurance Agency.

As far as the premium rates are concerned, it is not planned by the state. It is the Workers’ Compensation Insurance Rating Bureau which regulates the rates that all the carriers need to adhere. So whatever rate they decide, they need to file with the California Department of Insurance.

And while you look for the best insurance carrier, you should enquire about a few things, such as: -

1. Premium rate
2. Cost
3. Experience of writing workers’ compensation insurance policy for similar domain of business
4. Benefits offered
5. Tie-ups with the hospitals and medical institutions
6. Ease of getting the claim amount, etc.

Hence, it is important to consult an experienced and licensed insurance carrier. They will be able to help you with the premiums after looking at your history of work-related injuries, payroll, etc.

Contact Us to help us write workers’ compensation insurance plan for your business.

Transportation Insurance For The Safety Of Your Freight

Are you into transportation business? Right from the small ferry business, to large scale companies that have a large fleet of trucks, ships and other vehicles to transport goods and materials from one to place another, one should get their business insured. This acts as a protection whenever your business is in some kind of a risk. Though it purely depends on what kind of coverage is included in your chosen insurance policy, but it certainly helps you protect your property and assets from unexpected losses, crisis or damages (if any).

So that means that typical transportation insurance provides the necessary coverage to protect your valuable cargos, freights and consignments from loss, damage and accidents. 

It is believed that while the goods are in transit, they are exposed to maximum risk. Anything can happen with your consignment and sometimes the damages can prove to be quite heavy on pocket. So, getting the required coverage is essential for the safety of your goods. Sometimes the coverage depends on what kind of business you do which means that even if your goods are kept in the warehouses, this type of coverage is applicable there as well. 

Some of specialized and reputed insurance companies like: - Bozzuto Insurance Agency provide personal as well as business insurance policies which are tailored to suit your typical requirements. The company is one of the oldest insurance providers to a score of individuals and business owners in California.

It offers a wide array of coverages, such as: -

Personal insurance coverage includes:

1. Homeowner/ House Insurance
2. Flood Insurance
3. Auto/ Car Insurance
4. Life Insurance
5. Personal Umbrella

Business insurance coverage includes:

1. General Liability
2. Umbrella/ Excess Liability Insurance
3. Pollution Coverage
4. Property and Equipment Insurance
5. Commercial Auto Insurance
6. Employment Practices Liability Insurance (EPLI)
7. Cyber Liability
8. Professional Liability Insurance
9. Directors and Officers Liability Insurance
10. Commercial Earthquake Insurance
11. Fidelity and Fiduciary Insurance
12. Business Continuation Insurance
13. WRAP / OCIP / CCIP or "WRAP-up" Coverage
14. Group Benefits including Group Health
15. Construction Surety
16. Commercial Surety
17. Risk Management

So becomes easier to pick the coverage that best meets your specific requirements. Contact Us to know what may serve your needs.

Business Insurance Coverage To Match Your Requirements

Planning to buy an insurance policy for your business? You should first assess the requirements of your business and accordingly take the rightful steps. The typical types of business insurance coverage include the following: -

1. Workers’ compensation insurance
   In case you are looking for California business insurance, you should know that according to the laws of California it is important for the employers to have worker’s compensation insurance. No matter whether they have several employees or maybe just a single employee, they need to buy this insurance. Premiums are paid by the businesses only so they need to discuss about the same with your agent, broker or any privately owned insurance company.
   
   
2. Construction insurance
   Construction insurance is a must for all builders and for all construction projects. It offers a protection to the building/s under construction or renovation from several risks, such as: - natural disasters, fire, jobsite injuries, theft, vehicle smashes, etc. Experienced service providers like: - Bozzuto Insurance Agency offers a variety of products and services, including- Performance bonds, Payment bonds and Maintenance bonds to meet the specific requirement/s of each business.
   
   
3. Contractor’s License Bonds
   This type of a bond helps the homeowners, employees who may not have received the agreed wages, problem caused due to the intentional violation of a construction contract.
   
   
4. Restaurant insurance
   As the name suggests, restaurant insurance is especially designed for the restaurant owners to face the most critical situations with ease.
   
   
5. Auto repair shop / garage liability insurance
   Garage liability insurance is essentially offered to the industry experts and includes affordable coverage- garage liability insurance and garage keepers insurance. Auto repair shop coverage may include: Garage Keepers Coverage on a direct primary basis, Equipment Breakdown Coverage, Workers Compensation Coverage, Portable Tools and Equipment Coverage, etc.
   
   
6. Transportation - Short and Long Haul – Insurance
   This type of insurance is made for the trucking professionals for the betterment of their trucking operations.

So if you are wondering about your exact business insurance needs, just Contact Us to know which coverage is best suited to your needs.