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Restaurant Workers Compensation Insurance – Protect Your Mod |
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By Clinard Insurance on
1/26/2010 5:45 PM
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Most restaurant owners have at least a general knowledge of workers compensation insurance. They know that they need it and they know it can cost a lot of money. But only a few really understand the experience modification factor and what it could mean for their future restaurant insurance policy costs. This little primer will help you understand just how important it is to protect your mod and how to do it.
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When it comes to Restaurant Insurance, Watch Out for the Audit Trap |
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By Clinard Insurance on
1/20/2010 5:54 PM
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If you are restaurant owner then you probably have some working knowledge of the workers compensation insurance. At Clinard Insurance Group in Winston Salem, NC, we specialize in insuring restaurants and we have found time and again how many restaurant owners are seduced into the cash flow nightmare I call “the audit trap”.
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The Hidden Trap of Spoilage Coverage on Restaurant Insurance Policies |
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By Clinard Insurance on
1/6/2010 5:19 PM
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Spoilage coverage…I’m sure most of you don’t really give it a second thought. Most restaurant insurance policies “throw in” $5,000 or even $10,000 of coverage. Even the policies that don’t automatically include it have a relatively cheap endorsement to add it. But that coverage could disappear just when you need it if you didn’t take notice of the stealth clause that voids your protection. Has your agent explained this little known protection stealer to you?
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When it comes to restaurant insurance, you need a middleman |
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By Clinard Insurance on
12/31/2009 10:44 AM
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The old saying, cut out the middleman, might seem at first blush to apply to shopping for insurance as well… but a second look will prove that you not only need a middleman, you need an independent middleman . This is especially true when it comes to restaurant insurance. The middleman will not cost you money here, he will actually save you money, not only on your restaurant insurance purchase, but even more so if you experience a claim. Read on to find out exactly why.
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