Hello, I’m Ron Philleo with Philleo Agency Insurance. Welcome to Philleo.com. Today we are going to talk little about insurance for taverns, bars, night clubs and restaurants that serve alcohol. When you serve alcohol, you have some additional exposures to liability and some unique situations that you need specialized coverage for. In this video we’ll discuss a little bit of those. The first and most important coverage for any tavern, bar or restaurant serving alcohol, or night club, is that you carry the right liability coverage. The first thing is general liability. General liability is going to be considered more or less your premise liability that is going to protect you in case of somebody gets injured on the premises. Very important, you want to carry a lot of coverage. Having a facility that serves alcohol, the exposures can be much higher than ones that don
Snow Plow Insurance
Insurance for snow plow businesses is very important. If you own and operate a snow plow, you want to make sure you have the correct insurance. I am going to go over a couple basic ideas for snow plow businesses.
Hired and Non-Owned Insurance
I want to talk to you today about a coverage that is very important. It’s called hired and non-owned auto coverage. It typically gets attached to either a commercial business policy or commercial auto policy. What’s this coverage do? Well, this coverage is very important. It protects you in case somebody is using their own …Read More
Understanding Business Liability Coverages
There’s lots of different types of business liability coverages. Today I’m going to go into some of the most common coverages, and check our website for future videos because we’ll go into more detail with some of these coverages I’m going to mention in future videos.
The most common one is general liability coverage. General liability is just that. It’s very general. It covers if people get injured because of your business activities or if you damage property due to your business activities. It’s a real important coverage. You want to make sure that’s on your policy.
What is Workman’s Compensation Insurance?
Workman’s compensation insurance. You’ve heard me mention it before. I’m sure you’ve heard lots of people mention it before. I’m going to explain briefly what work comp insurance is, give you a brief overview of it and we’re all going to do additional videos on how you generate the premium for work comp, or how the premium is calculated.
But, to start off, with work comp insurance covers your employees in case they’re injured on the job. So, while they’re working on behalf of you, the employer, if your employees are injured while at your office, at a job location, or perhaps they’re traveling. The point is, if they’re injured while they’re working for you, the employer, they’re covered.
