Many people will tell you that one of the most difficult industries to do business in is the restaurant industry. However, many people make an attempt to be successful by opening up their own restaurants. Regardless of how competitive and difficult it can be, it can be very rewarding as well. Of course, you’ll want to make sure you have the best restaurant possible, and this includes offering the best service and the best food. You’ll also want to have the right restaurant insurance to make sure your business is covered. There are many different types of insurance that are necessary for restaurants. Here are a few types of insurance you’ll need to have standard. The first standard option for most businesses is liability insurance. This covers any accidents that may occur at your restaurant, especially those accidents involving customers. You’ll also want to have property insurance, which covers the restaurant property as well as all the contents inside the building from incidents such as fires, theft or specific types of accidents. To expand this type of coverage to cover things that general property insurance doesn’t cover, such as floods and earthquakes, you can choose peril insurance coverage. Another type of coverage is liquor liability insurance. In some cases, this is an option, but depending on where the restaurant is located, state law may make this a requirement. This basically offers you liability coverage should somebody drink alcohol and cause an accident in which their alcohol consumption was the cause of the incident. You can also choose food spoilage insurance. This means that if the power should go out to your facility for an extended period of time, and your entire stock of perishable food is ruined because of lack of proper refrigeration, this...

Are you thinking of opening a new business in the hospitality field such as a restaurant or a tavern? Have you given any thought to what hospitality insurance is and what kind you should have? Perhaps you already own a business in this field and are wondering if you have enough insurance coverage. There is a place you can go to get all the answers and solutions you need. When running a hospitality business, having insurance to cover yourself, your business, your patrons and your employees is a must. RSI has been one of the premiere insurance brokers for almost 20 years. They currently insure businesses in 1400 locations throughout the N.J.- N.Y. Metropolitan area. Their brokers and principals have owned businesses in N.J., N.Y. and California; giving them the background, experience and expertise required to meet your specific needs. RSI can inform you on which types of insurance you should or shouldn’t have. Often times, they will guide you towards insurance options that are even cheaper than what you’re already paying. Also serving as an independent broker, they are deeply committed to the highest level of service to you. They will loyally and aggressively serve as an advocate on your behalf. Several metro N.Y. – N.J. Restaurant and Bar Owner’s Associations have endorsed RSI. Some of the businesses RSI provides insurance for include: Restaurants (which includes coverage for such things as property, business/personal/property contents, liquor liability,etc.) Coffee bars Lounges Pubs (which includes, property damage, general liability, workmen’s compensation, liquor bonds and much more) Nightclubs (including such things as assault and battery coverage, employee practices coverage, checkroom theft insurance, workmen’s compensation, liquor bonds and more) Delicatessens (for property damage, personal injury liability and employment practices liability) Pizzerias (for property damage, personal injury liability and...

Business insurance is something that every business should have. Regardless of whether you operate an auto repair shop, restaurant, nightclub or medical facility, having the right insurance policy is going to go a long way towards protecting your business should there be an accident, fire, break-in or any other unpleasant situation. However, many businesses shy away from having the proper type of insurance because there may be multiple policies a business will need to be properly insured. This could be an expense a business simply can’t afford. Fortunately, discount business insurance can make having comprehensive insurance coverage for your business affordable. When it comes to business insurance, various different coverage’s are going to be necessary. For example, one of the first types of insurance coverage your business will need is property insurance. This protects your facility from theft, damage from a fire or damage from inclement weather. This covers the structure as well as all the contents of the business itself. You’ll also need liability insurance to protect your business financially from accidents or incidents that may happen within the business. Whether a customer slips and falls or one of your employees are hurt on the job, liability insurance offers your business coverage for these situations. If your business uses vehicles, you’ll need to have business automotive insurance to cover any accidents that may occur. Different types of businesses, such as restaurants, bars and pubs, may need alcohol insurance, some may require food insurance as well. Professional liability insurance is also important for companies that sell products or services to the consuming public. By getting these various different policies with the same company, you can often get discounts on your business insurance to help lower the cost of your premiums. You can also compare...

In the restaurant business or the food service business or any business that serves or retails food products, there is always a certain amount of risk associated with dealing with perishable items. There are many different things that can happen that can put your business in a very difficult financial situation. One of those things has to do with the spoiling of perishable foods that you use for your restaurant, deli or grocery store. That’s why a popular type of insurance is food spoilage insurance. If you are in the food service industry yet you don’t have this type of insurance policy, here are a few things that you need to consider. For small instances where you get a shipment of tomatoes that are rotten, typically you can contact your provider and negotiate a trade for new unspoiled tomatoes. However, if your restaurant or grocery store were to experience a catastrophic power failure that lasted for an extended period of time, you may have large amounts of food that have spoiled. Simply throwing that food away and replacing it with new food can be extremely costly and it may not be an expense that your restaurant or grocery store is prepared to make. In these cases, with food spoilage insurance, you’ll have an insurance policy that can compensate you for your perishable items should they become spoiled and have to be replaced. If you own a deli, a convenience store, a grocery store or restaurant and you don’t have this type of insurance, you may need to contact your insurance provider and ask if they offer this type policy. If they don’t, you’re not prohibited from going outside of your current insurance company to look for an additional food spoilage policy to cover any...

It’s a common misconception that life insurance is just for people who are married or have children. However, single people can benefit as well, because their deaths have financial impact on other people. Life Insurance in Las Vegas, NV does not always make sense for a single person, but sometimes it is just the right solution–and your needs depend on your goals. Your Life Can Change in an Instant When considering buying life insurance as a single person, consider your ‘final expenses’. Who will pay for your mortgage, your debts, your funeral and your other expenses? Buying life insurance now can help you protect your insurability in the future. Coverage is cheaper for young, healthy people, and it eliminates the chance that a future medical condition could render you uninsurable. Single people don’t always stay that way; buy a policy today and you can add on to it if you ever get married. Insurance is a Smart Investment Depending on the kind of coverage you buy, a life insurance policy can help you save over time. By using a ‘cash value’ policy, you can redirect your retirement contributions toward it, and you can accumulate money tax-free in many cases. Considering the Cost With any insurance purchase, cost is one of the first considerations to be made. Factors determining the amount you’ll pay include the following: Your health (healthier people pay lower rates each month) Whether or not you smoke (smoking can add up to 40% to the cost of a policy) Your family’s medical history Your age Your gender (in most cases, men pay more than women) Risky hobbies or occupations may lead to a higher premium or an accidental death exclusion. The places you travel, your credit rating and your driving record can...

You can get insurance for just about anything from your house to even you cell phone. However here is one kind of insurance you cannot do without and that is Cheap Car Insurance Las Vegas NV. If you won a vehicle, you need car insurance to drive legally. Driving without proper coverage is not only a huge gamble for yourself, but for others. It can leave you open for lawsuits. This is how insurance protects you. You may ask if paying premiums is worth the cost. The answer is yes. Following these tips can help you get heap Car Insurance Las Vegas NV. One thing you can do to get Cheap Car Insurance Las Vegas NV is stay a safe driver Las Vegas is a big city so you have to use caution. Driving fast won’t get you to your destination faster. It will only get you a ticket. If you visit one of the man bars in the city, never drive drunk. One DUI can raise your rates as well as traffic infractions. If you have more than one vehicle, insure them with the same provider. Many Nevada providers offer muli-vehicle discounts. They also give discounts for carrying multiple policies with them. If you are thinking about life insurance or house insurance, try buying from the same provider. You will only be dealing with one provider which ensures your policies never lapse. Before you begin looking for car insurance, determine what coverage you need for your situation. Additional options will raise your premiums. If you car is financed through a dealer, you must buy the insurance the financial institution requires. The only requirement in most states is liability. In Nevada, personal injury protection is optional. Be careful not to pay double for medical...