Concessions Insurance

Woman buying cake from concession stand.
Make sure your concessions business is properly insured.

Events may be fun on their own, but the presence of concessions always makes them better–a concessions business is a great idea for making the most of hungry and thirsty crowds, but your concessions insurance needs to be secure before you start.

Most venues will require basic insurance (such as a General Liability policy) and proof from you before you can set up shop, but even if they don’t (and you should be curious if it’s not a requirement), you need to protect yourself from liabilities, and concessions insurance for your business is how you’ll do it.

If you’re already in the concessions business, you may wonder if your current coverage is sufficient–or available somewhere else for a more reasonable cost–and shopping your concessions insurance rate is definitely something you should do regularly, although there are certain things to consider about the price. A reasonable, experienced insurance agent will be able–and willing–to explain the particulars of your rate (or quote), but here are some things to think about when evaluating your budget for concessions insurance…

Are you stationary or mobile? If your business requires a vehicle, you need to ask about Commercial Auto.

Do you sell liquor? Laws and coverages vary depending on what types of beverages you serve..

Do you have employees? If anyone works for you, you need to understand the nuances of Workers Compensation insurance, even if it’s just to plan ahead.

Beyond the basics, options like Business Owner’s Policies and Umbrella Coverage can help you expand, by providing coverage to protect your investment as you grow.

If you’re in the market for getting concessions insurance, or curious about your current coverage, call 1-877-907-5267 to speak with one of our specialists, or click here to start the process of getting a quick, free–competitive–quote.

Providing refreshment, whether it’s at a farmers’ market, festival or game, is a great business opportunity. But the only concessions you should make are the kind you can eat or drink–don’t cut corners on your insurance, or it could cost you a chance at a lucrative company.

Insurance for a Pool Service Business

Swimming pool cleaner skimming pool with property owner standing beside them.
Make sure your pool service business is properly insured.

Helping your swimming pool service clients keep their pools in tip top shape may seem pretty straightforward, but insurance for a pool service business needs to cover all of your exposures–and there are a multitude of those–to fully protect you.

Keeping your clients’ pools safe and enjoyable requires more than just cleaning filters and pouring chemicals; if you’re conducting repairs, offering cosmetic repair services, servicing heating units or any other ancillary services, your pool service insurance plan needs to provide coverage for those risks.

It may be tempting to limit your coverage to cut costs in the present, but providing the security your pool service business needs to continue to operate–and grow in the future–should be the foundation of your business plan.

Recommended coverages for insurance for a pool service business can include (but are not limited to):

General Liability. This is a basic policy for almost any business; it protects your business against claims concerning injury or damage to a third party. It’s also call “Slip and Fall” insurance–clients may require this coverage, and it’s especially important to talk to an experienced agent since your “office” includes your client’s pool.

Workers Compensation. Whether you employ a team of skilled technicians, or simply have a family member that helps you on occasion, if you have workers, you need to understand your obligations to them. Find out your state requirements, and be sure to engage an agent that understands the intricacies of this facet of insurance for your pool service business.

Commercial Auto. The transportation that gets you from pool to pool is the lifeblood of your business, and your spa or pool service business’s insurance needs to address your vehicles. Don’t let a minor fender bender shut you down–make sure your Commercial Auto policy protects you adequately.

Inland Marine. Tools for servicing spas and pools aren’t cheap, and they’re necessary. Inland Marine is a coverage that protects you in case these tools are lost or stolen.

Even though the methods may be the same as other companies, your individual spa or pool servicing business is unique, and your clientele will be, too. Your insurance policy should be put together with that in mind, and ideally, your relationship with your insurance agent will allow for communication about future growth and gauging the expansion of your insurance accordingly, so that your business can thrive as new opportunities present themselves.

Call us today at 1-877-907-5267 to speak with one of our specialists about your business insurance needs, or click here to get a free, quick, competitive quote on insurance for your spa or pool servicing business.

Get Your Food Truck Rolling…But Don’t Leave the Insurance Behind!

Food truck owner taking orders from her customers.
Make sure your food truck business is properly insured.

A food truck can be a great business–less overhead than a restaurant, and the ability to go where the customers are–but you have to be sure your food truck insurance is in place in adequate amounts before you take off, if you want to stay in business.

It’s important to find an insurance agent who understands the particulars of food truck insurance, whether your operation is brand new, or just undergoing changes. Putting together a risk management plan that covers the basics as well as your individual needs is paramount to undergirding future success. Your budget, your goals, and your risks are all pertinent–be prepared for questions about your annual income and other specifics when you discuss food truck insurance with your agent.

Familiarizing yourself with some basic coverages can help you understand the process, and help you make choices that can protect your business…

General Liability. Also called “slip and fall” insurance, General Liability protects you in case of physical damages or injuries to third parties. Food-related injuries also fall under this coverage; if you’re sued because of food poisoning or an injury that resulted from your product, this is the policy that you would use for covering legal costs.

Commercial Auto. Not all commercial auto policies are created equal; you need a plan if your business revolves around a vehicle, and your food truck insurance needs to cover not just the actual truck, but modifications and equipment that help your business run–figuratively and literally.

Workers Compensation. If you have employees, you need to understand your state’s laws about Workers Compensation, and whether it needs to be a part of your food truck insurance policy.

Liability Umbrella. Expanding your business doesn’t just mean offering new menu items or gaining access to a new venue; it can also mean that you should consider upping your food truck insurance coverage limits with Liability Umbrella, a policy designed to cover damages when they exceed the limits of your other policies.

A food truck is a great opportunity, and the correct insurance can help make it possible for your business to enjoy a long, healthy life.

Call us today at 1-877-907-5267 to speak with one of our insurance specialists about your food truck insurance needs, or click here to start the process of a quick, free, competitive quote–great coverage is just a phone call or mouse click away.

Insurance for Your Landscaping or Lawn Care Business

landscapers working on lawn and garden
Make sure your landscaping business is properly insured.

Summer can be a great time for a landscaping or lawn care business, and that also means it’s an important season for reviewing the insurance coverage for your lawn care or landscaping business.

Whether you’re just starting a new venture, or your existing landscaping or lawn care business is kicking into high gear, understanding your risks and what the proper coverages are for protecting your assets is key in assisting your success. An important second step would be keeping your lawn care or landscaping insurance commensurate with your growth; new opportunities are exciting, and you may be tempted to think that if you have the time, tools, and manpower, you’re ready for expansion…but covering your risks before an event happens is what keeps your business functioning in case of a claim against you. Don’t let your insurance lapse or lag behind your operations.

Speaking with an experienced insurance professional who understands your business’s needs is crucial, and it’s also imperative that you answer any questions–truthfully–about what you do or don’t do in your lawn care or landscaping business, so that your insurance can truly protect you.

Having a working knowledge of some types of insurance policies that are commonly needed in landscaping or lawn care businesses might help you understand your insurance agent’s questions, and may also assist you in taking a proactive role in guiding your business’s future.

  • General Liability. This policy protects you in case of an event that could cause a third party injuries or damages. The most basic landscaping or lawn care insurance policy should contain General Liability.
  • Property Insurance. Your building (if you have one), your business equipment–these need to be protected, and included in your landscaping or lawn care insurance.
  • Inland Marine. An endorsement to your landscaping or lawn care insurance that covers the tools that make your business possible. This coverage can be crucial to keeping your business going in case they’re damaged or stolen.
  • Workers Compensation. You need to understand your obligations towards employees, even if your only worker is a friend who helps you part time. Familiarize yourself with your state’s requirements and make sure your landscaping or lawn care insurance is providing what you need in this area.

A landscaping or lawn care business can be an incredibly profitable and flexible venture…but if it isn’t properly insured, not only do you risk losing that versatile and potentially lucrative enterprise, you put your personal assets in jeopardy and run the risk of going into debt if you have a claim made against you. (Remember that claims don’t have to be valid to need defense and court costs aren’t usually cheap.)

Risk management is an art, and our business is helping you protect your business–right now, and as it grows. Call us today at 1-877-907-5267 to speak with one of our specialists about your lawn care or landscaping insurance, or click here to start the process of a quick, free, competitive quote.