Hospitality: Restaurant, Tavern, Food Service
Professional Risk Planners, Inc. offers specialized insurance programs that protect you from the unique risk exposures in your industry. Our professional staff understands your business and are here to help you with your insurance coverage decisions.
Insurance Coverages We Offer:
In addition to standard Business Owner's Policies and Business Insurance Packages, we offer the following coverage options:
- Liquor liability
- Food-borne illness
- Utility outage
- Commercial auto
- Business income loss
- Food spoilage
- Umbrella coverage
- Flood and Earthquake
- Employment practices liability insurance
Bars, Lounges and Nightclubs -
For establishments having higher liquor percentages and live entertainment, we offer numerous insurance programs that will properly insure your higher-risk operations. Insurance options include coverage for gaming and dancing in addition to light or full-service food operations.
We offer several special tavern insurance programs. In addition to standard beer and wine licenses, we can also accommodate hard alcohol service and some light entertainment.
Pizza Parlors -
Insuring pizza delivery in an economical way is a challenge insurers are often faced with. We meet the challenge with several programs that cater specifically to your pizza delivery operations.
Programs are offered for owned vehicle insurance, non-owned delivery driver insurance, or we can use a combination of the two.
We have the ability to insure small, independent locations or individually owned franchises, and have extensive background in writing the proper insurance for Franchisors and their exposures.
For hospitality businesses on the move, we have caterer insurance programs that provide you with greater flexibility for off-premise operations, including liquor service, in addition to commercial kitchen or commissary coverage.
We can also package your catering insurance with commercial auto insurance for greater discounts.
Hotels and Motels -
Whether your business is a small family-owned motel, or a large corporate-owned luxury suite hotel, we have a broad range of products needed for this category of hospitality insurance.
We offer policies based on the number of units or receipt-based policies.
Not only can we cover your associated restaurant operations, but we can also cover any commercial valet or van service, day spas or full-treatment resorts and other special tour operations related to vacation and business travel.
Cottage Inns / Bed and Breakfasts -
We have created several special insurance programs specifically addressed to the special "hands on" aspect of your business.
In addition to providing the related restaurant coverage, we will also take care of cabin rentals, bike and kayak rentals, and guest property.
Affiliated Businesses -
Vendors of restaurants and hospitality businesses are highly vested in the success of the industry they serve. Thus, we work hand-in-hand with vendors to insure their success.
Distributors, fire safety and security firms, hood and vent cleaners, and any other businesses that works with the hospitality industry are welcome clients. We understand your needs, and we understand your customers.