Q. Do all insurance companies provide coverage specifically designed for restaurants?
A. No. The market for comprehensive packages with coverage specifically designed for restaurants is limited. As an agency specializing in insuring restaurants, we select insurance companies that have developed products geared to the restaurant industry.
Q. What makes Epicurean Insurance solutions different from other agencies?
A. We understand your industry. Lisa Haines, President of Epicurean Insurance Solutions, has 20 years experience specializing in insuring restaurants. We are always searching for the best companies and products to provide superior service to the restaurant industry. We pride ourselves on our customer service. Using a unique, hands-on, educative approach we work with you to structure a program that manages costs and provides the necessary coverages you need.
Q. Are there proactive steps I can take to lower costs/improve coverage?
A. There are steps you can take to control costs. They include: implementing a loss control program in collaboration with your agent and the insurance companies, reviewing loss runs/claim reports, working with your managers to emphasize workplace safety and housekeeping, food handling procedures and the like to prevent customer claims.
Q. Can I obtain coverage through Epicurean if I do business in other states?
Q. Are there other factors that affect my insurance costs?
A. When building or renovating a restaurant consider the type of construction. This is one of the major rating factors. Also, installation of sprinkler systems, central alarms and other safety features will help reduce costs.
Q. What is Employment Practices Liability?
A. Insurance coverage to protect you against claims from employees and prospective employees for discrimination, sexual harrassment, wrongful termination or Americans with Disabilities Act violations. Employment-related claims have increased 2000% since 1982.