Bar and Restaurant Insurance

Property insurance

Getting the proper coverage is important to every homeowner. We work with you to fully understand the coverage you need. We will make sure you understand all the risks involved in owning a home.
A homeowners insurance policy typically covers:

  • Damage to your property
  • Injuries and property damage you or members of your household cause to others.
  • Injuries or accidents to people who are on your property.

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Spoilage coverage

We not only help you find the best price, we will also work with you so you understand the extent of your coverage. Auto insurance usually provides a combination of  property, liability, and medical options:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages.

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Employment practices liability

Life insurance may help your loved ones pay off your debts (like some private college loans, for instance) if you pass away. Planning early not only helps protect your loved ones from burdensome expenses, but it also gets you started on a financial plan for the future.

A lot of life insurance plans are considered financial investments. We can help shift your life insurance policy from being a cost to an asset through proper planning.

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Equipment breakdown

Life insurance may help your loved ones pay off your debts (like some private college loans, for instance) if you pass away. Planning early not only helps protect your loved ones from burdensome expenses, but it also gets you started on a financial plan for the future.

A lot of life insurance plans are considered financial investments. We can help shift your life insurance policy from being a cost to an asset through proper planning.

Learn more…

Workers compensation insurance

Life insurance may help your loved ones pay off your debts (like some private college loans, for instance) if you pass away. Planning early not only helps protect your loved ones from burdensome expenses, but it also gets you started on a financial plan for the future.

A lot of life insurance plans are considered financial investments. We can help shift your life insurance policy from being a cost to an asset through proper planning.

Learn more…

Business continuation insurance

Life insurance may help your loved ones pay off your debts (like some private college loans, for instance) if you pass away. Planning early not only helps protect your loved ones from burdensome expenses, but it also gets you started on a financial plan for the future.

A lot of life insurance plans are considered financial investments. We can help shift your life insurance policy from being a cost to an asset through proper planning.

Learn more…

Liquor Liability – A Bang For BUck Necessity

What Is Liquor Liability Insurance?

“Dram Shop” laws (a law that makes a business liable if they serve a patron who is clearly intoxicated) exist in forty-three states (including Colorado) and make it even easier for you to be sued after one of your overserved patrons causes harm to someone else. You could have trouble if patrons get into a physical altercation on your property or at your event after drinking on site; you could be sued by one or both parties if injuries have occurred.

Any business that sells or serves alcoholic beverages, including restaurants, nightclubs, and bars, can be held liable for damages or injuries caused by intoxicated patrons. This can include damages that result from fights, careless behavior or even automobile accidents. While it may seem logical to place the blame fully on the individual who perpetrated these acts, the establishments that allowed them to become intoxicated are also held largely liable and can be sued for exorbitant sums of money, particularly if resultant injuries are severe or fatal.

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