How It Works
Insurance That Just Makes Sense
Bar & Restaurant Insurance Needs A Change
Our program is specifically designed to help insure bars and restaurants in this tough insurance market. For many reasons, trying to find affordable insurance for your business has become difficult. It’s time for a change, a time to rethink how we underwrite and insure the hospitality industry.
What Makes Our Insurance Different?
Community Underwriting
Our most unique and beneficial characteristic is that we give our members “say” in who joins the group. Nobody knows the restaurant and bar business better than fellow restaurant and bar owners. We utilize what we call “Community Underwriting” to help us identify good risks vs less favorable risks. The result is we gain valuable insight and control over the risk profile of our program.
Methodical Underwriting
We are very interested in who we are getting into business with. We are slowing the underwriting process down, to get a better understanding of our members operations. We don’t use broad “disqualification” such as over 40% alcohol sales because we know that businesses are very unique and along with that each has a unique risk profile. Insurance has become a “get it now” product which leads to a misclassification of risk and misunderstanding of businesses. Slowing the process down allows us to isolate true good risk from bad risk.