Owning your own business is hard enough as it is right? Between the schedule managing, staff coming down with the mysterious sickness of the quarter, and especially unhappy customers.
We sadly can’t resolve the issues listed above but we can resolve an issue you might not even have thought of yet.
Between Food Trucks, Pop Up Events, and brick and mortar restaurants, let us focus on protecting your livelihood, so you can focus on running your business.
Picture this, you have a customer who specifically lets you know of a food allergy that must be avoided. Your kitchen staff not paying attention accidentally contaminates their meal with said food allergy.
Not only does your customer suffer from the extreme allergic reaction but you are now wide open to a potential lawsuit.
See, things like this happen every day in our world. Although they might not happen every day in yours, our job is to make sure you are protected for the “what if”
In most states if you have employees then this isn’t even a question of, do I want this? This is a must to be able to employee staff. Workers Compensation (otherwise known as workers comp) is strictly designed to ensure payment by employers for some part of the cost of injuries to an employee. Some examples of this can be things like:
- Injury at Work
- Disease caused by the work environment
In most cases an incident would need to take place while the employee is at the place of employment, however, it would be best to discuss with your local independent insurance agent for more of a case by case basis.
What happens in the event you are unable to open your restaurant due to a claim? This in most cases would cause a major hardship for you as a business owner. You wouldn’t be able to serve your customers which in turn means no income coming in.
This is where Loss of Income Insurance is imperative. This coverage would allow you to have a “back up” plan in the event you were unable to generate an income due to a covered loss.
This would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage to these items so you would be able to repair or replace these items for today’s cost.
To make sure you have replacement cost coverage on property it is important to check with your independent insurance agent.
This would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property.
Here are a few examples of clients we work with and make sure their business is protected:
- Local Restaurants
- Food Trucks
- Catering Companies
- Food Delivery Restaurants
- Ice Cream Trucks
- Local Diners
- Food Trucks
- Pop-Up Restaurants
- Food Labs
The list can go on and on.
So how do you know if a restaurant liability policy is a good fit for your business?
We always would recommend you calling a local independent insurance agent like us and discussing your coverage options. Our agency can work with you in finding the perfect fit for your restaurant insurance needs.
As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk.
What commercial auto coverage do you need, and how much?
What are the risks to you, your drivers, and your business that commercial auto insurance can cover?
Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:
- Company cars
- Cargo Vans
- Pickup trucks
Why would Life Insurance help my business?
Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost-effective ways to protect the people who depend on you financially.
What would happen to your business if you were to die prematurely?
What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?
Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?
If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.
If all three, well, hopefully, you already have life insurance. Here are a few other reasons to have life insurance through:
- charitable donations
- pay federal death and estate taxes
- create an inheritance for your heirs
- pay final expenses
We make buying life insurance easy!
At Jackson & Jackson Insurance, we make the process of buying life insurance extremely simple.
We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible life insurance policy at the best price.
When purchasing life insurance there are a few things to consider.
Life insurance is based on two main variables — your age, and your health.
A person under the age of 50 with a Plant-Based Diet and no severe health issues are bound to secure lower premiums as a “Standard” or “Preferred” Risk-based on lower cholesterol alone.
How much life insurance do I need?
A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.
One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive need’s analysis, determine the exact amount of coverage you will need to protect the people who depend on you.
The amount of coverage you need depends on several different variables. Here are a few examples:
- how many children you have
- your future earnings potential
- whether or not you’re married
- spouse’s future earnings potential
- you and your spouse’s age
- amount of debt you have
How to get started
Either way, we’ll make the process easy!