CNA Insurance | Business & Commercial Insurance

CNA is a great company, and is also known for paying its claims very well. Any time weCNA-Insurance get a prospect looking for business insurance, we try to put them with CNA Insurance. They are a standard company, but they will write high risk things, such as liquor stores and restaurants that serve alcohol. Here is a full list of what they offer.

  • Business services
  • Construction
  •  Financial
  •  Health care
  •  Manufacturing
  •  Professional services
  •  Real estate
  •  Retail
  •  Technology
  •  Wholesale
  • and a lot more.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Golf & Country Club Insurance | Get A Free Business Insurance Quote

Golf & Country Club Insurance Program

Golf and Country Clubs provide multiple services. This can include golf courses, mini golf, tennis courts, swimming pool(s), health club, professional shop, training facilities, teaching academies, restaurant, a bar, and more. Some operations are public or they are privately owned. Members usually pay a per visit, monthly or an annual fee for membership. Golf & Country Clubs might also host and have space for special events. The events could include weddings, birthday parties, corporate meetings, and etc.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Inland marine coverage available for ground maintenance equipment, golf carts, trophies and collectibles
  • Coverage available for club house, restaurant, lounge & banquet facilities
  • Coverage provided for pro shops, tennis courts and swimming pools
  • Tee to green coverage provided for golf course
  • Large Excess Limits Available
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Our Business Owners Insurance Policy

Business Owners Insurance Policy

Our Agency offers the industries superior and leading product. Our policies go above and beyond the standard. Don’t “cut corners” on your insurance policy. Get a Superior insurance policy at our agency, all at great prices. Work one on one with a licensed experienced agent, that understands insurance. He/she will counsel you into a policy that best fits your business.

Please take a look below, at our business owner policy. Disclaimer:  Not all businesses and risks will qualify for this program. Business Owners Policies can vary company to company. Please talk to an agent for details.

Property

Policy deductible applies to all the coverages below. We offer deductibles at 250, 500, 1000, 2500, 5000, 10,000 and 25,000 thousand dollars.

  • Business Income & Extra Expense 12 Months Actual Loss Sustained
  • Business Income & Extra Expense Dependent Property $10,000 Limit
  • Business Income & Extra expense Newly acquired property $250,000
  • Employee Dishonesty & Forgery $25,000
  • Expediting Expenses $25,000
  • identity Theft/Recovery services $25,000
  • Terrorism Insurance

The Following Coverages Apply At Each Location

Coverage

  • Appurtenant Buildings & Structures $50,000
  • Arson & Theft Reward $5,000
  • Civil Authority 4 Weeks & 24 Hours
  • Claim Data Expense $5,000
  • Fire Department Service Charge $25,000
  • Fire Equipment Discharge $10,000
  • Newly acquired Or Constructed Business Personal Property $250,000
  • Newly acquired Or Constructed Building $1,000,000
  • Non Owned Detached Trailers $5,000
  • Outdoor Property $10,000
  • Personal Effects $25,000
  • Personal Property Of Others (included in (BPP) Business Personal Property Coverage Amount Desired)
  • Pollutant Clean Up And Removal $25,000 Maximum Annually
  • Preservation Of Property BPP Included Limit 90 Days
  • Signs Included
  • Spoilage Coverage Included In BPP (Business Personal Property)
  • Temporary Location Of Business Property $50,000 up to 30 days
  • Glass Coverage
  • Theft Damage To Rented Property Included in BPP

Coverage

  • Inflation Guard
  • Business Personal Property(BPP) Including Inventory
  • Seasonal Increase 25%
  • Building And Structure Coverage
  • Business Personal property Off Premises $250,000
  • Debris Removal 25% + $25,000
  • Money & Securities included in BPP
  • Money Orders & Counterfeit Paper Included in BPP
  • Outdoor Trees & Other Plants $3,000
  • Equipment Break Down $250,000
  • Ordinance Of Law & Demolition $25,000
  • Accounts receivable $25,000
  • Electronic Data Processing including In Transit $25,000
  • Sewer & Drain Backup $25,000
  • Fine Arts $25,000
  • Targeted Hacker Attack $25,000

Liability

General Liability

  • Each Occurrence Up To $2,000,000
  • Personal & Advertising Injury Up Tp $2,000,000
  • Products Completed Operations Up To $4,000,000
  • General Aggregate Up To $4,000,000
  • Damage To Premises Rented To You $300,000
  • Medical Payments $10,000
  • Employment Practices Fiduciary $10,000

Additional Blanket Insured Included (Excluding Contractors)

Optional Coverages

  • Commercial Auto Insurance
  • Excess Liability Insurance
  • Workman’s Compensation
  • Cyber Liability Insurance
  • Liquor Liability
  • and more!

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Restaurant Insurance | Get A Free Business Insurance Quote

Restaurant Insurance Program

We offer the leading industry insurance product for restaurants. This can be anywhere from the romantic steak house in a high-class neighborhood, to your hole in the wall pizza parlor on the corner. We know restaurants are unique to their customers and food, that’s why we design an insurance policy that is just as unique as the restaurant.

Get a free quote from us and work one on one with a licensed experienced agent, who understands insurance. Our agency will counsel you into the policy that is best for your business. We believe in “Good Old Fashioned Customer Service”.

Types Of Restaurants We Insure

We insure all restaurants. This includes bagel shops, bistros, buffets, coffee shops, drive ins, deli’s, food courts, fast food, sit down, take out, pizza parlors, ice cream, Italian, Mexican, Chinese, steak houses, sea food and more. We also can insure operations that serve liquor.

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Food Spoilage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • Liquor Liability
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

How Protect Your Business From Slip And Fall Lawsuits And Workman Comp Claims

Protecting a business from loss is one of the most important things that can be done. Not only that, but providing a safe environment for your customers, and employees is most important. Restaurants, retail & grocery stores, hotel, etc, the business could experience a lot of “foot traffic”. The business is designed around customers coming in, looking, feeling, touching, walking or whatever sense is used with the service. An indirect consequence, people tend to not pay attention to where they walk, or hazards can surface that are natural to daily operations. One of the big hazards are potential “slip and falls”. As a matter of fact “slip and fall” lawsuits have become very common.

Facts Pertaining To Slip & Fall Lawsuits In Retail Stores

  • Retail and super market stores spend annually almost a half billion dollars each year to defend slip and fall lawsuits.
  • Slip and falls annually are the number 1 most common injury in supermarkets for both customers and employees.
  • About 25,000 people a day are quote “victims” to slip and falls, and on average per hour slip and falls result in 3.5 million dollars in losses.
  • The average cost of a slip and fall exceeds $12,000 dollars.
  • The average cost to defend a slip and fall lawsuit exceeds $50,000.
  • Plaintiffs win 51% of all “slip and fall” lawsuits.

Facts Pertaining To Employee Slip And Falls

  • 65% of all employee lost work days due to injury are from slip and falls. This results in 95 million dollars of losses.
  • 22% percent of injuries that result in 31 or more lost work days, are due to slip and falls.
  • Compensation for employee slip and falls result in 70 billion dollars annually.
  • The food industries leading work injury is slip and fall.

Food Service Industry Facts

  • 57% of all general liability claims in the industry result from slip and falls.
  • Since 1980 personal injury lawsuits have increased 3 fold.
  • The average restaurant, hotel, etc have 3 to 9 slip and fall lawsuits per year.
  • Slip and falls are the number 1 accident in the industry.
  • 70% of slip and fall injuries are on a flat service.

How Do You Protect A Business From Slip and Fall Injuries?

  • Always keep a clear walking path for employees and customers. Make sure that aisle’s, hallways, or any areas that get foot traffic don’t have slipping or tripping hazards.
  • When there is a spill or wet are, clearly mark the are immediately, and clean it up if possible. Make sure the area is marked, right away. Timing can be very important.
  • Encourage customers if they see a spill to report it immediately.
  • Have a clear written procedure for what needs to be done, when a spill takes place.
  • If it’s snowing or raining, make sure to get out warning signs and put them in any areas that get foot traffic.
  • Make sure when it’s snowing to shovel all foot traffic areas outside, and lay down salt.
  • We also advise during the winter to put outdoor warning signs of any potential slipping hazards at entrances and exits.
  • Make sure foot traffic area’s are well lit.

What Businesses You Do After A Slip And Fall

Customer: Call 911 if the person has seriously been hurt. Do NOT let employees touch the customer or provide any medical attention. The business could be held liable from these actions if anything goes wrong. Instruct employees if they see anything to not admit or tell anything to the customer(s), or tell other employees. Instruct them not to talk about the incident with anyone except authorized personnel. Get a full written incident report. Save any video surveillance of the incident. File the claim with you insurance company. The insurance company will instruct what to do.

Employee: Call 911 if necessary. Employees need to report all incidents to management right away. File a claim with your workman’s comp insurance company. Have the employee fill out all necessary documentation including an incident report. Do a full investigation of how the employee got injured. Instruct the employee not to discuss the claim with anyone except authorized personnel and the insurance company.

 

All in all, slip and falls result in huge monetary claims each year. There is also a lot of fraud that occurs with these type of claims. All the costs of slip and fall lawsuits, are eventually passed on the consumer in one form or the other. It is best to try to keep these types losses down, by most of all using common sense.  If you have any questions, feel free to call or leave a comment. Remember we can write in 45 States in including home State, Colorado.

Sources: Light House Enterprises

Loss Of Business Income Insurance Coverage

In the event of a large loss, it is most likely a business will not be able to do daily operations. Sometimes a business is shut down due to a claim. This can be a couple of days, of even sometimes up to a year. Sometimes a loss can result from another loss. This is called an indirect loss. Such indirect loss could be losing business income from a big loss.  Since your business can no longer operate, it is only natural for this to happen.

What is business income loss insurance?

This coverage supplements your business income from an indirect loss, when a direct loss occurs and effects your revenue. This coverage is usually good for up to 12 months of lost income. Business income can be considered any type of revenue from daily operations. The insurance company has to indemnify all losses, but no profit can be gained from the insurance company. This unless it is apart of daily operations income.

Why is this so important to have on my insurance policy?

Incidents that result in business losses, can be unforeseen. If your operations are stopped due to an insurance loss, it is a must you  protect the businesses income. This simply can be done, by buying a business owners policy, that has loss of business income, included in it. Always make sure that this coverage is good for 1 full year.