Pennsylvania restaurateurs have many choices for their restaurant insurance. However, your insurance program is only as good as the agent who designed it for you. Yes, the insurance company backs up the policy, but it is the agent that tells the insurance company what coverage to put on the policy. If you’re dealing with an agent who does not specialize in restaurants you are likely to have some major gaps in your insurance coverage.
Coverage gaps normally are not apparent to the restaurant owner until after the claim has occurred and has been denied by the insurance company. Unfortunately it is then too late to get coverage!
Restaurant insurance does not have to cost a lot. Today there are many companies interested in writing restaurant insurance. In fact, Hornafius Insurance Agency will not only help you design the perfect restaurant insurance program for you, but we will also do the insurance shopping for you. We represent many insurance companies that are highly competitive with restaurant insurance and we will analyze what each company has to offer and present to you the best offerings.
When you work with one of the professionals at Hornafius Insurance Agency you are getting an agent who knows the restaurant industry and has the education to design a restaurant insurance program that is customized to your specific needs. Every insurance agent should provide you coverage for the basics, including
However, where most agents fall short is when it comes to the unique exposures that the restaurant business presents.