Restaurant Insurance Louisiana

Restaurant Insurance Louisiana – Announcing New Programs with Excellent Rates in Louisiana! 

Restaurant Insurance LouisianaAre you the owner or soon-to-be owner of a restaurant in Louisiana? Are you searching for affordable coverage for Restaurant Insurance in Louisiana?

No matter if you are a brand new business enterprise or a veteran of the culinary industry, the agents of Jeff Davis Insurance can help you find the insurance protection you need at unbeatable prices.

Give us a call today at 337-824-4455 before 4:30 PM CST and we’d be happy to speak with you.

Have you found us after normal business hours or on the weekend? No problem at all. To request a Restaurant Insurance quote electronically, simply click one of the locations listed below to launch our free online quote request form: 

Restaurant Insurance Louisiana – Story Recap

In a previous article we were introduced to Pete Ross. When Pete was given an ultimatum by his extremely wealthy parents to figure out what he wants to do with his life, he convinced them to float him a loan in order to open a restaurant.

They agreed, but they also made it clear that after this loan it will be sink or swim for Pete.

Pete found a location, acquired an insurance policy, stocked his freezer with food, and all the other preparations that come along with opening a new restaurant.

He then took off on a vacation for a few days before the opening day of his business.

Upon returning he discovered that a storm had knocked out power to his building, resulting in an almost complete loss of his stores of ingredients.

In spite of this setback, Squeaky Pete’s Pork Emporium’s opening day is a big success. It’s only after that first weekend that Pete remembered that his restaurant insurance policy just might cover food spoilage.

Now that we’re all caught up, let’s see what happens next.

Restaurant Insurance Louisiana – Coverage Scenario Part 2

Pete calls up his agent, Tracy.

“Hey there, Tracy. I have a quick question about my restaurant insurance.”

“Okay, Pete,” Tracy answers. “What do you need to know?”

“Well, my restaurant lost power last week so I lost everything that was being kept in the freezer.

Now, I seem to recall something in my policy about coverage for spoilage. Is that the case?” Pete asks hopefully.

“I’m afraid that’s not the case, Pete,” Tracy replies with regret. “You probably remember something about it because I recommended you purchase an optional coverage endorsement back when you set up your restaurant policy. Your Restaurant Insurance Policy does not extend coverage for spoiled food, but there is an optional coverage called Spoilage Insurance that would cover an event like this.”

“Well, I guess I should buy some Spoilage Insurance, then.”

Check in next time to find out what Pete gets himself into next.

Restaurant Insurance Louisiana – You Know the Restaurant Business. We Know The Insurance Business.

As a restaurant owner, you know the ins and outs of the restaurant business. By the same token, we at Jeff Davis Insurance know the ins and outs of the insurance business. Let us put that knowledge and experience to work for you.

Give us a call today by dialing 337-824-4455 to learn how you might be able to save big money on your Louisiana Restaurant Insurance premiums. 

To request a free quote online you need only click one of the links below to be taken to our convenient electronic form:

To start a free quote, click a location listed below:

Metairie Terrace Tow Truck Insurance

Metairie Terrace Tow Truck Insurance – Call Today!

Metairie Terrace Tow Truck InsuranceIf you’re searching for the best rates on Tow Truck Insurance in Metairie Terrace Louisiana and the surrounding areas then you’ve found the right place.

We are Jeff Davis Insurance, a leading insurance agency in Louisiana. As an independent agency we have the tools necessary to help our customers find appropriate and affordable coverage on Tow Truck Insurance in Louisiana.

Give us a call today at 337-824-4455 to speak with one of our licensed insurance agents.

Metairie Terrace Tow Truck Insurance – Exclusions of Coverage. 

This week we will continue the theme of exclusions of coverage. Just in case you’ve forgotten what exclusions of coverage are, we define them as specific situations pointed out in the language of an insurance policy for which coverage would not be allowed or paid for by the insurance company.

The most important advice we give at Jeff Davis Insurance is to carefully read your policy from cover to cover

You really need to know what is and, more importantly, is not covered on your Louisiana Tow Truck Insurance policy so that you won’t be blindsided by a claim denial down the road.

Bearing that in mind, let’s conclude our claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage.

Tow Truck Insurance Metairie Terrace – Coverage Scenario. 

When we left off, the lawyer representing Marty’s Repair and Tow contacted Biff to persuade him to drop the case, or else they will petition the judge for a declaratory judgment.

When Biff does not back down, the lawyer suggests that he may be eligible for workers compensation under Marty’s Repair and Tow’s policy.

Biff continues to hold out for a bigger payout, however, so the lawyer tells Biff he’ll email him a copy of Marty’s Tow Policy and highlight what it says in regards to Biff’s situation.

The next morning Biff opens an email in his inbox from the lawyer. Attached is a copy of Marty’s policy with a particular section highlighted:

Employee Indemnification and Employer’s Liability Bodily injury to:

a . An employee of any insured arising out of or within the course of: (i) That employee’s employment by any insured; or (ii) Performing duties related to the conduct of any insured’s business; or

b . The spouse, child, parent, brother or sister of that employee as a consequence of Paragraph a. above.

Put more succinctly, coverage is excluded for bodily injury to the spouse of the employee as a consequence of the employee’s employment.

Because Biff’s wife was injured as a direct result of Biff’s duties while on the job, she would not be covered.

So while Biff might be eligible for workers compensation under his employer’s policy, his wife certainly is not.

Out of anger, Biff doubles down. He rants belligerently about how he’ll have his day in court. Just as the lawyer promised, within weeks the judge issues a declaratory judgment that effectively quashes Biff’s lawsuit and labels it groundless. Biff is hit with a countersuit for attorney’s fees and costs and gets a bill for $16,872.

Naturally, Biff is fired from his towing job and it looks like he will be headed to bankruptcy court.

Metairie Terrace Tow Truck Insurance – Call Us Today!  

If Biff had understood the language of his employer’s policy as it relates to him as an employee he might have thought twice about filing a lawsuit.

Commercial truck insurance is complicated and it’s important to buy your coverage from Jeff Davis Insurance.

Our number is 337-824-4455, and we’re available Monday through Friday 8:30 AM to 4:30 PM (CST).

We can shop the market for you to find the best coverage options on Tow Truck Insurance in Metairie Terrace Louisiana.  

We also offer Louisiana Tow Truck Insurance in the following areas: 

  • Tow Truck Insurance Zachary Louisiana
  • Tow Truck Insurance Monticello Louisiana
  • Brownfields Louisiana Tow Truck Insurance
  • Baker Louisiana Tow Truck Insurance

Tow Truck Insurance Shreveport Louisiana

Tow Truck Insurance Shreveport Louisiana. 

Tow Truck Insurance Shreveport LouisianaIf you’re looking for Tow Truck Insurance in Shreveport Louisiana and the nearby areas then look no further than Jeff Davis Insurance. 

As a leading independent agency in Louisiana, Jeff Davis Insurance has the experience and knowledge to help business owners like you find the coverage and rates they need on Tow Truck Insurance in Louisiana. 

Call us today at 337-824-4455 to speak with one of our licensed professionals. We are here to answer any and all questions related to your insurance needs. 

Tow Truck Insurance Shreveport Louisiana – Exclusions of Coverage. 

In this week’s article we’re continuing the exclusions of coverage theme. To recap, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be granted by the insurance company. 

As we’ve said before, the best advice we can give at Jeff Davis Insurance when it comes to exclusions of coverage is to read your policy very carefullyIt is the most reliable way to fully understand what is and is not covered on your Louisiana Tow Truck Insurance policy. 

The following is a claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage. Let’s see how it concludes:

Shreveport Louisiana Tow Truck Insurance – Coverage Scenario. 

You may recall that Biff McSlickerson drives a tow truck for a towing company, and he’s known around town for having won a hefty sum of money from a lawsuit a few years back.

When last we left Biff, he and his wife had just been injured while Biff was on the job. He was too busy arguing with his wife, whom he was giving a ride to the casino, to notice that he had improperly attached the hook of his tow truck to a customer’s car. The car came loose and rolled on top of the couple.

With his arm broken and his wife in the emergency room, Biff sees another opportunity to make some easy money.

Biff thinks he can file a lawsuit against his employer, Marty and obtain a large 6 figure settlement. Biff realizes he’ll quickly get fired by Marty but believes the big settlement will be worth it, plus he will be able to collect unemployment after getting the axe.

Biff writes up the lawsuit using big legal terms such as loss of consortium and untold pain and suffering to make his case.  Biff knows that his boss has $5 million of coverage and plenty of money in the bank and expects a quick and large settlement from Marty’s insurance company.

Biff prepares his lawsuit papers, and files them at the court house after paying his fee.

Is Biff getting ready to make his second big pay day?

We will learn the answer in next week’s post to see what happens.

Tow Truck Insurance Shreveport Louisiana – Call Us Today!  

It’s super important to understand how your coverage works when you purchase Tow Truck Insurance in Shreveport Louisiana and the nearby areas.

If you have questions about insurance exclusions call the agents at Jeff Davis Insurance today for answers about Tow Truck Insurance. 

Call 337-824-4455 Monday through Friday 8:30 AM to 4:30 PM (CST). We will shop the market for you to find the best coverage options on Tow Truck Insurance in Shreveport Louisiana.  

We also offer Louisiana Tow Truck Insurance in the following areas:

  • Zachary Louisiana Tow Truck Insurance
  • Monticello Tow Truck Insurance
  • Brownfields Louisiana Tow Truck Insurance
  • Tow Truck Insurance Baker Louisiana

Tow Truck Insurance Baton Rouge La

Tow Truck Insurance Baton Rouge La 


Tow Truck Insurance Baton Rouge LaShopping for Tow Truck Insurance in Baton Rouge Louisiana and the surrounding areas can be a challenge unless you call the specialists at Jeff Davis Insurance.

As a leading Independent Insurance Agency we can help you find the best options for Tow Truck Insurance in Louisiana.

Call us today by dialing 337-824-4455.

We offer competitive insurance solutions for a variety of different towing operations, no matter if it’s incidental to your garage or dealership, or you specialize in any form of towing including repo work.

It Is Super Important to Disclose All Facts about Your Business Operation.

In last week’s discussion we considered how Lowball Trucking Insurance Company issued a claim denial to Atlas Trucking because of a material misrepresentation on the insurance application submitted to the insurance company.

An agent working for Lowball Trucking Insurance Company did not document the correct radius of operation on the application, and the Atlas Trucking Company did not notice the incorrect information listed on their application leading to a claim denial.

Within the insuring agreement of any commercial auto policy is a detailed list of terms and conditions and exclusions of coverage.

One of the conditions within the typical commercial auto policy purchased by towing operations, garages, and car dealerships is the ability for the insurance company to void a policy when incorrect information is provided to the insurance company.

Today we’re going to discuss the rationale on why some insurance companies place radius of operation restrictions on their policy, and we will discuss the importance of making sure all details are accurate. 

Why Do Insurance Companies Place Restrictions on Radius of Operation?

Not all insurance companies have the same underwriting standards based on their particular risk appetite. Some insurers are okay with insuring companies that need an unlimited radius of operation; other companies restrict the radius of operation to only 200 miles; still other companies, 350 miles; some 500 miles.

Why do companies place such limitations within their underwriting guidelines?

It’s normally based on past experience.  A company restricting their insured customers to 200 miles or less perhaps has had unfavorable loss experiences with trucking operations including towing service operations traveling further than 200 miles.

In some instances companies will make minor exceptions to their underwriting rules. However, if a particular insurance company limits the radius of operation to 200 miles or less and a tow company travels further than the maximum allowed, the insurance company will decline to insure that company.

What happens if a company travels further than the maximum allowed and incorrect information is listed on the application? 

This will likely result in a claim denial or the policy will be voided as if it never existed.

It’s vitally important to ensure all information on the company application is 100% accurate. 

Call Jeff Davis Insurance When You Need Tow Truck Insurance in Baton Rouge La.

Our tow truck specialists can shop the market to help you find the coverage you need based on your individual circumstances.

Call 337-824-4455 Monday through Friday 8:30 AM to 4:30 PM (CST).

Please look below to learn about other nearby areas we serve commercial truck insurance: 

  • Tow Truck Insurance Walker Louisiana
  • Tow Truck Insurance South Baton Rouge
  • Tow Truck Insurance Scotlandville Louisiana
  • Tow Truck Insurance Zachary Louisiana

Tow Truck Insurance Quotes New Orleans

Fast Quotes and Coverage for Tow Truck Insurance in Louisiana from a Name You Can Trust!

As a business owner time is a precious commodity you likely have little of.

For this reason when you’re shopping for Tow Truck Insurance in New Orleans and the surrounding areas we can help you find the coverage you need quickly, efficiently, and for less money than our competitors.

Tow Truck Insurance Quotes New OrleansCall 337-824-4455 to speak with our friendly courteous agents Monday through Friday 8:30 AM to 4:30 PM (CST).

Last week we discussed the initial preliminary steps to take if you are involved in an accident.

In this week’s article will continue that conversation to explain the importance of information/duties insurance companies need to investigate claims.

Tow Truck Insurance New Orleans – Steps You Must Take For Claims To Be Paid!

Please notice what duties policyholders companies require when a claim needs to be filed:

A person seeking coverage must:

  1. Cooperate with us in any matter concerning a claim or lawsuit;
    2. Provide any written proof of loss we may reasonably require;
    3. Allow us to take signed and recorded statements, including sworn statements and
    examinations under oath, which we may conduct outside the presence of you, a
    relative, or any person claiming coverage, and answer all reasonable questions
    we may ask as often as we may reasonably require;
    4. Promptly call us to notify us about any claim or lawsuit and send us any and all
    legal papers relating to any claim or lawsuit;
    5. Attend hearings and trials as we require;
    6. Submit to medical examinations at our expense by doctors we select as often as
    we may reasonably require;
    7. Authorize us to obtain medical and other records;
    8. Take reasonable steps after a loss to protect the insured auto from further loss.
    We will pay reasonable expenses incurred in providing that protection. If failure to
    provide such protection results in further loss, any additional damages will not be
    covered under this policy;
    9. Allow us to have the damage to an insured auto or other auto involved in an
    accident or loss inspected and appraised before its repair or disposal; and
    10. Authorize us access to your business or personal records as often as we may
    reasonably require.

Insurance companies do not accept blind liability for accidents, including lawsuits, until they have had reasonable time to investigate the accident or claim.

The insurance company requires the cooperation of its policyholder’s as there may be details that can’t be obtained without the policyholder’s assistance.

We will discuss this a little bit further in a future article.

Tow Truck Insurance New Orleans – We Offer a Claims Advocacy Program.

Because of the complexity of insurance it’s good to know that if you choose Jeff Davis Insurance to care for your tow truck insurance needs we will stand up for your rights as a policyholder

Why not call us today as you are searching for Tow Truck Insurance in New Orleans or the surrounding areas?

Our direct telephone number is 337-824-4455 and our licensed agents are available by phone Monday through Friday 8:30 AM to 4:30 PM (CST).

Why not call today?

We also offer tow truck insurance in other nearby locations:

  • Tow Truck Insurance Kenner Louisiana
  • Tow Truck Insurance Gretna Louisiana
  • Belle Chasse Tow Truck Insurance
  • Terrytown Louisiana Tow Truck Insurance
  • Chalmette Louisiana Tow Truck Insurance

 

 

Commercial Tow Truck Insurance Louisiana

Commercial Tow Truck Insurance LouisianaIf you own a garage providing towing services or a tow truck company you need the best options for commercial tow truck insurance in Louisiana.

Jeff Davis Insurance provides insurance for thousands of individuals and companies in the state of Louisiana and you can count on us today and tomorrow when shopping for tow truck insurance in Louisiana.

Call 337-824-4455 to speak with our licensed representatives. 

Make sure Your Liability Limits Are Sufficient.

One of the most important steps that should be taken when shopping for tow truck insurance in Louisiana is to make sure you purchase sufficient liability limits to cover your financial interests.

For example one fairly large tow truck company operating in multiple states and offering 24 hour per day services, with revenues in excess of $4 million per year, only maintained at the time $1 million of auto liability insurance for its fleet of 22 vehicles.

As a business owner do you believe that $1 million of coverage would be sufficient to cover a company generating more than $4 million in revenue per year?

Example:  A driver working for this company after picking up an abandoned pickup truck at 6 AM in the morning falls asleep at the wheel and plows into a semi-truck that in turn strikes a minivan with two passengers on their way to work causing two fatalities in the minivan.

A subsequent investigation revealed that the driver had been working overtime for the tow truck company and had not slept in 24 hours because of the heavy workload he was under at his company.

A verdict of $3 million +3 million in punitive damages was assessed against the tow truck operation.*

Because the company only had $1 million in liability coverage they were forced to file bankruptcy and liquidate its assets and close its doors.

Could This Happen to Your Business?

While it’s likely true that an accident of this proportion would never occur to your business, what if something similar happened?

As an employer you are not only responsible for your own actions, but of the actions of your employees.

What if you were sued for an amount of money that exceeded your coverage limits on your Louisiana tow truck insurance policy?

Any amount of money not covered by insurance would be the responsibility of the business.

Because of this fact it’s important to choose your coverage limits wisely.

Need Commercial Tow Truck Insurance in Louisiana? 

We can not only help you find the coverage you need, but we can discuss how a commercial umbrella policy can give you added protection for your company.

Call 337-824-4455 to speak with one of our licensed agents when you’re shopping for the best options on commercial tow truck insurance in Louisiana.

Louisiana tow truck insurance also available in the following communities:

  • Commercial Tow Truck Insurance New Orleans
  • Tow Truck Insurance Baton Rouge
  • Tow Truck Insurance Lake Charles
  • Commercial Tow Truck Insurance Shreveport
  • Tow Truck Insurance Lafayette Louisiana
  • Tow Truck Insurance Metairie Terrace
  • Tow Truck insurance Monroe Louisiana
  • Tow Truck Insurance Jennings

*This is a fictitious claims example.