Restaurant Insurance Lafayette LA

Restaurant Insurance Lafayette LA – Great Rates Are Within Your Grasp!

Restaurant Insurance Lafayette LA

Great rates on Restaurant Insurance in Lafayette La are so close you can almost taste them (pun intended).

If you call our office at 337-824-4455 weekdays before 4:30 PM CST (lunch break between 12:00 and 1:00 PM), a licensed agent will be happy to assist you with free Lafayette Restaurant Insurance quotes, answer any insurance questions you may have, or provide you with helpful information.

Another great way to request free quotes from multiple companies offering Louisiana Restaurant Insurance is filling out our simple online quote request form available 24 hours a day.

To access the form, just click the option below closest to your location:

Lafayette Restaurant Insurance – Part 30: Recap Part 2

This week we will continue to summarize the events that have transpired in our fictional account of Pete Ross and his fledgling restaurant.

We left off last time with Pete looking for a way in which he could keep his monthly premiums low while also insuring his newly-purchased building.

Tracy tried to find a workable solution for Pete that would allow him to insure his property while also keeping a manageable monthly rate.

She told him that the best option available was to set Pete up with a $500,000 insurance plan for the property, which is half of the recommended coverage amount of $1,000,000.

This option would mean lower monthly payments for Pete, but the catch is that the property policy has a coinsurance clause.

Coinsurance, Tracy explained, is the percentage of the building’s value that the insurance company requires you to insure before a penalty is applied.

The policy requires an 80% coinsurance. Since 80% of a million dollars is $800,000, and Pete will only be insuring it for $500,000, he will be penalized in the event of a claim.

In a nutshell, if Pete’s property suffers a loss and the insurance company agrees to cover it, he will still have to pay over half of the costs.

Pete only had ears for a lower monthly payment, however, so he elected to go ahead with this plan even though it was against Tracy’s better judgment.

Not long after that, a drunk driver crashed his dump truck into the side of Squeaky Pete’s Pork Emporium, causing massive damage.

The firm providing insurance for the dump truck paid Pete over $250,000 for the incident, but they also sued the bar that the dump truck driver came from just before the crash.

In a future article, we’ll give a synopsis of the final events in the story.

Restaurant Insurance Lafayette LA – Contact Our Brokerage Right Away.

337-824-4455 is the number to call when you need better rates and coverage on Business Insurance for Restaurants.

Contact Our brokerage today or click below to access our online quote form:

Liquor Liability Insurance Louisiana

Liquor Liability Insurance Louisiana – First-rate Coverage Plans Are On the Market! 

Liquor Liability Insurance LouisianaShopping for Liquor Liability Insurance in Louisiana?  It’s an extremely important coverage to add to your existing Business Insurance. 

Call and speak to our licensed agents right now by dialing 337-824-4455. You can reach us Monday to Friday 8:00 AM to 12:00 PM and after lunch from 1:00 PM to 4:30 PM CST. 

If you have found us past normal business hours you’re still able to request a free quote. Just choose an area from the specific locations listed below in order to make a free information or quote request 24 hrs. a day: 

Louisiana Liquor Liability Insurance – Story Recap 

In our last article following Squeaky Pete’s Pork Emporium, the insurance company responsible for Lucky Chuck’s Haul and Dump‘s commercial auto insurance discovered some important information. 

They are convinced that the bar served Chuck too much alcohol, and therefore the bar is liable for the accident that decimated Pete Ross’ restaurant. 

They file a lawsuit under this reasoning and serve it to the owner of the bar. 

Liquor Liability Insurance in Louisiana – Coverage Scenario Part 19. 

The bar being sued by the insurance company is owned by a feisty guy named “Big” George Jowlsby. 

Big George comes storming into the bar first thing in the morning before open hours and lays right into Mike, the bartender. 

“Mike!” he screams, “My bar just got sued by some insurance company, and you’re listed as one o’ the defendants!  What the heck is goin’ on here?” 

“Whoa, whoa, settle down, Big George,” Mike responds, a little confused. “I don’t know nothin’ about no lawsuit.” 

“You don’t know nothin’, eh?” Big George shoots back. “Well, it says here that some schmuck was over served in this establishment and then crashed a dump truck into that delicious Pork Emporium up the road from here.” 

Mike’s eyes widen as he remembers watching helplessly as a drunken dump truck driver drove away from the bar. 

“Ah, so you do know something about this, eh, Mike? Have you been over serving my customers?”

“I… I didn’t mean to let that happen, Big George” Mike tries to explain. “The guy must have been sneakin’ drinks from other customers or somethin’. And then, one second he’s in his seat and the next he’s stumblin’ out the door. I tried to stop him, George, I swear I did. But I was too late.” 

“So you promptly called the police and warned them about a drunken man operating a six-ton dump truck, right?” 

Mike doesn’t know what to say. 

“And I loved that pork restaurant, Mike,” George adds. “You’re fired.” 

After the incident, Big George calls up his insurance agent to find out what his options are. 

What will he learn? Find out next time in part 20. 

Liquor Liability Insurance Louisiana – Contact Our Bureau Without Delay. 

Call Jeff Davis Insurance right now at 337-824-4455 to find great options on Liquor Liability Insurance in Louisiana. If it is after hours, send us a request for information or quotes by clicking a link below based on your closest location:

Restaurant Insurance Baton Rouge

Restaurant Insurance Baton Rouge – Affordable Rates from Top Companies! 

Restaurant Insurance Baton RougeIf you are searching for affordable Restaurant Insurance in Baton Rouge then call Jeff Davis Insurance at 337-824-4455 today. We offer free quotes with great rates on Baton Rouge Business Insurance for Restaurants from top-rated companies.  

Our office hours are Monday through Friday 8:00 AM to 12:00 PM and 1:00 PM to 4:30 PM CST. 

Click an option below to launch our free online quote request form.  

Baton Rouge Restaurant Insurance – Story Recap  

In part 11 of our continuing series following Pete Ross, owner of a restaurant called Squeaky Pete’s Pork Emporium, Pete received a real bombshell. 

He was informed by his insurance agent, Tracy, that his current restaurant insurance policy will soon be canceled by the insurer due to Pete’s excessive claims activity. 

Pete was understandably perplexed, so Tracy explained to him from a business perspective why the insurance company came to that decision. 

Pete eventually sees her point and then asks what his options now are. 

Tracy tells him she’ll see what she can do for him. 

Business Insurance Baton Rouge – Coverage Scenario Part 12 

Tracy gets to work finding another insurance company who will be willing to insure Pete for Squeaky Pete’s Pork Emporium before Pete’s current policy ends. 

A couple days later, Tracy gives Pete a call. 

“Hi, Pete.” 

“Hi, Tracy,” Pete replies. “What have you got for me?” 

“I have good news and I have bad news, Pete,” Tracy answers, reservedly. 

“I could use some good news right about now,” says Pete with some exasperation.

“Well, the good news is that I did manage to find one insurance company willing to insure your restaurant.” 

“That’s great!” Pete exclaims excitedly, seeming to forget that bad news is about to follow. 

“The bad news,” Tracy continues, “is that even though the company is willing to allow you to make monthly payments, your premiums with this new company are going to increase from $5,000 for the year to about $14,000.”

Pete almost has a heart attack. His premiums nearly tripled in the space of a single year!

While Pete struggles with the news, Tracy does her best to explain why his premiums are so much higher. 

“Pete, you have to look at it from the new company’s viewpoint. They are willing to insure you. Remember, Pete, you only paid $5,000 to your previous company for the entire year while they paid out $150,000 for multiple claims.”

Tracy pauses while trying to be tactful with Pete.

“To be honest, every company to whom we submitted your account turned you down because of your claims. I’m sorry, Pete. This company is your only option.”

After this all sinks in, Pete has a question for Tracy. 

“Would I, by any chance, be able to get a discount on my insurance if I were the owner of my building?” 

“Why do you ask?” Tracy inquires before answering. 

“The owner of the building I am leasing is filing bankruptcy and wants to sell it to me at a pretty cheap price so I agreed to buy it. In fact, next Tuesday we are scheduled to close the deal, so if I buy more coverage can I get a discount?” 

“What are you buying the restaurant for?” Tracy responds. 

Pete relates this information to Tracy. She promises to revise her quotes, now including coverage for the building, and get back with him.

Tracy gets the adjusted quotes and calls Pete two days later. 

In our next article, we will learn what Pete’s options now are for the revised quotes.

Baton Rouge Restaurant Insurance – Let the Specialists at Jeff Davis Insurance Help You. 

The business insurance specialists at Jeff Davis Insurance are ready to help you find the very best rates and coverage for your Louisiana Restaurant Insurance needs. 

Call 337-824-4455 or request a free quote online by clicking one of the locations below:  

Business Insurance for Restaurants New Orleans

Business Insurance for Restaurants New Orleans – Free Quotes Available 24/7

Business Insurance for Restaurants New OrleansFor free quotes on Business Insurance for Restaurants in New Orleans the best place to call is Jeff Davis Insurance.

Jeff Davis Insurance is an independent insurance agency in Louisiana offering the very best rates on Restaurant Insurance in New Orleans, Baton Rouge, Lake Charles, Kenner, Bossier City, and throughout the pelican state.

If you’re interested in saving money on your restaurant insurance then call us today at 337-824-4455 Monday through Friday before 4:30 PM CST.

You also have the option to click a location below to use our online quote request form available 24/7:

Business Insurance for Restaurants New Orleans – Story Recap 

Today we continue the story of restaurant owner and entrepreneur Pete Ross as he navigates the pitfalls of opening and running his new restaurant, Squeaky Pete’s Pork Emporium.

During the short lifespan of his restaurant, Pete has had to deal with losing his entire stock of food due to power loss, a lawsuit from a customer who slipped on oil and injured himself, and an employee who was badly burned in a kitchen accident.

All the while, Pete’s insurance agent Tracy has advised him on what his insurance does and does not cover, as well as the available optional endorsements that would extend coverage for claim events that might otherwise not be covered.

Half a year goes by without any problems, until one day a grease fire is ignited in the kitchen.

Let’s find out what happens next…

New Orleans Business Insurance for Restaurants – Coverage Scenario Part 8

If you recall, Pete hired a company to clean his grease traps each week. However, Pete did not notice that the company had not come by in a while to empty them, so they became jam-packed with grease.

Grease traps can and do catch on fire, and that’s exactly what happened to one of Pete’s grease traps on a busy Saturday evening. Alvin, one of the restaurant’s part time waiters, was walking by just as the fire broke out and takes immediate action by dumping a pitcher of water on the fire!

Unfortunately that was the wrong move for a grease fire. Now the small fire has quickly become a much bigger one, causing all of the kitchen staff of Squeaky Pete’s Pork Emporium to frantically exit the kitchen in a panic.

Immediately the fire alarms go off causing what could be best described as a chaotic stampede of customers rushing for the door.

Ginger, one of the older, more experienced waitresses, rushes to the kitchen and grabs a Class B fire extinguisher. She douses the flames and before long they have died down.

One of the customers outside called 911, and fire trucks pull up a few minutes later as Ginger walks out the door carrying the empty fire extinguisher.

Pete had run down to the local Costco to pick something up and arrived 10 minutes after Ginger doused the grease fire, only to see customers milling in the parking lot along with two fire trucks and firemen rolling up their hoses.

Pete begins to wonder if he’s cursed. He thinks to himself, “fire should be covered by my insurance.”

By now he has Tracy on speed dial. She’s not in the office right now, of coursde, but he leaves a message stating that he needs to file another claim.

What will Tracy have to say about this one? Is a fire claim covered by Pete’s’ insurance? Find out next week!

New Orleans Restaurant Insurance – Our Agents Are Standing By!

Dial 337-824-4455 to speak to an agent over the phone or click one of the links below to launch our free online quote request app:

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: