For many small businesses, seasonal employees are an essential part of staying competitive during the busy holiday rush. Restaurants usually need extra servers for holiday events and corporate parties, and retailers often hire additional employees during peak shopping periods. Retailers, hotels, event venues, and businesses may also need temporary staff to handle increased customer demand. […]

Inflation impacts small business owners in a variety of ways, whether it’s rising food and ingredient costs, more expensive fuel, utility increases, or higher interest rates on loans or credit cards. Many small business owners assume their Commercial Property Insurance coverage always keeps pace with rising costs simply because their policy renews every year. Unfortunately, […]

Serving beer, wine, or liquor can be an excellent way for restaurants, bars, breweries, wineries, and event venues to increase revenue. However, serving alcohol also creates unique liability risks that many business owners don't fully understand. One of the most common misconceptions is that a standard General Liability Insurance policy automatically covers alcohol-related claims. In […]

As a small business owner, you’ve learned first-hand how technology makes it easier than ever for small businesses to communicate, process payments, and manage daily operations. Unfortunately, it’s also created new opportunities for criminals to target businesses through email scams and online fraud. Employee email fraud has become a growing concern for restaurants, retailers, hotels, […]

For many business owners, the roof is something you rarely think about, until there’s a leak, storm damage, or major repair bill. Your Commercial Property Insurance is designed to help protect your building, but many owners are surprised to learn that roof damage is one of the areas where coverage might be complicated. Understanding roof […]

Commercial kitchens are the heart of many restaurants, cafés, bakeries, bars, and hospitality businesses. They are also one of the areas of a business with the highest potential for serious property damage. Between open flames, hot cooking equipment, grease buildup, electrical systems, and busy employees working in tight spaces, even a small mistake can quickly […]

Hosting private events can be an excellent source of additional revenue for your restaurant, bar, brewery, hotel, banquet facility, or event venue. It gives your business a chance to impress a large number of guests at once, and showcase your company’s venue and services. Whether it's a wedding reception, corporate gathering, birthday party, fundraiser, or […]

Commercial Umbrella Insurance is one of the best ways for small businesses to increase their liability protection without dramatically increasing insurance costs. It provides an additional layer of coverage above the limits of your existing policies, helping protect your business if a large claim or lawsuit exceeds those limits. However, one of the biggest misconceptions […]

According to the National Restaurant Association, nearly 40% of Americans have food delivered to them every week. During the pandemic, many restaurants had to quickly pivot to offering curbside and/or delivery in order to stay afloat, and the popularity has only gone up for consumers since then. As a result, food delivery has become a […]

Most small business owners like to believe they can trust their employees, and in most cases, they can. Your team members are often the people who help keep your restaurant, café, retail store, or hospitality business running smoothly every day. Unfortunately, employee theft is a real risk that many businesses face, and it can happen […]