Protecting Your Business When You Serve Alcohol If your restaurant serves alcohol, accidents can happen, sometimes with serious consequences. Liquor Liability Insurance helps protect your business if a guest causes injury or property damage after drinking at your restaurant. Even if you follow all the rules, your restaurant could still be held responsible if someone […]

Renovating your business space is exciting, since it gives you the chance to offer a new layout, fresh branding, and better customer experiences. But while you're focused on construction and design, there's one thing that often gets overlooked: your Business Insurance coverage. Whether you're expanding your kitchen, upgrading your fixtures, or doing a full remodel, […]

Simple Protection for Everyday Risks Even with the best staff and safety practices, things can still go wrong. A guest might slip on a wet floor, get burned by hot coffee, or claim they got sick after eating at your restaurant. General Liability Insurance protects your restaurant when accidents happen, or unexpected incidents that can […]

If you own a small business, especially a retail store or restaurant, insurance isn't just a formality. It's your company's financial safety net if disaster strikes. But not all policies cover the same risks. Two of the most important types of Commercial Insurance coverage for business owners are Commercial Property Insurance and General Liability Insurance. […]

A full-service restaurant operates in a high-touch environment where every guest interaction matters. Unlike quick-service or fast-casual options, a full-service restaurant depends on creating memorable experiences through attentive service, atmosphere, and consistency, all while balancing rising costs and operational risks. Here are some of the most common challenges restaurant owners face. 1. Rising Labor Costs […]

Signing a lease for your storefront is a big step, but if you're not careful, it could come with costly insurance obligations you didn't expect. Many restaurants and retail business owners sign commercial leases without fully understanding the insurance requirements buried in the fine print. That mistake can lead to expensive gaps in coverage, or […]

Texas summers bring more than just heat. They also bring higher risks, especially for retailers and restaurant owners. Every year, small businesses across the state face inventory loss, power outages, equipment failure, and unexpected shutdowns due to extreme temperatures and rolling blackouts. If you're a retailer or restaurant owner, you already know that summer is […]

Protect Your Business, Employees, and Guests Running a restaurant is rewarding, but it comes with many risks. A single incident, like a guest injury or employee issue, can cost thousands of dollars and even jeopardize your business. That’s why having the right Business Insurance coverage is essential. For decades, Aegis Insurance & Financial Services has […]

Small business owners often focus on cutting costs. Although it's smart to keep costs low, one area where cutting corners can do serious damage is your Business Insurance coverage. Being underinsured means you have coverage, but not enough of it, and when something goes wrong, that gap can leave you paying thousands out of pocket. […]

If a burst pipe floods your retail store or a fire shuts down your restaurant's kitchen, repairs could take weeks or even months. While you're trying to rebuild, your business is still going to be responsible for meeting payroll, rent payments, and utilities, even though your income has come to a standstill. Can your business […]