Have questions about business insurance, claims or certificates? We’ve got you (and your business) covered.
Is Food and Beverage insurance required by law?
Typically — no, but other regulations may need to be in place, such as food handler licenses. According to the Bureau of Labor Statistics, the food and beverage industry had 93,800 non-fatal injuries and illnesses in full-service restaurants in 2019. So, with various liabilities that may happen, food and beverage insurance could help save costs in case of these unfortunate events. » Want to know more? Find out the common restaurant business insurance claims Which policies can Food and Beverage insurance include? While food and beverage insurance may not be legally required, it's still worth looking into, as it can greatly benefit your food and beverage business. Here are some policies that this coverage can include: General liability insurance: This policy can cover third-party bodily injuries, property damage and advertising injuries. Some states may require this coverage before you can sell food goods.Workers' comp insurance: Should your employees suffer any work-related injuries or illnesses, this policy can help. Legally, this can be required if you have any employees.Commercial property insurance: If you experience any business property damage from perils such as fire, theft or vandalism, this policy can provide financial support.Commercial auto insurance: For damage or injuries from accidents involving vehicles used for business purposes, this policy can provide protection.Liquor liability insurance: This can help cover alcohol-related accidents and injuries. It can be legally required if you are selling or serving alcoholic beverages. How NEXT can help with Food and Beverage insurance From restaurant owners to private chefs, food and beverage insurance can cover numerous risks and help protect your business. And NEXT can help by offering affordable, tailored business insurance. To view your options, you can get an instant quote online in less than 10 minutes. Once you've purchased the coverage you need, you instantly get your certificate of insurance and can share it 24/7 with the NEXT app. With the right coverage, you can focus on providing excellent customer service with peace of mind.
Asked 3 days ago
Do I need food and beverage insurance if I serve pre-packaged food?
It depends. Some government agencies and business partners may require you to have some insurance before you can sell pre-packaged food in, for example, retail grocery stores. And if you have a kitchen or deli counter where the food is prepared, food handlers licenses could be needed. Like any food and beverage business, serving pre-packaged food can come with risks. According to the National Library of Medicine, proving pre-packaged food to be the exact cause of a customer's illness can be difficult. However, this can lead to bad publicity and loss of sales. So, food and beverage insurance is an important consideration. Which policies can help? Food and beverage insurance has several types of coverage that can help protect your business from risks associated with pre-packaged food. General liability insurance: Customer injuries and product advertising harm can be covered by this policy. For example, if a customer sues you because of an inaccurate label on a pre-packaged item.Workers' comp insurance: This can protect you financially if an employee is injured during work-related tasks. It is often legally required if you have employees.Commercial property insurance: Damaged business property and pre-packaged food items can be covered for replacements.Commercial auto insurance: If you or an employee uses a business vehicle to transport the pre-packaged food, this policy can provide financial support for accidents. How NEXT can help businesses serving pre-packaged food Every business is different, and you may opt to purchase some policies but not others depending on your location and business type. With NEXT, you can explore affordable food and beverage insurance and other business insurance tailored to your needs. Once you've chosen what works for you, you can get a certificate of insurance quickly and access it 24/7 from the NEXT app. Then, you can focus on your service and customers without worry.
Asked 3 days ago
Is Liquor Liability insurance a legal requirement?
Liquor liability insurance is a type of business insurance. It can provide coverage to businesses that make, serve, sell or distribute alcohol, such as restaurants and other food service businesses. Liquor liability insurance is a legal requirement in states with dram shop laws that hold businesses responsible for injuries or damages caused by intoxicated individuals. Liquor liability insurance can help protect your business from claims related to assault, drunk driving and property damage caused by someone who was served alcohol at your business. It can also help cover losses ranging from: Legal costs: Expenses related to pursuing or defending legal action, such as hiring a lawyer, filing fees, court costs, etc.Lawsuit settlements: If you reach an agreement with the other party where they will drop the lawsuit in exchange for a sum of money or other compensation.Medical bills: If a customer or patron breaks an arm or a leg due to alcohol intoxication on business premises, related medical expenses can be covered.Cost to repair property damage: Costs associated with property damages can be covered under a liquor liability insurance plan. Get Liquor Liability insurance with NEXT NEXT specializes in small business insurance for the food service industry, including liquor liability insurance. You can easily add coverage to your general liability insurance if you are a restaurant operating in the United States. Start a quote, customize your options and access your certificate of insurance online immediately — in about 10 minutes.
Asked 3 days ago
What types of damages are covered under Electronics Store insurance?
Electronics store insurance can provide protection against several types of damages. 1. Property damage coverage Electronics store insurance with commercial property insurance coverage can typically offer protection against various damages caused by: TheftVandalismFireOther hazards In these cases, the coverage can help pay for building repairs if you own the building or equipment replacements. 2. Business interruption coverage Should an electronics store experience a temporary closure for a covered event, electronics store insurance can help cover: Fixed costs, like rent and utilitiesLost income This coverage also can include financial assistance for any relocation to keep the business going while repairs for the primary business property take place. 3. Liability coverage Liability insurance can help protect against claims that may come up because of accidents or injuries that happen on the store's premises. This coverage is designed to help cover: Third-party injuriesDamage to property you don't ownThe cost of legal feesSettlementsJudgments related to a covered claim For example, let's say a customer slips and falls on a wet floor in an electronics store and suffers injuries or damages their own property in the process. The liability coverage may help cover the resulting medical expenses, legal fees and property repairs. » Want to know more? Check out the common retail business insurance claims How NEXT can help electronics store owners Electronics store insurance can help protect business assets and ensure your business operations continue without a hitch in the event of an unexpected incident. But be sure to review policies so you understand your specific coverage, limits and exclusions that apply. NEXT offers fast, affordable and tailored electronics store insurance. To view your options, simply apply online and get an instant quote in less than 10 minutes. You instantly get your certificate of insurance after you purchase the coverage you need, and you can share it 24/7 with the NEXT app.
Asked 3 days ago
Can I get Business insurance if I'm a plumber in California?
Plumbers in California need to protect themselves against potential risks, including accidents, injuries, medical and legal fees, and property damage. Fortunately, you can get business insurance for financial protection against these risks. Types of plumbing business insurance Types of insurance for plumbers include: General liability insurance: This type of insurance can protect against claims of property damage for properties you don't own or bodily injury to a non-employee that may occur during plumbing work.Workers' compensation insurance: This insurance is required by law in California if you have employees and can provide coverage for medical expenses and lost wages if an employee is injured on the job.Commercial auto insurance: This insurance is necessary if the plumber uses a vehicle for business purposes, such as transporting equipment or traveling to job sites.Professional liability insurance: Also known as errors and omissions (E&O) insurance, this insurance can provide protection against claims of professional negligence or mistakes that may result in financial losses for clients. » Follow this comprehensive guide for plumber licensing requirements by state How NEXT helps plumbers It's important to make sure you protect your plumbing business with the right type of insurance to avoid paying entirely out of pocket for any financial losses. NEXT offers fast, affordable and tailored plumbing business insurance for plumbers in California. To view your options, simply apply online and get an instant quote in less than 10 minutes. You'll have instant access to your certificate of insurance once you purchase coverage, and you can share it 24/7 with the NEXT app.
Asked 3 days ago