Insurance Resources & Guides

Expert insights to help you understand commercial insurance and protect your business.

Coverage Guide

Spoilage and Contamination Coverage: Protecting Your Inventory

Spoilage coverage protects your food inventory when refrigeration fails or contamination occurs.

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Coverage Guide

Landlord Insurance Requirements: Meeting Your Lease Obligations

Understanding and meeting commercial lease insurance requirements for restaurant tenants.

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Coverage Guide

Business Interruption for Restaurants: When You Can't Open Your Doors

Business interruption insurance covers lost income when disaster forces your restaurant to close.

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Coverage Guide

Restaurant Equipment Breakdown: Coverage for Commercial Kitchen Failures

When commercial kitchen equipment fails, equipment breakdown coverage pays for repairs, spoilage, and lost income.

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Coverage Guide

Manager Personal Vehicle Use: HNOA Coverage for Bank Runs and Errands

Why managers using personal vehicles for business creates liability and how HNOA protects you.

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Coverage Guide

Ghost Kitchen Delivery Operations: Auto Liability for Virtual Brands

HNOA coverage considerations for ghost kitchens and virtual brand delivery operations.

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Tips & Advice

Social Media and Employee Termination: Modern EPLI Risks

When can you terminate employees for social media posts? Understanding protected activity and EPLI risks.

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Coverage Guide

Manager Liability in Restaurants: When Supervisors Create Legal Exposure

How restaurant managers create EPLI exposure and what you can do to reduce risk.

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Coverage Guide

Online Ordering System Breaches: Who's Responsible and What's Covered

Liability and insurance coverage when online ordering systems are breached.

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Coverage Guide

Restaurant WiFi Networks: Security Risks and Cyber Coverage

Cybersecurity risks of guest WiFi networks and how cyber insurance responds.

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