Restaurant Insurance
Over the years Insured Business has strived to offer our clientele unparalleled service and protection in the entertainment business. Today that is exactly what we have accomplished. Our team of specialists meets with our clients face to face in order to work through an individual’s unique needs.
Attention Restaurant Owners:
Having your employees TIPS certified can result in big discounts on your liquor liability insurance. All information on how to get started can be found by clicking here.
On the left side are some of the Insurance Companies we write policies through. Regardless of your business needs, we have the right company & coverages for you.
Core coverages include:
- General Liability (up to $12,000,000)
- Liquor Liability
- Business Personal Property
- Business Income
- Building coverage
- Assault & Battery
- Medical expenses
- Workers Compensation
This is only a partial list of coverage. Each policy is tailored to our client’s individual needs to ensure the company and coverage’s are right for you.
Did You Overlook the NY Workers Compensation Premium Credit ?
Many construction firms have a discounting tool available to them as it related to their New York Workers Compensation Premium. Sadly this credit is often overlooked. It's called the "Contractor's Premium Adjustment Credit." The size of the credit varies, however, in most states, the credit range is between 5 & 40 percent with discounts of approximately 20 percent being the average. In many states, a formula is used to determine the credit. The formula is based upon average weekly wages to determine the size of the credit.
The contractors Premium Credit can be obtained by completing a simple application- download pdf file for the application. Contact our office for eligibility and we will be happy to apply for you if you qualify.
Construction Employment Payroll Limitation Program
The New York State Legislature enacted the Construction Employment Payroll Limitation Law to provide a more equitable distribution of workers' compensation premium between high-wage paying and low-wage paying employers in the construction industry. The Construction Employment Payroll Limitation Program applies a maximum payroll limitation for employees in eligible construction classification codes (non-residential) for the purposes of determining workers' compensation insurance premiums. Please contact our office for help setting this up.