Lehman Insurance – Insurance Quotes In New York, NY
Are you a Californian restaurant owner who is looking for the best insurance rate quotes? Only at Restaurant Insurance Group will you get the most professional and affordable restaurant insurance throughout the year. Restaurant Insurance is in a more advantaged position to understand the risk exposures being faced by restaurant owners in the State because the company is formed by professionals in the restaurant fraternity in California.
<br />You get an all round insurance for your restaurant business regardless of the size at the most competitive rates hence distinguishing restaurant insurance from the millions of insurance brokers out there. Restaurant Insurance insures all types of restaurants such as fine dining and family style restaurants including nightclubs, bars and taverns.
To get your quotes for liability, it will only take you a few minutes. Make a call or send an email. However, you maybe requested to be patient for a few days, depending on the expiry date of your policy, to help experts access the market for you and look for the best policy terms on offer.
At the Restaurant Insurance Group, we understand the complex nature of your restaurant business hence will not take your precious time with pushy salesmen when you want get a quote. You will always be given your space to make decisions for yourself and get back to the company if you find the package interesting. The team of professionals from Restaurant Insurance will take utmost 30 seconds of your time asking a few obvious questions about your basic information that is mandatory to getting a quote.
With Restaurant Insurance, all you need to do is to focus on improving the quality of food that you offer and we shall focus on having on offer the best quote rates for an entire year. We are just a phone call or email away. We are the leading providers of business liability in California, boasting of covering over 2500 business restaurants in the area.
If you are starting to penetrate the restaurant business industry in California, join the team of professionals and let us do the work for you. If you already have an existing coverage with other firms and you want to join a community that truly understands your risks exposure, you need not worry because it is now very easy to transfer your policy. Just fill in a Broker of Record Letter and fax it back to the Restaurant Insurance Group. You will be guaranteeing yourself lower rates and not forgetting great and better professional service.
As the name suggests, the Restaurant Insurance Group specializes in Restaurants. The Group develops the concrete policy forms for the restaurant industry in California hence creating positive improvements on the industry that favor its clients. The Group is endorsed by a couple of restaurant associations just showing how the Restaurant Insurance Group has played a vital role in the industry to gain the confidence of both the clients and shareholders in the industry.
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When you need Professional Liability Insurance and the lowest Insurance Quotes in New York, NY, call Lehman Insurance! We can provide you with everything from Construction Insurance to Restaurant Insurance. Call today! PH: 800-339-6415 www.elocalprofiles.com Insurance Quotes, Professional Liability Insurance, Commercial Insurance, Property Insurance, Business Insurance, Construction Insurance, Contractors Insurance, Restaurant Insurance, Malpractice Insurance, Liability Insurance,…
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What are the average rates for small business insurances (liability)?I am starting a company and am looking to get average prices and best companies to get small business insurance. Help!
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Posted by American Car Insurance on September 3rd, 2009 filed in business insurance | 10 Comments »
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10 Responses to “Lehman Insurance – Insurance Quotes In New York, NY”
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September 3rd, 2009 at 4:30 am
The service is great!
September 3rd, 2009 at 5:04 am
You forgot to mention what your small business will be doing. The rates vary significantly between different occupations. I am sure that you already know that the rates for a small business that replaces roofs will be different than for someone who is going to open a shop selling posters.
You have to call an independent agent in your area to get an accurate premium so that you can build that expense in to your expense planning. If you will be charging an hourly rate you need an accurate figure to build in to the rate you plan on charging. If you are opening a shop you need to build in the cost of insurance as well as other expenses to calculate the mark up you will need to make a profit.
The fact is you need an accurate answer and you won't get it here. An average premium is of no value. You need to call an independent agent in your area to get an accurate estimate.
Check your Yellow Pages or go to this link to find an independent agent – http://www.iiaba.net/agentlocator/findagent.aspx
Good luck on your new business.
September 3rd, 2009 at 5:32 am
September 3rd, 2009 at 7:55 am
I am in Virginia and my husband has a mowing business. His insurance is through Cincinnati Insurance Company. For a $1million policy it runs him $300 a year. He also has his commercial mowers insured for an extra $110 per year per mower. The value of the policy on the mowers are $9k each.
September 4th, 2009 at 5:35 am
September 4th, 2009 at 5:58 pm
Actually, the opposite is true. We are in a middle of "soft market". It means insurance carriers have so much money that they write risks that they wouldn't previously consider. Workers Comp rates have gone down twice in 2007!!! Premiums are really low (Hartford's monoline GL is $350)
September 4th, 2009 at 10:44 pm
Workers comp: if you are not a corporation, the owner does not need wc coverage, but you do need it for the employees. The rate is about 19% of payroll. If you are a corporation, the owner needs it as well. GL is based either on payroll, or receipts, depending on the company you use. Most of 'em base it on payroll.
Most commercial clients won't hire you unless you have general liability and workers comp for your employees. Most residential clients don't care. If you're not a corporation, you're nuts if you have employees working for you – if one of them is killed in a car accident going from job a to job b, YOU PERSONALLY are responsible for the damages – you'll lose your house, your bank accounts, your car, and have your wages attached forever.
September 5th, 2009 at 1:23 pm
It depends on: where you are located; what your annual revenue is; how long you have been in business; if you've had any prior insurance and/or claims; is all the food you are serving local or is any of it imported?
I've written liability only policies for $650, I've written liability only policies for $65,000. Without details about your business it's impossible to be more accurate than that.
September 5th, 2009 at 2:01 pm
Your rate will normally be based on how much you make (your receipts) during the policy period. However, each company has their own set of guidelines on how much to charge. You may even get a better rate if you get a package policy – one that covers your property as well as the liability exposure. I highly suggest you contact 2 independent agents, and maybe even a couple of captive agents like a State Farm or Allstate and get a variety of options. You want to work with an agent that is knowledgeable and trustworthy to protect your business assets.
September 6th, 2009 at 1:20 pm
I have never seen an insurance company pull credit on a commercial policy. They only do on personal insurance. They may look at the financials of the business for rating purposes (gross sales, liabilities, salaries, etc) & they may also decide if they will cover you based on the length of time you have been in business. If you have been in business less than a year, this will give you more trouble finding coverage than your personal bad credit.