downtown logan business scene

What Types of Insurance Are Necessary for a Restaurant?

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downtown logan business scene

What Types of Insurance Are Necessary for a Restaurant?

5 Things Restaurant Owners Need to Consider Right Now

As a restaurant owner, you know how to decipher your choices – the best chef or cook to hire, the amount of staff that you need, and the quality ingredients that go into your dishes. You also recognize the decisions that your customers make.

First, they choose to come to your restaurant, then they decide on what to order, and afterward, whether to leave you an online review and make plans to revisit your restaurant or to never eat at your establishment again. All of these decisions may seem minor to you since you are making them frequently, but they can significantly impact your life, the lives of your employees, your customers, and the overall success of your restaurant. These are all great to remember when things are going right, but what about when things aren’t going quite as you had planned? What’s your backup plan?

That’s where your restaurant insurance policy comes in.

What is Restaurant Insurance?

In the past year, no business, let alone, person, has not been impacted by what is happening in our world. If you were fortunate enough to keep your restaurant open and were able to get back on your feet, you fought hard to get here. Such uncertainties often cause us all to be more cautious about the future and wind up looking for a cushion to land on for those “just-in-case” times. While this is smart, we here at Bray & Oakley Insurance Agency also want you to feel confident in your decisions and not constantly worry about how you are protected or even IF you are protected. We’re here to set your mind at ease, cover what is important to you, and prepare you for uncertain times.

So, what is restaurant insurance, and do you need it?

The answer is YES.

Are Restaurants Required to Have Insurance?

Most restaurants and businesses that serve food or drinks need food liability insurance due to you and your employees carrying a food handler’s permit to serve food and/or beverages.

Types of Businesses in Need of Restaurant Insurance

  • Sit-Down or Full-Service Restaurants
  • Fast Food Restaurants
  • Diners, Cafés, or Coffee Shops
  • Ice Cream Shops
  • Fine Dining Establishments
  • Caterers
  • Food Trucks or Food Trailers
  • Cafeterias
  • Pizza Shops
  • Bars & Grills
  • Beaneries
  • Carry-Out Restaurants
  • Concession Stands
  • Drive-In Restaurants
  • Bagel Shops
  • Supermarkets & Grocery Stores
  • Farmers Markets
  • Pubs & Taverns
  • Wineries & Breweries
  • Beer Distributors
  • Bakeries
  • Delis
  • Nightclubs
  • Liquor Stores

Why You Need Restaurant Insurance

Owning a restaurant involves a lot of risk-taking. Liability risks can arise without a moment’s notice, and situations can get tricky fast. You’ve worked hard to build your restaurant from the ground up; restaurant insurance helps to ensure that you keep moving it forward. You can prepare for problems, and you should, but other times, it’s the unexpected incidents that can throw your plan off track. Every restaurant owner should be able to have a plan that is as unique as their business; no one knows your business like you do, but we do know that helping you protect it will give you even more opportunities to grow.

Common Restaurant Insurance Policies

  • General Restaurant Insurance Coverage – covers property and liability damages based on your restaurant’s potential incidents like workplace harassment, injury, water contamination, or customer intoxication.
  • Workers Compensation Insurance – protects employees while working on your restaurant premises and covers work-related injuries, accidents, and deaths.
  • Product Liability Insurance – this type of insurance protects your restaurant from claim and lawsuit expenses if and when the food you serve is found to be the source of a food-borne illness and causes customer(s) to become ill.
  • Building Insurance – compensation for damages to the building structure of your restaurant.
  • Equipment Breakdown Insurance – if a freezer, dishwasher, air conditioner, oven, stove, or other piece of restaurant equipment stops working, it can cause a loss in revenue to your restaurant. This type of insurance helps you to ensure that you can get the equipment up and running again.
  • Loss of Income Insurance – helps you to stay afloat until the doors to your restaurant reopen again.
  • General Liability Insurance – poorly kept parking lots, objects that cause someone to trip and fall, or other incidents can lead to medical and legal bills. This policy protects you if a customer or employee is injured on your property.
  • Liquor Liability Insurance – if your business serves alcohol, this policy protects you from the damages that an intoxicated customer may cause to your property or another person.
  • Cyber Liability Insurance – helps to cover a restaurant in the event of a data breach or cyber attack.

Of course, other incidents could occur with owning a restaurant, so you need to consider all policy options before deciding on what to choose.

Other Restaurant Insurance Policies

  • Commercial Auto Insurance
  • Unemployment Insurance
  • Business Owners Insurance
  • Commercial Umbrella Insurance
  • Life Insurance
  • Flood Insurance

Don’t worry – you won’t be making the decision alone.

An experienced Bray & Oakley Insurance agent will shop around for the best packages and policies that fit your specific establishment. These agents have industry knowledge on what you should be looking for in an insurance policy and will find coverage that best suits your needs and concerns.

How Much is Restaurant Insurance Per Month?

General Liability Insurance coverage can range based on the size, location, revenue, sales, and needs of the restaurant, just like any other business, so it will depend on what you are looking for and what you really should be covered for in those unexpected times. Your insurance package will be tailored to your business, not the other way around, so you’ll never have to fit what you need or want into a box.

How Can I Get Restaurant Insurance for My Business?

Like you, it’s our pleasure to serve others; our customers are our number one concern. The team here at Bray & Oakley continuously strives to offer the best restaurant insurance policies available to give you the coverages you need and the peace of mind you are after.

Even if you already have a restaurant insurance policy, we’d be happy to look at it and do what we can to ensure that you are getting the best coverage possible. We continuously shop around for our customers and would love to welcome you into the Bray & Oakley family.

Ready to Get Started?

Contact us today to get a quote for your restaurant![/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

How to Shop for Car Insurance: Know the Insurance Policy Terms

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How to Shop for Car Insurance: Know the Insurance Policy Terms

Easily Understand Auto Insurance with These Common Policy Terms

As the driver of a vehicle, you know that accidents, damages, theft, and other unexpected events can happen. In most states, car insurance is necessary to adequately protect you as the driver, the passengers that may be traveling with you, your vehicle, and other vehicles and individuals.

Reviewing your auto insurance policy upon renewal is essential, especially if there has been a change in the number of drivers, passengers, or vehicles that may need to be covered on your policy.

Auto Insurance Terminology That You Should Know in 2021

It’s important to know who and what is covered when it comes to your auto insurance coverage or are shopping for car insurance coverage. An insurance agency can help you determine what insurance companies may best cover your needs and provide car insurance quotes to you. Still, it is beneficial to know what exactly you are looking for before having the discussion.

We’ve put together the most frequently used car insurance terminology below for you to better understand what your policy covers in the event of an incident. This terminology will help you know what is covered, along with what may need to be brought to your attention to update your current policy or obtain an auto insurance policy. 

Though it’s common not to want to think about using an auto insurance policy, accidents do happen, as do thefts and damages to our vehicles. That’s why it is always necessary to have sufficient coverage and to know what your policy actually covers. Plus, it is required by law in most states.

At-Fault Accident

An at-fault accident is an auto collision that is either caused or partially caused by you. In this instance, your insurance provider will pay for the damages and/or injuries of those involved to you, your passengers, or the other driver and passengers that were involved up to the maximum amount under your policy liability limits.

Collision Coverage

Under collision coverage, you are insured up to the value of your vehicle, damages, and the cost of repair to your car that has occurred in a one-car accident incident. This type of insurance coverage is often required by car loan lenders as well.

Comprehensive Insurance Coverage

Comprehensive insurance coverage covers the repair of damages to your vehicle from factors other than an auto collision. These damages could include fire, theft, falling objects, collision with animals, and more.

Declarations Page

The declarations page of your car insurance policy lists all the essential details of your policy. These items could include your vehicle’s VIN number, your contact information, individuals covered under your insurance policy, your policy limits, included coverages, and more.

Exclusion

An exclusion is something that your auto insurance policy will not cover.

Full Coverage Car Insurance

A full coverage car insurance policy includes liability insurance, collision coverage, and comprehensive coverage. It is essential to know the difference between liability coverage and full coverage to better understand what your policy actually covers. Liability coverage protects against damage that you caused to other people and property while on the road; full coverage is insurance for any damage that has occurred to your vehicle.

Gap Insurance

Gap insurance coverage will cover the difference between your current car loan balance and the dollar value of your car if it is totaled or stolen when the loan balance is higher.

Insured & Additional Insured

An insured is an individual who is a family member of the policyholder included under the auto insurance policy. These individuals are often listed in the family auto insurance as additional insureds or lessors of the vehicle.

Liability Insurance

Liability insurance pays for the hospital and medical bills and property damage of those involved in a car accident that you caused. This insurance coverage also covers legal bills if you are sued as a result of the collision. Liability limits are determined in three numbers; as an example, we’ll say 100/200/50, which is a maximum of $100,000 for each injured individual under the bodily injury policy, a maximum of $200,000 in coverages for each accident, and a maximum of $50,000 in property damages. Remember, the limits depend on your policy and the state in which you live.

Liability Limit

The liability limit is the maximum amount that is payable under each coverage item. Auto insurance liability limits often contain limits for bodily injury and property damage. As an example, 30/50/15 is a maximum of $30,000 bodily injury per person, a maximum of $50,000 bodily injury per accident, and a maximum of $15,000 of property damage limits.

Non-Standard Auto Insurance

Non-standard auto insurance is a particular type of auto insurance for high-risk drivers. Drivers who need non-standard auto insurance are individuals with a history of prior accidents, speeding tickets, or are new drivers.

Personal Injury Protection (PIP)

Personal injury protection (PIP) is coverage from your insurance provider that will pay for hospital, medical, and/or funeral expenses due to a collision, regardless of who is at fault. It could also cover the cost of your passengers, depending on the insurance provider.

Premium

A premium is an amount you pay for your insurance coverage. Premiums can be paid monthly, bi-annually, or annually, depending on your policy.

Primary Owner/Insured

The primary owner, or the insured, is the main driver on the car insurance policy and is also the vehicle owner.

Underinsured Motorist Coverage

Underinsured motorist coverage protects you if you have been injured in a collision with another vehicle whose liability coverage is not enough to pay for the damages. This policy may pay for lost wages, hospital and medical bills, pain and suffering, and property damage.

Uninsured Motorist Coverage

Uninsured motorist coverage can cover hospital and medical bills, lost wages, pain and suffering, and damages to your vehicle if the other driver is uninsured.

What Determines the Price of an Auto Insurance Policy?

Before you shop for car insurance, you need to understand what coverages you need. Getting involved in a car accident can result in being injured, the injury of someone else, damages to your property, or damages to the property of others, so these unforeseen circumstances should not be taken lightly.

Your driving history, along with the coverages that you require, helps to determine the price of your auto insurance policy, but you don’t have to go through it alone. 

Here at Bray & Oakley, an experienced car insurance agent will guide you on your search for the perfect auto insurance policy by providing car insurance quotes and shopping the best auto insurance companies. 

Whether you’re looking for a new full coverage auto insurance policy or your driving record is less than perfect, Bray & Oakley is here for you!

Need a Car Insurance Quote?

Ready to find out more about your car insurance options and how you can save money? 

Bray & Oakley is a full-service independent agency offering automobile, home, business, health, and life insurance coverage. We have served the Logan, West Virginia area since 1920 and Kentucky since 2014.

Contact Bray & Oakley today to get a car insurance quote right now.

General Liability Insurance for Small Businesses

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General Liability Insurance for Small Businesses

Commercial Insurance for Business Owners in West Virginia and Kentucky

As a small business owner, you make hundreds of decisions daily that affect the people around you. One of those decisions today could be to reevaluate your business insurance, often referred to as commercial insurance, to ensure that you are getting the best coverage possible for you and your small business.

Why Do I Need Business Insurance?

Having strong coverage is crucial to the success of any small business, including yours; it protects you as the business owner with a blanket of protection against issues that may arise. Essentially, business insurance is a general liability insurance policy.

Have you considered looking into your business coverage lately? There has never been a better time than now to revisit your business insurance plan and adapt your coverage where needed. Consider these frequent instances where many small business owners have realized they could have used the added protection of business insurance coverage.

Your Business Has Had a Shift in Staff

If your employee turnover has increased or you are hiring more employees than ever before, you want to have the added security that commercial insurance can offer. If you employ over 50 full-time employees, you must offer your staff health insurance and other benefits like retirement.

Plus, worker’s compensation benefits and general liability insurance are necessities that you should not overlook; you don’t want to be left scrambling for a solution if an employee gets hurt on your watch.

The Amount of Commercial Vehicle Use Has Changed

Don’t forget – an increase in employees may mean an increase in commercial vehicle use! Whether that is adding more mileage to your current vehicles or increasing your commercial vehicle inventory to accommodate the added employees, you need a policy that reflects these changes to cover business use.

Trust us; you do not want an accident to happen during business operations only to find that a personal auto insurance policy may not protect you or the individuals involved.

You’ve Made Updates to Your Products or Services

Changing up your products or services can be a great thing, but if these items stray from your original business plan, it may be time to go ahead and make some adjustments to your business insurance policy. Remember, this applies to products or services that you have either added or taken away as well.

Your Business is Booming or Has Taken a Hit

Unexpected changes in business traffic can be stressful; your company decisions often depend on revenue, payroll, and the profit that you may or may not be making as a small business. If your business is booming and you are making adjustments to accommodate these increases, as we discussed above, you need to review your commercial insurance policy immediately.

Suppose you are vice versa, and your business has taken a hit or is slowing down to prepare for the off-season. In that case, you also need to reevaluate your business insurance policy to ensure that you are covered for these downtimes and that you are getting the right amount of coverage to assist you.

The Number of Assets Has Been Adjusted

Have you increased the number of assets for your business? These could be a multitude of items: land, materials, technology, vehicles, buildings, and more.

You need to act now to ensure that these business valuables are covered for multiple instances such as theft and damages; otherwise, if you consider adding to your commercial insurance policy after an incident has already occurred, it could be too late.

How Much is Business Insurance?

Insurance companies base your coverage and premiums off of your business operations. If your company has taken on more risk, you need to let your insurance agent know during the reevaluation process to help determine your adjusted policy.

It can be challenging to understand how much commercial insurance will cost you without the guidance of a skilled independent insurance agent. Gathering documentation to reflect any changes in your business is essential in finding the best policy fit for you.

Whether your policy is up for renewal, or you’re ready to take another look at your coverage to make sure that they are up-to-date, be sure to provide as much information as possible to your insurance agent and to read the fine print of your policy in detail to understand how and where you will be covered fully.

How Do I Get Small Business Insurance Coverage?

General liability insurance is critical when it comes to ensuring that your business needs are covered. As a small business owner, you know how crucial it is to make decisions that are not only good for you but great for your business and your employees. Plus, nothing beats the peace of mind you get in the long run to make the necessary choices that give you extra padding.

Remember, if your business is undergoing or has undergone a change, you need to revisit your business insurance policy as soon as possible to avoid the repercussions of doing so when it is too late.

If you are a small business owner and have never considered general liability insurance for your business or are starting your entrepreneurial journey. In that case, it’s time to consider where some extra cushion could be added to protect you and your business now and in the future.

I’m Ready to Review My Coverage!

Contact us here at Bray & Oakley Insurance Agency for guidance and keep your policy up to date as you continue to run your small business or embark on your small business journey. We’re here to help! 

We are a full-service independent agency offering automobile, home, business, health, and life insurance coverage. We have served the Logan, West Virginia area since 1920 and Kentucky since 2014.

Get in touch with an agent now.

6 Tips on How to Shop for Home Insurance in 2021

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6 Tips on How to Shop for Home Insurance in 2021

6 Tips from Insurance Experts for Comparing Home Insurance Quotes in West Virginia and Kentucky

Are you in the market for purchasing a new home? Maybe you are already a homeowner looking for a home insurance policy that better suits your needs. Whether you’re looking for a quote in West Virginia or Kentucky, take a look at these top six tips from local insurance experts that will help you find the best homeowners insurance policy for you.

Figure Out What You Need in Your Homeowners Insurance Policy

A home insurance policy provides the primary coverage needed to protect different parts of your home like dwelling spaces, additional structures, and even your personal belongings. Sometimes, a policy can cover legal fees if you have a lawsuit regarding your home, temporary relocation, or a guest injured on your property. Though these coverages are often standard, you still need to determine how much coverage is necessary for each. You can do this by identifying your most significant risks; for example, if you own firearms or jewelry that you keep inside your home, you need to be sure that your policy sub-limits cover the items in the event of theft or damages. Many insurance carriers will only cover the items up to a certain amount, so you do not want to overlook these significant parts of your coverage.

Other items to consider could be a swimming pool, trampoline, or outdoor equipment that could be damaged, stolen, or cause injury to someone on your personal property. In such cases, adding personal liability coverage to your home insurance policy could be beneficial.

Understand The Current Coverage You Need

If you’re shopping for homeowners insurance coverage to replace an existing policy, don’t shop without fully understanding that policy and keep it close by for comparison; you won’t know if the policies that other insurance companies are offering to you are better or worse than your current one without comparing and obtaining insurance quotes. Specific characteristics can have a significant impact on the cost and coverage of a new policy, so be sure to look at:

  • Limits: Ensure that premiums are based on similar coverage limits; you don’t want to be left thinking that you’re getting a great deal, only to find out that you’re obtaining less coverage.
  • Deductibles: Increasing your deductible, or the amount you owe in an insurance claim, can usually lower your premium.
  • Personal Belonging Sub-Limits: Insurers place sub-limits on valuables like jewelry and firearms so that they only have to pay a certain amount. Sub-limits can vary depending on the insurance provider, so you need to compare policies with similar caps.

When comparing quotes, make sure you’re not assuming that a cheaper policy is a better deal. A more affordable policy may save you a few bucks, but in the long run, you’re actually exposing yourself to potentially considerable out-of-pocket costs.

Keep a Documentation Folder

To get a quote with Bray & Oakley, you need your physical address and a couple of extra details about your personal property. 

You may also need:

  • A home inspection, and
  • A security certificate if you have a smart home security system.

When gathering this information, you might as well review it. Take note of any issues you are having with your home and identify if your inspection report mentions them. A great example is having problems with your plumbing system, which could mean that you need additional coverage for sewer backup protection to avoid further damages.

Track the Worth of Your Personal Belongings

As mentioned, many homeowners insurance policies cover your property based on your dwelling coverage. Still, you need to know how much your personal belongings stored within your home are worth. For example, if your personal property’s replacement cost coverage is around $200,000, your personal belongings may be covered at a percentage of your guaranteed replacement cost, depending on the default percentage you choose.

However, this default coverage may or may not be enough for you, so conducting a rough inventory of your valuables is ideal. Consider firearms, jewelry, appliances, electronics, furniture, decorations, clothing, and equipment. The more detailed you are, the better.

Consider Your Flood Risk

Many areas in West Virginia and Kentucky are often prone to flooding. Standard homeowners insurance policies will not cover floods and damages caused by floods, so you usually need to take the extra step to address this considerable risk and look into added flood insurance coverage. Ask your insurance agent for more details.

Look for Insurance Companies That Offer Discounts

Insurance companies sometimes offer rewards to homeowners for behaviors that make their homes more attractive to insure. In West Virginia and Kentucky, you may get discounts if:

  • Your house has smart home safety and security devices,
  • You have water leak detection and mitigation devices in your home,
  • You are a new homebuyer,
  • You live in a gated community,
  • You haven’t filed any insurance claims, or
  • You opt for an electronic policy.

Keep these in mind when you are looking into your next homeowners insurance policy.

How Much is Home Insurance?

Need a quote? Bray & Oakley wants to help you save as much money as possible and will do whatever we can to find you savings and the best policy that is right for you and your loved ones.

We are a full-service independent agency offering automobile, home, business, health, and life insurance coverage. We have served the Logan, West Virginia area since 1920 and Kentucky since 2014.

Apply online for a fast and free quote today!

Continues Growth

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The agency has continued to grow and prosper and add branch offices, with the first being in Lexington, KY in 2014, followed by Pikeville, KY in 2016, Richmond, KY in 2017, and Chapmanville, WV in 2019.

Frank H. Oakley Retires and Clinton Winter Becomes President.

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In 2002, Frank H. Oakley retired, and Clinton Winter became president. In 1999, Clinton Winter brought in his son, Michael P. Winter, who is the vice president.

Albert Bray Retires and Clinton Winter Became Vice President.

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Albert Bray retired as the president in 1979. Frank H. Oakley then became president, and Clinton Winter vice president.

Albert Bray of the Claypool & McGuire Insurance Agency Merges with Frank H. Oakley

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After Robert August passed away, the Claypool & McGuire Insurance Agency continued under Albert Bray and Robert L. Copley’s leadership. In 1961, Albert Bray of the August & Bray Insurance Agency merged with Frank H. Oakley of the H.H. Oakley Insurance Agency and became Bray & Oakley Insurance Agency, Inc.

H.H. Oakley Agency forms

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Meanwhile, the H.H. Oakley Agency was formed in 1935 by our original incorporator Harold H. Oakley. He then brought in his son Frank H. Oakley, who later was very instrumental in merging our present-day Bray & Oakley.

August & Bray Insurance Agency Forms

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In the middle of the 1920’s Robert M. August acquired the agency and hired A.B.C. Bray, Jr. They later became partners and formed August & Bray Insurance Agency.