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I Own a Pharmacy. Do I Need a Specific Pharmacy Insurance?

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I Own a Pharmacy. Do I Need a Specific Pharmacy Insurance?

Business Insurance Quotes for Pharmacy Owners

To answer your question – yes. Yes, you do need pharmacy insurance coverage if you own a pharmacy.

The simple answer is yes – you do need pharmacy insurance coverage if you own a pharmacy.

Think about it: you’ve invested a lot of time, money, knowledge, energy, and hard work into owning your own pharmacy, especially if you are a pharmacist in addition to being a pharmacy owner. As a pharmacist, you have a heart to serve; you even took a lifetime oath to help others by taking on the concern for patient health and welfare, but who is looking out for you, your employees, and your business, other than yourself? We can help, Bray & Oakley Insurance Agency wants you to know that we appreciate what you do for our community and the people who live here. We’re here to ensure that you are covered for the unexpected times that could devastate your business or reputation. 

Is Your Pharmacy Covered?

The location of pharmacies may vary depending on whether you are located in an individual building, hospital, care facility, run a community program, or work as a consultant.

The primary responsibilities of pharmacies and pharmacists have been adapted as time moves on. Not only do you need to ensure that you dispense the proper medication and dosage to the right patient, but you may also be providing consults, advice on over-the-counter medications, purchasing drug store products, and giving vaccinations to patients as the world continues to evolve.

Keeping these in mind, the need for an expansion of coverage due to increased liabilities is ever-present. Understanding your insurance coverage and to what extent that your pharmacy and staff are covered is crucial to the future of your business and reputation.

Types of Pharmacy Coverage

The goal of a pharmacy insurance policy is to ensure that if a lawsuit is filed against your business, you are protected in the courtroom and at work. Depending on the policy, legal fees, lost wages, and time off may be covered.

Here are the top coverages that you should consider:

  • Pharmacy General Liability Insurance – this policy covers most incidents such as slip and falls, products sold, advertising exposures that your pharmacy could be liable for, damages to your physical business assets, and more.
  • Business Property Coverage – could vary, but typically covers incidents like fire damage, vandalism, and other considerable losses.
  • Equipment Breakdown Coverage – helps pay for breakdowns to electrical or computer systems, phone damages, power surges, short circuits, or operating mistakes by employees.
  • Employment Practices Liability Coverage – this type of coverage can help protect you against work-related claims by current or past employees.
  • Business Auto Insurance – coverage for a commercial vehicle that is used for prescription deliveries or pharmacy use.
  • Data Breach Coverage – covers the confidential information that is often stored in electronic files in the event of a data breach.
  • Pharmacists Professional Liability Insurance – a policy that gives you the reassurance that you are covered for the mistakes that could occur after an improper dosage was given, misprinted instruction label was printed, or a wrong medication has been dispensed.

Average Cost of Pharmacy Business Insurance

Depending on the pharmacy size, revenue, payroll, sales, experience, and other factors, there is not a set determination of how much pharmacy insurance could cost. It is best to consult an experienced independent insurance agent to better understand your needs and what you are looking to cover.

Ready for a Quote?

You’re always looking out for others, but we want to look out for you. Bray & Oakley Insurance Agency wants you to know that we appreciate what you do for our community and the people who live here. We’re here to ensure that you are covered for the unexpected times that could devastate your business or reputation.

Don’t wait until it is too late to consider reevaluating your insurance coverage. Contact us today to speak with a knowledgeable insurance agent who has your best interests in mind.

Get your pharmacy insurance quote now.

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Water Line Protection Insurance for Unexpected Incidents

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Water Line Protection Insurance for Unexpected Incidents

Why My Utility Company Needs Water and Sewer Insurance Coverage

Are you concerned that you may have leaks in your company’s current water and utility insurance policies? Are you sure that your company even has the protection needed for unexpected incidents? As a municipal entity, wastewater and sewer district, or water entity supplier, you must ensure that your company’s policy does not have gaps in it that could lead to exponential damage down the road. It’s your job to provide quality utility services to your customers; we want to make it our job to partner with you to provide the best coverage for your company and the people who work hard to keep our communities running properly.

What is Utility Insurance Coverage?

As a leader in your industry, you know that incidents happen around the area every day that can lead to confusion and mishap. What you don’t need is for those incidents to cause an even further disturbance by causing damages that can be irreversible.

Running a utility service company involves the risk of liability lawsuits due to property damage and losses due to incidents such as equipment failures and breakdowns. These mishaps are often the results of natural disasters, or something more common, like a faulty part in the system. Unfortunately, these things happen, but that doesn’t mean you can’t prepare for the worst by obtaining the best backup plan possible.

Our water utility insurance specialists at Bray & Oakley Insurance Agency are qualified to shop the top insurance carriers to meet the unique needs of your company, which could include:

  • Equipment Breakdown Coverage – if a crucial piece of equipment stops working, it can temporarily halt your utility service’s operations. This insurance policy covers repairs, maintenance, and rental equipment during such instances.
  • Public Entity Management Liability Coverage (PEML) – this insurance policy covers the losses brought on by the misconducts of duties of a public entity, such as a water utility company. These errors could include any act or omission that results in property damage or injury.
  • Pollution Liability Coverage – this policy is for utility companies who may need coverage for any backup issues with chlorine and sodium hypochlorite in water or sewage lines.
  • Supply Chain Risk Insurance Coverage – utility service companies rely on others in their supply chain. This policy helps to discover weaknesses and avoid losses by creating a contingency plan.

More Water and Sewer Line Protection Options

The Bray & Oakley team knows much more goes into a water and sewer line protection plan than what most standard utility line insurance policies cover; that’s why we strive to provide all options available to you before you make a decision.

More coverage plans to consider when determining what is needed in your utility line company’s insurance plan could include:

  • Mental Anguish Coverage
  • Per Location Aggregate Coverage
  • Failure to Supply Coverage
  • Asbestos Exception for “Portable Water” Coverage
  • No Lead Exclusion Coverage
  • Crime Coverage
  • Property Insurance
  • Commercial General Liability Insurance
  • Business Insurance
  • Commercial Auto Insurance
  • Management Liability Insurance
  • Privacy & Cyber Insurance
  • Public Officials & Management Liability Insurance
  • Excess Liability Insurance

Failure to Supply Insurance Coverage

As a reminder, if you serve in one of the following water district or water-related entities, you need to check that your company’s insurance policy is up-to-date by having an experienced independent insurance agent review your policy regularly. The following policies can help to ensure that you have the right package for your company and that you are covered to the best of your abilities:

  • Fresh Water Supply Districts (FWSD)
  • Private & Mutual Water Companies
  • Water Improvement Districts (WID)
  • Water Utilities
  • Navigation Districts (ND)
  • Irrigation Districts
  • Special Utility Districts (SID)
  • Drainage & Ditch Districts
  • River Authorities (RA)
  • Reclamation Districts
  • Natural Resource Districts (NRD)
  • Municipal Utility Districts (MUD)
  • Water Treatment Districts
  • Levee Districts
  • Sewage Districts
  • Water Control or Improvement Districts (WCID)
  • Metro Districts
  • Groundwater Conservation Districts

Need Guidance on Water & Sewer Insurance?

You’re there for so many, let us be here for you! If you provide services in the State of West Virginia or the State of Kentucky, contact our team here at Bray & Oakley Insurance Agency for a policy review and quote now.

Get a Quote Now

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What Types of Insurance Are Necessary for a Restaurant?

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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]