Restaurant Insurance – Your Business Is A Niche Within a Niche

In my last blog I addressed the fact that as a restaurant owner, you owe it to yourself and your business to do a bit of research to be sure that you are dealing with a specialist. And the beauty of that is that you will often be able to hire that specialist for less money that you will spend if you let an agent who doesn’t specialize in restaurant insurance do the work for you. This week, I want to look at specialization in a more drilled down fashion. In this case I want to take a look at the specialization of the restaurant insurance policy or program itself.

It is clear to even the most casual observer that not all restaurants are created equal. In fact, that’s what so many of us love about eating out, we have many different choices to suit out time constraints, our moods, or even the level of impression we want to make on our dining partners. And as a restaurant owner, you work hard to play to your niche market, to give them exactly what they are looking for when they visit your establishment. So it should go with your restaurant insurance policy.

One trend in insurance over the years has been to consolidate all of the different types of coverages and protections into one big, packaged up, policy. This has made selling the policy a bit easier for the less sophisticated agent, I mean when you throw in everything but the kitchen sink, what’s not to like? But the truth is that there are costs associated with all of these add on coverages, and if you need them, then this package concept is great, you are spreading the costs of what you need across many different businesses that are purchasing protections in the package that they don’t need and will never use. But, look at it from the other direction and you don’t want to be the business that is buying things you don’t need and as such, subsidizing other businesses that do need those coverages.

This is why, beyond needing an agent who specializes in restaurants, you need one with a program that specializes in your specific type of restaurant. If you are running a fast food restaurant, you may not need a built in $25,000 limit for fine arts coverage that a fine dining restaurant might need. And if you are running a catering operation, will you need $25,000 of built in employee dishonesty protection that might be something a restaurant that handles lots of cash receipts might need? The examples here are seemingly limitless but the important point is that you should watch your policy carefully for add on coverages that you might never need but that you are paying for in your package. Likewise, you want to be sure as well that the types of protections that you do need are available and available in the limits that you need. A built in $5000 of spoilage coverage might be far too much for one restaurant and not near enough for another.

Take the time to look at the add in coverages that are on your current restaurant insurance policy and make sure you understand how each of them works, and be sure that the limit of coverage is the right amount for you.

At Clinard Insurance Group, located in Winston Salem, NC, we are a restaurant insurance specialist. We insure many different kinds of restaurants all across North Carolina and South Carolina. If we can help you with your restaurant insurance questions, please call us, toll free, at 877-687-7557 or visit us on the web at www.TheRestaurantInsuranceStore.com. Remember, we have specialized insurance programs for 5 different kinds of restaurants. Check the list below and click on the links to see our specific niche within a niche restaurant insurance programs.

Fine Dining Restaurant Insurance

Casual Dining Restaurant Insurance

Fast Food Restaurant Insurance

Bar and Grill and Tavern Insurance

Catering Company Insurance

The source information for this blog can be found in full at the blog located at http://www.restaurantinsuranceguy.com/.

Restaurant Insurance – Your Promotions And Your Restaurant Insurance Policy

In the restaurant business, the name of the game is getting customers to enter your doors and open their wallets. Restaurant owners are very savvy in this regard and there are many creative approaches to promoting used by different owners to increase their business and their profile in the community. One of the great things about running a restaurant, is the freedom that you have, as a business owner, to dream up and implement promotions for your establishment. But when you are coming up with ideas, don’t forget to consider the insurance angle.

There is really no limit, beyond what you can dream up, to what you can offer your clients to get them in the door spending money with you. I suppose if you can get it by the health department, you could have dwarf bowling, or keg midgets or even goat dancing contests if you thought it would help you increase sales. But don’t make the mistake of planning these promotions without considering the impact they may have on your restaurant insurance program. You don’t want to find out at renewal, or worse yet, after a large loss or accident, that what you were doing conflicts with your insurance plan or causes the insurance company to regard you as a higher risk.

Let’s take a quick look at some of the more common promotions and how they might affect your restaurant insurance policy. One of the most common is drink promotions. There are happy hours, ladies nights, half price drink nights and drink specials. Each of these can be a successful way to increase your sales but it is important to keep an eye on the ratio of liquor sales to food sales. There is a tipping point, beyond which your restaurant begins to look more like a bar to the insurance company and this can drive up the price of your liquor liability insurance or worse yet, can cause you to fall out of a preferred restaurant program, into one for higher risk establishments at a significant increase in premiums. That may be ok if you gain enough revenue to overcome the additional insurance costs, but you shouldn’t go into a promotion flying blind on the insurance impact.

Another revenue enhancer that we see establishments trying is adding delivery services for their customers. There are auto insurance and some workers compensation implications here that should be considered before you make these changes to your restaurant. These include impacts on your protection and coverage as well as on your rates.

We also see restaurants staying open a bit later and essentially turning their establishment into a bar after they stop serving food. Often they add a dance floor and DJ or have other live entertainment. These changes will all have large impacts on your restaurant insurance program and it is best if you bring in your agent for consultation and advice on the front end of these decisions. If you move forward without notifying your agent, you will lose the opportunity to factor in these changes in your overall return on investment for this plan, and you may find yourself in a position where you could even have trouble obtaining insurance protection at any price.

Restaurant insurance is a unique and tricky kind of policy and there is no doubt that you need a restaurant insurance specialist helping you with your insurance program. If you have the right agent and can form a partnership with your agent in helping you plan for the insurance impact of any major changes or promotions that you plan to implement, you will have a better big picture view on the true costs of your promotion or changes.

At Clinard Insurance Group, located in Winston Salem, NC, we specialize in restaurants and we understand them. I have owned 4 restaurants in my lifetime so I know what restaurant owners struggle with day to day. I also know that not every restaurant has the same insurance needs so I developed 5 specialized insurance programs for the 5 broad categories of restaurants. I have a specialized program for catering companies, a bar and grill and tavern insurance program, a fast food restaurant insurance program, a fine dining restaurant insurance program and a casual dining restaurant insurance program. If you need help with your restaurant insurance, please feel free to call me, at 877-687-7557 or visit my web page online at www.TheRestaurantInsuranceStore.com.

The source information for this blog can be found in full at the blog located at http://www.restaurantinsuranceguy.com/.

Restaurant Insurance – Part 10 Liquor Liability

This is the final installment of our 10 part series on buying restaurant insurance for NC and SC restaurants. This installment covers the often overlooked but almost always needed protection for liquor liability. Now if your restaurant doesn’t sell any alcohol, then you will not need to purchase this protection. But if you do sell alcohol, then this is a coverage that you can’t afford to do without. Skipping this protection could force you to sell your restaurant and lose most of what you have worked for all of your life. Yeah, it’s that important.

Liquor liability protects your restaurant against 3^rd party claims for those injured by an inebriated person who consumed some or all of their alcohol at your restaurant prior to the loss. The loss most often comes in the form of a car accident. Hold on you say, you would never serve someone who is drunk, or let a drunk leave your bar with his car keys in hand. But the liability issue doesn’t work that way. Here’s a real world example. One of our clients had a claim several years ago that cost their insurance company over $750,000 and that was less than 1/3 of the total damages. You see, they had served a customer a couple of drinks with dinner. This customer left their restaurant about 8:30 pm and then visited two bars before finally killing another person in an auto accident around 2 am. This customer was not drunk when he left our client’s restaurant, but because they had served him alcohol, our client was dragged into the lawsuit and forced to defend themselves and ultimately forced to share in the damages.

Hopefully now I have your attention and you understand how important it is to have this protection. Now let’s talk about buying this coverage. There are two ways liquor liability insurance is sold. One is as a standalone policy and the other is ad an add on to your businessowners or package policy for your restaurant. Stand alone policies are generally more expensive and are most often used for true bars and night clubs as opposed to restaurants. If you own a restaurant and your liquor liability is a standalone policy, then this should be an immediate red flag that you need to evaluate your current policy and your insurance agent as you may not be using a true restaurant insurance specialist.

Rates for liquor liability vary widely from one insurance company to the next and also from one program to the next offered by the same company. There are several factors that can drive your liquor liability rate. First of all is the ratio of alcohol sales to food sales. Get this ratio above 30% and you are going to start falling out of the most preferred rate plans. Get above 50% and you may find yourself kicked out of the businessowners add on coverage and be forced to purchase a standalone liquor liability policy. Another factor is the type of alcohol that you sell in your establishment. If you sell only beer and wine and no hard liquor, then you should have a reduced rate. If you are selling no hard liquor at all, then you need to check with your agent to be sure that he or she knows this and that this is reflected in your rate. Past claims will also play a big part in what rate you pay and whether or not you are able to add this protection to your businessowners policy or if you have to purchase a standalone policy. The last factor that can impact your rate is the type of safety training and safety programs that you are running in your restaurant to help prevent a liquor liability claim from happening.

One last tip that should be mentioned relates to bar and grill and tavern type restaurants. Often these types of restaurants are discriminated against in their liquor liability rate and get classified as night clubs. This is often unfair and you should know that there are a few programs out there that recognize this and have special rates for bar and grill type establishments that don’t treat them as night clubs. For more information on the bar and grill liquor liability issue, please read my blog on this topic by clicking here.

At Clinard Insurance Group, in Winston Salem, NC, we specialize in helping restaurant owners with their insurance needs. We understand the importance of using an insurance specialist for your industry and we work hard to fill that need for our clients. Our specialty with restaurant owners is so broad that we can usually help you with every type of policy that you buy for your business and for your family, including your family auto insurance, your home insurance and your life insurance and retirement planning. We also understand that not all restaurants have the same insurance needs and as such we have developed 5 different restaurant insurance programs so that you aren’t subsidizing add on coverages that you don’t need. We have a fine dining restaurant insurance program, a casual dining restaurant insurance program, a fast food restaurant insurance program, a bar and grill and taveren insurance program and a special insurance program for catering companies. If we can help you with your restaurant insurance in either North Carolina or South Carolina, please feel free to call us, toll free, at 877-687-7557 or visit us on the web at www.TheRestaurantStore.com.

The source information for this article was pulled from other articles which can be found in their entirety at www.RetaurantInsuranceGuy.com.

Restaurant Insurance Basics - Part 1 Property Insurance

This article is the first in a 10 part series that will cover the basics of insuring your restaurant. Our goal here is to give you a bird’s eye view of the options and issues that you, as the restaurant owner, should consider as you go about evaluating your current insurance coverage or as you tackle the job of insuring your restaurant for the first time. Part 1 covers the property insurance needs that you will have.

Let’s start by touching on basics of the property that you need to insure. Some of this is obvious and some of it less so. The most obvious items here are the building, if you own it or are responsible for insuring it, and the contents in the building such as tools, equipment, inventory, dishes, tables etc. There are also a few less obvious property items to insure. The first of these would apply to restaurants who don’t need building coverage but who have invested in fixtures and remodeling that is permanently attached to the building. For these items you need tenant’s betterments and improvements coverage. Bear in mind that this coverage is added at the building insurance rate but will only apply to items that you actually did pay to install. If your lease requires you to insure the air conditioners on the roof but you didn’t actually pay to install them in the first place, your tenant’s improvements and betterments coverage will not help you out if they are hit by lightning and destroyed.

This brings me to another issue that is often overlooked by restaurant owners. It is very important that you take the time to read your lease carefully to see just what you are agreeing to in terms of insurance requirements. You may be required to insure things that don’t belong to you and this may force some extra work and research on your part as you set up your property insurance coverage. For more detailed help on this, read my blog about leases and their impact on restaurant owners’ insurance policies.

One of the sub categories of property coverage deals with the valuation of the items that you are covering. In general, there are 2 choices of valuations, actual cash value and replacement cost. Actual cash value is defines as replacement cost coverage minus depreciation. Replacement cost coverage is the cost that it will take to replace that item with a new one at the time of loss. Most policies are written on a replacement cost basis and in general that is what I would recommend. But there are some situations, for instance with older buildings, when you may want to consider using actual cash value as your valuation method. For more detailed information on this situation, read my blog here.

The valuation decision is an important one in that it will help you decide how much insurance to buy for the building and contents and betterments. You should always insure for the full value (either replacement value of actual cash value) of the item or items you are insuring. That is because most policy will have a coinsurance clause. Coinsurance is the tool that insurance companies use to make sure all of the policyholders carry full value. The reason that is important to them is that most losses are partial losses and some people would prefer to reduce their insurance costs by insuring for only part of the value of their assets. If this were to happen, then those who insure for full value would be heavily subsidizing those that purchased partial insurance. To remedy this problem, most all property insurance policies have a coinsurance clause. This clause imposes a penalty at the time of loss on those who did not carry full value insurance. The coinsurance clause is a bit complicated but important to understand so please read my blog about coinsurance here.

The last consideration that this article will cover regarding your restaurant insurance property coverage is your deductible. Your deductible is the amount of money that you will spend in the event of a loss, before the insurance money kicks in. Since insurance is best used for large, catastrophic losses, it is generally felt that you should carry the highest deductible you can comfortably pay without a huge disruption to your cash flow. Always evaluate the deductible you choose against the savings it provides on your insurance policy costs. You can evaluate it by considering how many years you would have to go without a loss to break even on the additional deductible costs versus the amount you are saving by moving up to that deductible level. But remember, when it comes to restaurant insurance, your deductible will apply to each and every loss all over again. This is not like health insurance which generally has a per year deductible.

Taking the time to evaluate all of your property exposures and carrying full value replacement cost protection on them will pay off in spades should you ever experience a property loss to your restaurant. Understanding your lease requirements and evaluating your deductible value will help you make sure you have the appropriate coverage and can afford the policy and the loss should it happen. In part 2 of this series we will take the time to study liability insurance and its implications for the restaurant owner.

At Clinard Insurance Group in Winston Salem, NC, we work hard to help insurance consumers become better informed buyers. We specialize in helping restaurants all across North Carolina and South Carolina with their restaurant insurance. We understand that not all restaurants are the same so we have designed 5 different restaurant insurance programs so that you can have a program more tailored to your needs. We have a fine dining insurance program, a casual dining restaurant insurance program, a fast food insurance program, a bar and grill and tavern insurance program and a special insurance program for caterers. If you need help or advice for your NC restaurant or your SC restaurant, please call us, toll free, at 877-687-7557 or visit us on the web at www.TheRestaurantInsuranceStore.com. Don’t trust your livelihood to an agent that doesn’t specialize in restaurants. There is just no need to take that risk.

The source information for this article was pulled from other articles which can be found at www.RestaurantInsuranceGuy.com

Restaurant Insurance Guy Tip – Manage Those Reviews

Most of my blog postings here are designed to help you navigate the ins and outs of your restaurant insurance program. And inherent in that plan is the concept of managing risks. But there is one risk out there that insurance cannot manage for you and you need to take proactive steps to protect yourself right away. If done right, this form of risk management can turn a big risk into a huge reward.

I’m talking about Google reviews. You should know by now that your customers and even your competitors can hurt or help you with the reviews of your restaurant that they post on Google. So you must begin the management process by making it a point to read those reviews regularly. You must know what your clients are saying about you and you must address the negatives in the way you manage your restaurant.

The quickest way to see your reviews is to type in the name of your restaurant , followed by your city name and state in a Google search. Then find the Google maps page link and read the reviews. If no reviews are posted, then you are working with a blank slate. That’s a good thing. Think of Google reviews as search engine gold. The more of these that you have, the higher your ranking with Google and the easier it will be for your clients to find you amid all the internet clutter of competing restaurants.

Now, the next step is to stuff the review box full of positive reviews. You might be tempted to open up a bunch of different Google accounts and do your own reviews. Don’t fall for this. When Google catches you at this game the punishment will be severe and quick. You will probably see your search engine rank drop off the face of the map pretty quickly. Rather, put in place a way to ask for these reviews from your clients that love you, your friends and family and your customers who tell you something good about your restaurant. Make sure that all of your employees have a system for asking for these reviews from customers who tell them how much they enjoyed your restaurant. Once you have set up this plan you need to make sure everyone is on the same page for getting it implemented and you must follow up to check to see that the reviews are being posted.

Now you probably think of your current insurance agent as the guy who sells you a policy and hopefully gives you advice about what policies you should buy. But is your agent taking the time to help you understand what you need to know to survive and prosper in the new digital age? What is your agent doing for you to directly increase revenue and sales opportunities? If you like the information in this blog, you may want to check out another feature that we offer to our clients at no charge at all. This is a coupon posting page on our web site called the Clinard Insurance Partners Program.

At Clinard Insurance Group, in Winston Salem, NC, we specialize in helping all different types of restaurants with their restaurant insurance policies. We work hard to help them become informed insurance consumers and we also know that not every restaurant is the same. We don’t want you to be put into a restaurant insurance program that lacks the special coverage your type of restaurant needs, or one that forces you to purchase coverages you will never need. To that end, we have developed 5 distinctly different restaurant insurance programs: A Fine Dining Restaurant Insurance Program, A Casual Dining Restaurant Insurance Program, A Fast Food Restaurant Insurance Program, a specialized insurance program for Bar and Grill and Taverns, and finally a Caterer Insurance Program. If you need help with your restaurant insurance questions, or if you feel that your agent isn’t working hard to help you develop more top line revenue, then please feel free to call us, toll free, at 877-687-7557 or visit us on line at www.TheRestaurantInsuranceStore.com.

The source information for this article was pulled from other articles which can be found at our restaurant insurance blog at www.restaurantinsuranceguy.com.

Restaurant Insurance Help – Slip And Fall Issues And Cheap Ways To Prevent Them

As a restaurant owner you know the importance of minimizing risk to prevent downtime and lost time out of work. But what you may not know is that there are some very simple changes you can make that will not only reduce your risk of loss but can also save you money on your restaurant insurance policies. This article talks about one of the most common sources for claims in the restaurant business and the simple techniques you can employ to help prevent these claims.

The most common restaurant workers compensation policy claim comes from slip and fall claims. These claims can really haunt the restaurant owner because they happen so fast and often happen out of site and can often result in long recovery times. These long recovery times can really kill your insurance costs. The resulting disability payments to your employee who is out of work and recovering will all count against your experience modification factor and drive up your rates for many years to come.

Slip and fall risks in a commercial kitchen are high because of the cluttered and slippery floors with oil water and food on the floor. Also, your employees putting away inventory are at risk because they often can’t see where they are walking while carrying large boxes or sacks. In addition, severs and bussers are at risk while carrying trays and operating in subdued lighting environments.

So here is a short list of what you can do to help protect your employees from this risk. All of the items on this list are FREE, you just have to implement them.

1. Have your employees wear non-slip, waterproof shoes.
2. Do not allow running in the restaurant.
3. Properly store all supplies and equipment and eliminate clutter
4. Apply de-icing products to exterior walkways to protect both employees and customers
5. Clean up any spill immediately.
6. If your employees must carry stacked items, you must have a rule that they can see over the top of the items that they are carrying.
7. Keep and eye on all rugs and carpets and make sure they stay in their places and all corners lie flat.

This next list is of some other things you can do to reduce injury to your employees. This list may involve some minor expense but the cost savings are dramatic compared to the costs of a long term workers compensation claim.

1. Provide two double swing doors with windows at the entrance to the kitchen so that people on both sides of the door can see what is going on before they push through.
2. Install wall and ceiling outlets so cords aren’t left running along the floor. Also, make sure floor plugs are not in areas where spills are common.
3. Stretch or re-lay any carpet that is bulging or bunched up.
4. Use nonslip floor mats and non skid floor waxes on surfaces where water could be spilled.
5. All floors where water is spilled or used to clean must have adequate drainage.
6. Place convex mirrors at blind corners.
7. Immediately replace any broken or damaged drain covers.

Following these recommendations will help you reduce and even nearly eliminate the slip and fall hazards to both your employees and your patrons. This will help hold down the costs of your workers compensation insurance and your restaurant insurance program.

At Clinard Insurance Group in Winston Salem, NC, we specialize in helping all kinds of restaurants across North Carolina and South Carolina with their restaurant insurance policies. We understand that not every restaurant is the same, and that is why we have created 5 specialized restaurant insurance programs. We don’t want you to be the round peg jammed into a square hole that so often happens with restaurant insurance. We have a fine dining restaurant insurance program, a casual dining restaurant insurance program, a fast food insurance program, a bar and grill and tavern insurance program as well as a specialized program for caterers insurance. If we can help you with your restaurant insurance needs, please call us, toll free, at 877-687-7557 or visit us online at www.TheRestaurantInsuranceStore.com.

The source information for this article can be found in articles at www.RestaurantInsuranceGuy.com.

Restaurant Insurance – If You Have a Vintage Building, Consider This Approach

If you are a restaurant owner who also owns the building where your restaurant is housed, then you should take the time to consider exactly how the coinsurance clause on your property insurance policy works and what it means for you. To gain a better understanding of the coinsurance clause itself, please read my blog called, Coinsurance for Restaurants. In addition, if the building that you own is an older one, then you may find that the coinsurance clause is punishing you in a big way. In that case you may be looking for an alternative. That alternative can be a policy with a functional replacement cost clause.

As my earlier blog indicated, your coinsurance clause is based on the replacement cost of your building. But with older buildings there are many issues that skew the replacement cost of the building far too high. Simply stated, the functional replacement cost clause allows the building to be replaced with similar property that performs the same function but is less costly.

Functional replacement cost provides a combination of three separate coverages. They are:

Building limit of insurance – This covers the value of the building that you are going to replace at the time of the loss.

Demolition Cost -- This covers the cost to demolish and clear the site of the undamaged portion of the building which is caused by enforcement of ordinances.

Cost To Reconstruct In Compliance With Ordinance Or Law -- Generally speaking, you must repair or replace the building for this coverage to apply.

So who should use the functional replacement cost clause? This form is recommended when any of the following situations exist:

You own the building but in the event of a loss, you would only want to replace a portion of the building. Or, your building contains materials or design that is costly and difficult to replace. For instance, your building may have plaster walls but would happily replace them with dry wall after a loss. Another example would be if you would want to change the entire construction type of your building after a loss, perhaps replacing a masonry noncombustible building with a frame one.

What are the advantages of using this form in these cases? First of all, you can usually purchase a lower limit of insurance without putting yourself in jeopardy of the dreaded coinsurance clause. Secondly, total and partial losses can be settled on a replacement cost basis without a deduction from your claim for depreciation. Third, ordinance or law coverage for increased construction or repair costs is included in the form.

At Clinard Insurance Group, in Winston Salem, NC we specialize in helping restaurant owners of all types of restaurants with their insurance needs. We want all of our clients to be informed insurance consumers and to understand exactly what they are buying. To make this process a bit easier, we have developed 5 different restaurant insurance programs so that you aren’t a square peg forced into a round hole. We know that all restaurants are different and that is why we have develop specialized restaurant insurance programs for fine dining, casual dining, fast food, bar & grill and even catering. To see all of our restaurant insurance programs, visit us online at www.TheRestaurantInsuranceStore.com or call us, toll free at 877-687-7557.

The source information for this article was pulled from articles found at The Restaurant Answer Guy blog site.

Restaurant Insurance – Use your Medical Payments Coverage to Keep Loss Costs Down

If you own a restaurant, then you have at least a passing understanding of your restaurant insurance policy. And hopefully you have purchased general liability protection as a part of your package policy. What you may not understand fully, is how the medical payments section of your policy can help you keep loss costs lower, which in turn can save you time and money on your restaurant insurance policies in the future. Here’s how it works.

Your general liability section of your restaurant insurance policy should have two components, one called medical payments coverage – which we refer to as med pay, and a second component which is called liability coverage. The liability coverage is designed to protect you against claims filed against your business for which you are legally liable. This could run the gamut from broken teeth to food poisoning to slip and fall claims. And I probably don’t have to tell you that there are plenty of scam artists out there who visit restaurants just to set them up to demand payment for some kind of questionable claim. But your med pay coverage on your policy is your first line of defense to keeping scam claims and even legitimate ones from ballooning out of control.

Med pay will pay for the medical bills associated with injury to your patrons while they are on your premises. And here’s the best part – it pays without regard to fault. So, while you may not be sure that it is your fault that your client claims he slipped in your rest room, you can initiate a claim using your med pay coverage to cover his medical bills right away. Often by taking quick and decisive action you can mollify the feelings and emotions of an injured patron and keep the claim from escalating out of control. Med pay is the vehicle to help accomplish this goal.

If you don’t have med pay on your policy, of if you feel you might want to increase that coverage, call your agent immediately. This coverage is pretty inexpensive and could save you a bundle in time and hassle by keeping a potentially devastating liability claim under control.

At Clinard Insurance Group, in Winston Salem, NC, we specialize in helping restaurants all across North Carolina and South Carolina with their restaurant insurance needs. We have developed specialized insurance programs for different types of restaurants to keep you from buying coverages you don’t need and to help you get the ones that are needed for your type of establishment. So we have an insurance program that will fit your needs, whether you are casual dining, fine dining, fast food, bar and grill, or even a caterer. For more help with your restaurant insurance, please visit us online at www.TheRestaurantInsuranceStore.com or call us, toll free, at 877-687-7557.

Much of the source data for this article can be found on line at www.restaurantanswerguy.com.