Ask Your Peers  Everguard Insurance Services 

We have the opportunity to sign a contract with Everguard Insurance Services for their Bar and Tavern Program. Historically they have been very good in the niche market but I'm hearing they may have claims issues and aren't as competitive as they have been in the past. Can anyone shed any light on the company from their experiences?

We have been working with Everguard for about 8 years, they have been doing great on our accounts. Always friendly and competitive. In NV, they are using non-admitted paper.... The only carrier that seems to beat us is Badger Mutual, only because Badger is admitted and Everguard uses non-admitted carriers for ultimate flexibility. Are you finding any other carriers that can compete with Everguard's program?

Chrystal,

We don't write many Bars and Taverns so I don't know if anyone can compete with them. I do know about 3 or 4 years ago no one could compete. Thank you for your feedback.

Jerry,

I'm the CEO and owner of EverGuard. Thanks for your post.

EverGuard has been growing at a healthy pace over the past five years, which I hope speaks well to our good service, broad coverage, and competitive rates. The restaurant/bar/tavern market varies by state, but CO continues to be very successful for us. We hit on a very good percentage of new business accounts that fit our program guidelines.

I never like to hear about claims concerns, and I'm happy to discuss any specific issues you've heard about in this forum or by phone. We believe that our carrier, First Mercury (Crum & Forester company) is doing an excellent job investigating, indemnifying and defending our insureds on GL/Liquor/A&B claims, as well responding timely and carefully to first party property claims. First Mercury has a dedicated and experienced claims team and does not use a TPA for our program, so it's easy to identify responsible parties and get access when questions or concerns arise.

I hope that we have the opportunity to work with you, and welcome any additional questions you have.

Crystal, thanks for the kind words - glad we're taking good care of you and your clients!

Best,

Tom Gillingham
206-352-3288

Tom, Thanks for your reply. I may not have been clear. Not claims concerns in that claims are not being handled promptly or correctly. As I said or meant to Everguard has an excellent reputation in the marketplace and I'm sure we will be a good partner for you and your program.