Ask Your Peers - Hired/Non-owned Pizzeria by Brandon Hoalt

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Brandon Hoalt, Weber Insurance and Realty - Hardinville, IL 62454

Reputation: 45 - Total posts: 5

I'm looking for one company that will do all lines for a pizzeria (w/ delivery and alcohol sales). GL/Property/Umbrella/WC/Hired-Nonowned, liquor liability. I can mix and match these risks but have not been competitive. The only company that I can find is Society. Does anyone know of any other companies that will offer this all in Illinois and Indiana?

12 year(s) ago

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Richard Coker, Covenant Insurance Agency, LLC. - Hendersonville, TN 37075

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0 Verified Reviews - 0 of 5.0

Richard Coker, Covenant Insurance Agency, LLC. - Hendersonville, TN 37075

Reputation: 37 - Total posts: 7

Try Firemans Fund's "Open Markets" programs. They have a nationwide program open to all agents and its a good program.

12 year(s) ago

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Katrina Biethan, CompleteMarkets - Big Bear, CA 92315

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5 Verified Reviews - 5 of 5.0

Katrina Biethan, CompleteMarkets - Big Bear, CA 92315

Reputation: 3494 - Total posts: 268

Good Morning Brandon! I did a search for Restaurants/Umbrella Liability including Liquor Liability in Indiana and in Illinois. You can view the search results for Indiana Here, and Illinois Here. I hope this information helps.

12 year(s) ago

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0 Verified Reviews - 0 of 5.0

Richard Coker, Covenant Insurance Agency, LLC. - Hendersonville, TN 37075

Reputation: 37 - Total posts: 7

I couldn't post the info here for some reason but email me at: [email protected] if you want a link/contact information for the FFA program.

12 year(s) ago

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Wes Kurtz, Pathfinder LL&D Insurance Group - Addicks, TX

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Wes Kurtz, Pathfinder LL&D Insurance Group - Addicks, TX

Reputation: 0 - Total posts: 4

Liberty Mutual has a program that you can access through Willis, but I believe you have to be appointed with Liberty. My experience with this exact situation is that keeping the Hired/Non-Owned separate from the other lines has been not only the most cost effective but also provided the best coverage. If you'd like to discuss further, send an email to [email protected], I'd be happy to tell you everything I've learned going through this exact same situation.

Best,
Wes Kurtz

12 year(s) ago

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Cindy Johnson , Doherty, Duggan & Rouse Insurors - change city, AK

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0 Verified Reviews - 0 of 5.0

Cindy Johnson , Doherty, Duggan & Rouse Insurors - change city, AK

Reputation: 10 - Total posts: 2

Google Pizzaguard. NOt sure if they will do those two states but they will do delivery. In Georgia, they write alot of the Mellow Mushroom franchise pizzeria's.

12 year(s) ago

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Andrew D Bartelt, Bartelt Insurance Services Llc - Wausau, WI 54403

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0 Verified Reviews - 0 of 5.0

Andrew D Bartelt, Bartelt Insurance Services Llc - Wausau, WI 54403

Reputation: 59 - Total posts: 8

Good Morning, If Midwest Family Mutual is in your state I know they do that in WI.

12 year(s) ago

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Wes Kurtz, Pathfinder LL&D Insurance Group - Addicks, TX

Reputation: 0 - Total posts: 4

If the pizza delivery restaurant also delivers alcohol, like mine does, none of the "programs" will write the hired/non-owned. If they aren't delivering alcohol, then maybe they'll work. Assuming that you can get one of these programs to take the H/NO, my experience has been they are more expensive with less coverage on the H/NO portion than a standalone surplus option. A standard package with liquor liability in tandem with a surplus H/NO option has proven to be the best combination for the group that I work with.

12 year(s) ago

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Chris Kelley, The Kelley Group Co - Hull, IA 51239

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0 Verified Reviews - 0 of 5.0

Chris Kelley, The Kelley Group Co - Hull, IA 51239

Reputation: 55 - Total posts: 5

We can write those exposures. You can request a quote at www.mypizzainsurance.net or email me at [email protected].
Best regards,
Chris

12 year(s) ago

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Margie Wicks, AFC Insurance, Inc. - Butztown, PA 18017

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Margie Wicks, AFC Insurance, Inc. - Butztown, PA 18017

Reputation: 15 - Total posts: 3

I am a program administrator for the Fireman's Fund Pizza Insurance Program. We can offer the BOP with liquor liablity and Hired/Non-owned Auto. Email me at [email protected].
Regards,
Margie

12 year(s) ago

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Wes Kurtz, Pathfinder LL&D Insurance Group - Addicks, TX

Reputation: 0 - Total posts: 4

Margie,

Does the Fireman's Fund program cover H/NO if the pizza delivery includes alcohol delivery as well? Also, will the H/NO coverage step in as primary if the delivery driver allows his/her personal coverage to lapse?

Best,
Wes

12 year(s) ago

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Ask Your Peers Hired/Non-owned Pizzeria