Does Your Business Insurance Travel with You?

Does your business insurance coverage properly protect you and your business for events and other operations away from your primary business premises? As businesses continue to reopen and we are all once again able to fill our networking calendars with events, it’s important to discuss your policies with your protection coach to ensure you are properly protected.

General Liability Insurance

A general liability policy protects your business from financial loss should you be liable for injury or property damage to others caused by your services, business operations or your employees. You should talk to your business insurance coach to ensure that your policy extends to an event away from your business premises to properly protect yourself and your business when attending networking events, tradeshows, mixers and the like.

Workers Compensation

Workers comp protects the employee and the employer for payment of medical bills for covered injuries sustained on the job & loss of earnings resulting from covered injuries sustained on the job. If your business operations will cross any state lines, make sure to discuss the details with your business coach to make sure your business is protected.

Equipment Coverage

This is where coverage talks can get tricky, because equipment coverage will vary from insurance company to insurance company. Equipment coverage for property away from your primary business premises may or may not be included in your policy. It’s best to call your protection coach and have a conversation about your particular needs and situation.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 951-600-5751
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Thank you, Thank you, Thank you SIA. My business has rapidly grown, but I couldn’t have managed without you. You take the worry out of my insurance needs and that makes me extremely happy. Your entire staff is very knowledgeable and friendly. I would never go anywhere else for my business insurance.“
Robert Siever – Gasket Pro – Costa Mesa, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

How Do You Insure Your Non-Profit?

Every non-profit is unique. Whether you work with vulnerable populations, rely on volunteers, put on fundraising events, transport the elderly, employ social workers, or other activities, your insurance needs are very specific to your operations.

Non-profit insurance is business insurance designed to accommodate the needs of a not-for-profit organization. Having business insurance for non-profit organizations can be crucial as it can protect against a variety of risks, from car accidents involving business vehicles to a client’s slip and fall in the office.

What Types of Insurance Policies Do Nonprofit Organizations Need?

There’s no master list of the types of insurance policies that non-profit organizations should purchase or what amounts of coverage they should buy. Instead, non-profits must rely on the expertise of local, licensed, experienced insurance agents to help them find the best insurance policies for their needs.

Following is a short list of some of the more common types of policies about which non-profit organizations should ask their insurance agents. They may need fewer policies and they may need different policies to cover different types of exposures and risks.

General Liability

All non-profit organizations should purchase general liability insurance. It covers against claims made by third parties for bodily injury and property damage that occurs in the course of the non-profit’s operations.

Property Insurance

Property insurance covers damage or loss to buildings, office equipment, inventory and any other property the non-profit owns. Fire and theft are common claims. Boards should be aware that not all insurance policies cover against floods and earthquakes.

Auto Insurance

Non-profits may buy auto insurance if their boards or employees use autos for non-profit business. You may purchase liability coverage to cover others and physical damage coverage for owned autos. Non-profits may also consider non-owned auto insurance coverage for volunteers who use their own vehicles for non-profit volunteering. Read more on non-owned auto policies here.

Workers’ Compensation

Workers’ compensation will provide coverage for payrolled employees who get injured on the job. This type of insurance is mandatory in California. This coverage will provide for medical expenses and wages if an employee gets injured while working for the nonprofit.

Directors and Officers Liability

This is another type of insurance that non-profits should not be without. It provides coverage for management decisions that board directors and officers make. D&O insurance protects the organization and individual board members. D&O insurance policies sometimes include insurance coverage for employment practices liability, which extends to volunteers as well as employees. This coverage protects against claims for harassment, discrimination and wrongful termination. Always consult with your local independent insurance agent to be certain of your exact coverage.

Professional Liability

Depending on it’s operational classification, a non-profit may have a professional liability exposure. Professional liability insurance is also referred to as errors and omissions insurance. Always consult with your local independent insurance agent to be certain of your exact coverage.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one Non-Profit Organization that trusts Stromsoe Insurance Agency:

“We are so pleased with your organization; it makes our job so much easier to have people like all of you to work with. I recently shared this with another local business owner, we praise you guys to the hilt”
Dorcas Shaktmas – Assistance League of Temecula Valley – Temecula, CA – Client Since 2012

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Business Umbrella Insurance for a Rainy Day

What does commercial insurance need a business umbrella for? You might be thinking like this and we get this question a lot. Well, I’ve got a corporation. My veil is protected. Nobody’s ever gonna be able to pierce, the corporate veil. Sure about that? We hope not. And any corporate documents, any LLC documents, any written legal documents, are only as good as the person that wrote them, and the maintenance there of them.

At the end of the day, what I want you to think about when you’re thinking about protecting your empire, is the entity. Because insurance follows the entity first.

You’ve got to look at the underlying limit requirements, of the contract, and you need to evaluate your business auto; your workers’ comp; your general liability; and any other operations that you’ve got, to make sure they’re all protected under the umbrella. That underlying limit schedule, which is part of the policy, is a key component, to make sure that your umbrella coverage, responds and steps up. If that claim ever does happen, we want to make sure that protection is there, for you.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 951-600-5751
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I have dealt with Stromsoe Ins for 13 years.  They have been outstanding in customer service and finding me the best policies for my needs.  I regret having to say good-bye as I say hello to retirement.”
Robert Siever – Gasket Pro – Costa Mesa, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Discrimination and Your General Liability Coverage

Discrimination and CGL Policies

What Does General Liability Cover?

Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’ operations, products, or injuries that occur as the result of the business operations. Commercial general liability is considered comprehensive business insurance, though it does not cover all risks a business may face.

These policies have different levels of coverage. A policy may include premises liability coverage, which protects the business from claims that occur on the business’ listed physical location. It may also include coverage for bodily injury and property damage that is the result of a finished product or service done.

What is Discrimination

Discrimination is the unfair or prejudicial treatment of people and groups based on characteristics. The most commonly discussed categories of discrimination are race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age (40 or older), disability and genetic information (including family medical history).

Why Is Discrimination Not Covered Under CGL?

Imagine you are looking to promote one of your employees to a managerial position. Suzie is young and newer to the team, but has a go-getter attitude and you believe she is the right fit. You announce Suzie has been chosen for the position and you believe strongly in your decision and the impact you feel it will have on the company as a whole.

Soon after announcing Suzie’s promotion, you get a lawsuit from another employee, Steve, claiming age discrimination. Steve has more education, more experience and has been with the company longer than Suzie. He is asking for $40,000 in compensation for the difference between his current pay and benefits, and those he would have received had he been promoted.

Using this example, even if your policy does not specifically exclude discrimination, there are two main reasons why your claim could be denied under your commercial general liability policy: it’s not a covered injury as intended by the policy form and it’s not accidental.

Not A Covered Injury

Steve’s lawsuit is asking for reparations because of damages for economic losses like back pay, loss of future earnings, and lost benefits. A commercial general liability policy normally covers claims including damages for bodily injury, property damage or personal and advertising injury. Steve’s lawsuit does not allege the company for a covered injury.

Not Accidental

General liability policies cover injury or damage that results from an occurrence (accidental or sudden event) and discrimination doesn’t usually occur accidentally. Rather, discrimination results from intentional acts committed by employers.

 

Looking for more to read?

 

What Policies Cover Discrimination?

Usually, discrimination does not fall within the coverage terms of the commercial general liability policy and may even be specifically excluded. Employment practices liability insurance (EPLI) covers a variety of employment-related claims, normally including discrimination.

EPLI may provide protection against many kinds of employee lawsuits, including claims of:

  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract
  • Negligent evaluation
  • Failure to employ or promote
  • Wrongful discipline
  • Wrongful infliction of emotional distress

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 951-600-5751
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I have dealt with Stromsoe Ins for 13 years.  They have been outstanding in customer service and finding me the best policies for my needs.  I regret having to say good-bye as I say hello to retirement.”
Robert Siever – Gasket Pro – Costa Mesa, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Uncovered Claims Average $40k-$60k for EPLI

The expenses associated with lawsuits for employment practice issues can be staggering and are on the rise. Employers can face a variety of complaints and litigation over wrongful termination, discrimination, harassment in the workplace and retaliation. To be sued, a company owner wouldn’t even have to be in the wrong. To better protect company assets, it is essential to find the right Employment Practices Liability Insurance (EPLI) to cover defense expenses and losses involved with multiple employment-related claims.

What Is Employment Practices Liability Insurance Coverage?

EPLI is insurance that gives companies coverage against employment-related lawsuits such as claims of harassment, wrongful termination, discrimination or other work-related issues. Such lawsuits are increasingly common in today’s business environment. The most common claims filed are for retaliation, sexual harassment, discrimination and wrongful termination.

Many large corporations are well protected and can deal with nearly any type of employment-related lawsuit. Unfortunately, new or small businesses can be highly vulnerable to this type of claim. Many of these businesses lack an employee handbook or a legal department that can advise on proper procedures to follow regarding terminating, disciplining and hiring employees.

If you need help with a handbook and other HR matters, click here!

stromsoe-insurance-agency-blog-graphic-employment-practices-liabilty-insurance-epli-explained

What Does EPLI Cover?

Retaliation: Taking a negative action toward a person in response to a protected action or a decision they’ve made. Example – if an employee is terminated for telling a government agency about illegal activity at your company.

Sexual Harassment: Workplace sexual harassment is defined as “unwelcome sexual advances, requests for sexual favors, and other verbal or physical conduct of a sexual nature.” Example – a joking comment that is sexually descriptive in nature with an employee.

Discrimination: Making improper or illegal decisions regarding a person’s compensation, promotion or hiring. Example – if an unqualified job applicant is hired because they’re the boss’ daughter.

Wrongful Termination: Giving a person an inaccurate, unfairly low or excessively negative performance evaluation. Example – if you make up a false incident report about an employee on a review.

Wage and Hour Claims: URGENT – Coverage for wage and hour claims is not included by most policies. Please contact our business insurance team for more details.

Want to Read More?

Do I Need This Coverage?

Employment Practices Liability Insurance comes in handy if your business:

  • Hires, promotes, demotes or fires employees or contractors
  • Evaluates employees or contractors
  • Offers raises to employees or contractors
  • Supervises employees or contractors
  • Monitors the communications of employees or contractors
  • Communicates to or about employees or contractors
  • Your industry is an environment where possible employee or contractor harassment could occur
  • Manages benefits for employees or contractors

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I have dealt with Stromsoe Ins for 13 years.  They have been outstanding in customer service and finding me the best policies for my needs.  I regret having to say good-bye as I say hello to retirement.”
Robert Siever – Gasket Pro – Costa Mesa, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Safeguard Your Business with Group Health Insurance Benefits

If you’re considering a group health benefits insurance plan for your company, it’s important to have all the information before you choose a plan. Group health plans provide benefits coverage to an employer group, usually comprised of company employees or members of an organization.

How Many People Do You Need?

When you buy group health insurance, you have to have a group. In other words, a single individual can’t sign up for this kind of plan. For small businesses there can be as few as two people in the group during the special open enrollment period. Otherwise, you need 70% participation, not including owners or spouses, from your company’s employees in order to get group insurance.

Why Is Group Health Insurance More Affordable?

Once the company chooses a plan, group members are given the option to accept or decline coverage. In certain areas, plans may come in tiers, where insured parties have the option of taking basic coverage or advanced insurance with add-ons. The premiums are split between the organization and its members based on the plan. Health insurance coverage may also be extended to the immediate family and/or other dependents of group members for an extra cost.

Group health insurance is sometimes lower in cost than an individual plan as the risk to the insuring a company is lower, since the plan is shared across more people.

stromsoe-insurance-agency-blog-graphic-group-health-benefits

What is Considered a “Small” Employer Group?

When we talk about small businesses in the context of group health benefits, a small employer is one that has from 2 to 50 employees. A sole proprietorship with only one employee (the owner) isn’t eligible, and if you have more than 50 employees you are considered a large group. The large group platform operates a lot differently than small group.

Looking for something else to read?

How Does the Shared Cost of a Group Health Benefits Plan Work?

The cost of a group health plan is shared by everyone in the group, by the employer and employees. In other words, these plans sometimes cost less because there are more people in them. Also:

  • With some groups, employees pay a portion of their own health insurance premiums
  • To meet group health requirements, the employer must pay at least 50% of the employee health insurance premiums

Retaining talent is more important than ever. Showing your employees that you care about their well-being and by truly offering to help them by providing the option of group health and benefits insurance, this gives your employees one more reason to continue their career as part of your team.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Dedicated to helping small businesses during these hard times. Great customer service and extremely knowledgeable in their products. Would highly recommend.”
Doris Hess – Relentless Brewing & Spirits – Los Angeles, CA – Client Since 2020

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Changes for California Business Owners!

Early in January, the California Supreme Court ruled the change in factors to determine whether workers are employees or independent contractors, will be applied retroactively to its earlier ruling in April 2018. For more information, keep reading here. If you have questions on how this change will affect your Workers Comp, please give our Business Protection Coach, Ann Pederson, a call at 951-600-5751.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Stromsoe Insurance Team is amazing, if every company that I worked with would operate like them, Los Angeles truly would be called city of angels.”
John Melkonyan – Crispy Crust Pizza – Client Since 2005

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Business Owners: Proprietary HR Program – Limited Time Offer!

Helping Your Business Change
For The New Reality…
What Is Your Business Doing To Prepare For The Changes?

 

Life has changed for all us.  In these times of uncertainty, more than ever, we are dedicated to the Core Values in our agency.  At the top of our Core Values is:

Servants Heart: Dedicated to serving our clients and communities!

For a limited time… Stromsoe Insurance Agency is giving our Business clients access to our proprietary HR Program … you will receive the first year at NO cost!

People Management Solution includes :

  • Personalized Handbook
  • Live HR Advisors (Phone, Email & Chat)
  • HR & Compliance Resource Library
  • Workplace Harassment Prevention
  • Workplace Safety
  • Extensive Learning Management Library

If you would like to take advantage of this limited time offer, please complete the application form.

If you have any questions or would like to learn more, please contact the Stromsoe Insurance Business Protection Team:

Phone: 951-552-7236

Text: 951-482-8144
Email: insure@siaonline.com

 

Don’t Take Our Word For It… Here’s What Clients Who Trust Stromsoe Insurance to Protect Everything They Work So Hard For Have To Say:

“No other organization we have ever dealt with has the depth of resources that Stromsoe Insurance and their teams have. For all of our businesses, every step of the way, they make sure our risk management, safety, HR and protection are all current. 100% recommend SIA!”
Douglas Fore- Hacienda La Puente School District – Client since 2016

“We are so pleased with your organization; it makes our job so much easier to have people like all of you to work with. I recently shared this with another local business owner, we both praise you guys to the hilt!”
Dorcas Shaktman – Assistance League of Temecula Valley Temecula, CA – Client Since 2012

Make Insuring Your Restaurant Easy as Apple Pie

Chances are, if you serve any kind of food or drink, you need general liability insurance. Being in the food and beverage business can come with great risks. That’s why it’s important to protect your restaurant with the best kind of coverage.

Who Needs Specialized Restaurant Insurance?

  • Cafes/Coffee Shops
  • Fast Food Restaurants
  • Ice Cream Shops
  • Fine Dining Facilities
  • Full Service Restaurants
  • Caterers
  • Cafeterias
  • Pizza Shops

Why Is Restaurant Business Insurance So Important?

Insurance protects the restaurant business you’ve worked hard to build – and helps keep it moving forward. No matter how hard you try to make sure everything is perfect, problems happen. Insurance is there to help when they do. If you’re in the food and beverage business, its best to start with a business owner’s policy (BOP) or a business insurance package policy.

A BOP combines three general insurance coverages that are important to almost every business: General Liability, Commercial Property, and Business Income. Bundling your policies into a BOP is a great way to lower your rate over purchasing the policies separately. If you have employees, you’ll also be required to have Workers Compensation.

General Liability

General liability insurance provides protection in situations where you could be held liable for injury to other individuals or damage to their property. Commercial property insurance protects your business property from damage or loss. A BOP typically covers:

  • Damage to your business property
  • Customer injuries and property damage
  • Advertising injuries, such as slander

The general liability portion of a business owner’s policy protects against lawsuits related to customer injury or damage to a customer’s property that happened at your business. To be sure of what your policy covers, you should speak with your licensed, local, independent agent protection coach.

stromsoe-insurance-agency-blog-graphic-restaurant-insurance

Risks Associated with Serving Alcohol

If your food service business sells alcohol, you need to purchase liquor liability insurance, which can be added to a business owner’s policy. This coverage protects you in the event of customer injury or property damage caused by someone who consumed too much alcohol at your business.

Temporary Closure

An unexpected closure for restaurants and other food service businesses could result in devastating financial losses. For example, a restaurant may need to close after a fire until restoration is complete. Business interruption insurance shields against lost revenue and other expenses related to closure caused by a covered property loss.

Optional Food Spoilage and Contamination Coverage

Whether it’s caused by a malfunctioning refrigerator or a power outage, damage to your stored food can be a big blow to your business. Food spoilage coverage can help reimburse the cost of replacing spoiled frozen, refrigerated, or shelved perishables.

Food contaminated by a supplier or by improper handling may also need to be thrown away. Food contamination coverage helps with replacement costs, along with associated costs such as cleaning or advertising to restore your reputation. Food spoilage and contamination coverage can both be added to commercial property insurance.

Make Your Restaurant Insurance Work for You

Business owners can tailor their restaurant insurance program to meet their specific needs. In the food service industry, useful add-ons might include liquor liability insurance, business interruption insurance, cyber liability insurance, EPLI or other endorsements. You can also add coverage for risks like cars parked with a valet service or items left at a coat check. To fully understand your policy, speak with your licensed, local, independent agent protection coach.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Stromsoe Insurance Team is amazing, if every company that I worked with would operate like them, Los Angeles truly would be called city of angels.”
John Melkonyan – Crispy Crust Pizza – Client Since 2005

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Your Guide to Brewery Insurance

Brewery owners and entrepreneurs in the beer industry have precise needs, and agents who fail to recognize that fact may leave their clients open to business-destroying gaps. Having a custom designed brewery insurance program to fit your business’ needs is the first step to protecting it, but what are your needs? Here are some things to keep in mind when preparing to insure your brewery!

General Liability

General liability will protect you both on the premises, for example in a tasting room, and off the premises, for example at a brew fest or other event. This will also cover personal and advertising injury for situations such as libel and slander.

Other standard liability coverages to include are a fire damage limit and a medical expenses limit.

Product Liability

Product liability will cover anything you sell, this means both beer and merchandise. Some examples of claims that would fall under product liability are:

  • Defectively manufactured products: a beer makes someone sick or there is glass in the bottle
  • Defectively designed products: use of a poisonous ingredient in a recipe
  • Failure to provide sufficient warning or instructions: leaving off an allergy warning label

Liquor Liability

A basic general liability policy excludes liquor liability coverage for businesses who generate a profit from alcohol. Liquor liability insurance is designed to fill this gap in coverage and may either be added as an endorsement to a general liability policy or purchased separately. Keep in mind, liquor liability won’t replace a general liability policy.

Additional Liability Coverages

  • Employee Benefits Liability: protects against administration errors in employee benefit programs
  • Hired and Non-Owned Auto: protects your company from business auto claims for vehicles not owned by the company or rented/borrowed from others
  • Umbrella: adds additional, higher limit protections for when claims exceed your limits
  • Cyber Liability: if you have an email address and a bank account, you have a cyber liability exposure

stromsoe-insurance-agency-blog-brewery-insurance-graphic

Property Coverage

Protecting your physical location and equipment is important for any small business. That’s where business property insurance comes in. This type of business insurance, also known as commercial property insurance, helps protect your business property, whether you own or rent it. It’s important to note that earthquake and flood are ordinarily excluded.

Some standard property coverages include beer products whether raw materials, in process or finished goods as well as, in some cases, property-in-transit.

Whether they’re stolen, damaged or destroyed, business property insurance can help cover the costs to repair or replace your:

  • Personal property located at your business
  • Tools and equipment you use for business
  • Inventory stored at your office or warehouse
  • Furniture, such as couches, desks, chairs and tables
  • Computers you use to run your business
  • Accounts receivable and other important documents
  • Outdoor landscaping, like fences

Equipment Breakdown & Business Income

Equipment breakdown covers the cost to fix or replace equipment that has failed as well as getting equipment working faster to minimize loss. You can also get reimbursed for related goods or loss of materials, such as a spoiled batch of beer due to non-operating equipment.

You may be asking, “what if I’m leasing my equipment?” Although you may not be responsible for the fixes that your broken equipment will need, equipment breakdown insurance is still very necessary. During the time that your equipment is broken your business will likely be losing income due to lack of production. The equipment supplier will fix your equipment, but will not reimburse you for lost income during this time, which is greater than the cost of repairs in a lot of cases.

Brewery Specific and Other Property Coverages

  • Off-Site Utilities: direct damage and loss of income
  • Leakage: beer spilling or draining from tanks or other containers
  • Contamination: cleaning fluids, stray bacteria, yeast etc.
  • Selling Price Endorsements: to protect your profit, you should have your endorsement start as early in the manufacturing process as possible
  • Business Auto: typically provides for higher policy limits and more complete protection than personal auto
  • Workers Compensation: helps protect businesses and their employees from financial loss when an employee is hurt on the job or gets sick from a work-related cause
  • Employment Practices Liability: provides coverage to employers against claims made by employees alleging situations like discrimination, wrongful termination or harassment
  • Directors & Officers: protects the directors and officers of the company from lawsuits from employees, investors, lenders and others

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Dedicated to helping small businesses during these hard times. Great customer service and extremely knowledgeable in their products. Would highly recommend.”
Doris Hess – Relentless Brewing & Spirits – Los Angeles, CA – Client Since 2020

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!