Operations where property, equipment, employees, customers and day-to-day service exposures all come together.
Kitchens, wash systems, mechanical equipment and business property can be expensive to repair or replace.
Slip/fall, parking, drive-through and customer-area exposures deserve attention.
Staffing, delivery or service vehicles, and workers' compensation exposures vary by business model.
For restaurants, car washes and customer-facing service businesses, the details behind the business often determine what matters most to underwriters and how the insurance program should be structured.
Kitchens, wash systems, refrigeration, machinery and tenant improvements can create significant property and breakdown exposures.
High foot traffic, slips and falls, employment issues and workers compensation all affect the risk picture.
Equipment failure, fire, utility interruption or another covered loss can quickly become a business-income issue.
Parker can review the existing program, learn how the operation has changed, look at coverage structure and loss history, and identify items worth discussing before renewal or before approaching the market.
