Insurance resources
& guides.
Expert insights to help you understand commercial insurance and protect your business.
Jatin SandilyaFood Allergy Claims at Restaurants: What General Liability Does (and Doesn't) Cover
How general liability insurance responds to food allergy claims and what restaurants can do to reduce exposure.
Jatin SandilyaCatering Off-Site: General Liability Coverage Beyond Your Four Walls
How general liability insurance extends to off-site catering events and what venue requirements to expect.
Jatin SandilyaKitchen Fire Claims: How General Liability and Property Insurance Work Together
Understand how general liability and property insurance each respond during a restaurant kitchen fire claim.
Jatin SandilyaHNOA Quote Checklist for Restaurants: Driver Policy, Delivery Details, and Contract Language
Get accurate HNOA quotes faster with this complete checklist of delivery details, driver policies, MVRs, and contract requirements underwriters need.
Jatin SandilyaHired & Non-Owned Auto Cost for Restaurants: What Impacts Pricing (Delivery Volume, Radius, Hours)
HNOA premiums range from $300 to $1,200+ annually. Learn exactly what drives pricing and how to reduce costs without sacrificing coverage.
Jatin SandilyaRestaurant Delivery Risk Map: Catering Runs, Alcohol Delivery, Late-Night Deliveries, and Claims
Not all deliveries carry the same risk. Map your restaurant's delivery exposure based on catering, alcohol, late-night operations, and claim patterns.
Jatin SandilyaHNOA vs Commercial Auto: Which One Does Your Restaurant Actually Need?
Compare Hired & Non-Owned Auto and Commercial Auto coverage to determine which policy fits your restaurant's delivery model and vehicle ownership.
Jatin SandilyaDoorDash/Uber Eats/Third-Party Delivery: What Liability Still Sticks to the Restaurant?
Third-party platforms handle delivery - but product liability, liquor liability, and premises liability still attach to your restaurant. Here's what you need to know.
Jatin SandilyaHired & Non-Owned Auto for Restaurants: Delivery Drivers, Employee Cars, and the Hidden Gap
Employee delivery drivers, catering runs, and supply pickups create a hidden insurance gap that your BOP won't cover. Learn how HNOA protects your restaurant.
Jatin SandilyaEPLI Underwriting Checklist: Handbooks, Training, Documentation, and Manager Practices
Prepare for EPLI underwriting with this comprehensive checklist covering employee handbooks, training, documentation, and manager practices.
Jatin SandilyaEPLI Cost for Restaurants: Key Factors (Headcount, Practices, Prior Claims, Training)
Understand what drives EPLI pricing for restaurants and how to reduce your premium through better employment practices.
Jatin SandilyaDo Small Restaurants Need EPLI? A Practical Guide by Team Size and Risk
Evaluate whether your small restaurant needs EPLI based on team size, legal thresholds, and practical risk factors.
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