Insurance resources
& guides.
Expert insights to help you understand commercial insurance and protect your business.
Piyush VaranjaniHired & 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.
Piyush VaranjaniHNOA 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.
Piyush VaranjaniHired & 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.
Piyush VaranjaniEPLI 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.
Piyush VaranjaniEPLI vs Workers' Comp: What's Different (and Why Restaurants Often Need Both)
Compare EPLI and Workers' Compensation coverage to understand what each policy covers and why restaurants need both to be fully protected.
Jatin SandilyaRestaurant Scheduling, Tips, and Turnover: Where Employment Claims Commonly Start
Understand the most common sources of employment claims in restaurants and how scheduling, tip disputes, and turnover create EPLI exposure.
Piyush VaranjaniEPLI for Restaurants: What It Covers (Harassment, Discrimination, Wrongful Termination)
Learn what Employment Practices Liability Insurance covers for restaurants and why it's essential protection against harassment, discrimination, and wrongful termination claims.
Jatin SandilyaCyber Application Checklist for Restaurants: MFA, Backups, POS Setup, and Incident Response
Prepare for your cyber insurance application with this step-by-step checklist of security controls and documentation.
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