Jump to navigation

Restaurant Insurance Cost Savings Strategies

from Robert Bell Insurance Brokers

by Michael Bell on Aug 1, 2014

If you are in search of Commercial Insurance for your California restaurant, you may find it difficult to find competitive rates and coverage. Not so, if you are a client of Robert Bell Insurance Brokers. We shop your insurance regularly, which enables us to provide the best possible combination of coverage, price and service.  We offer competitive premiums, and quality coverage.

The best strategy in lowering your premium is to find the carriers that specialize in the restaurant industry. These companies usually offer broad coverage and are competitive in pricing.  As an independent agent we search the market for you, finding the best possible combination of price, coverage and service. Remember, not all insurance companies are created equal. The more experienced and specialized the agent is, the better the chance you have of finding the best premium and coverage.

Other ways to reduce your restaurant premiums:

  • Combine all your insurance under a “package”.
  • Don’t nickel-and-dime your insurance company. If you file claims for every little thing, your rates may increase. Insurance is meant to cover unexpected large losses.
  • Consider your deductibles. By increasing your deductible you may save money.
  • One of the best forms of insurance is routine maintenance. Well-maintained property is less likely to have mechanical failures or losses.
  • Offer safety training to employees.
  • Start a safety committee to help reduce work comp losses.
  • Place all your insurance with one insurance company.
  • Seek advice from a qualified independent agent like Partners Insurance Services.
  • Investigate premium-reduction strategies such as inspections and security systems.
  • At least once a year, review your coverage for duplications or unnecessary coverage. 

We are experts in the hospitality industry, and specifically restaurants. We have access to many qualified highly rated insurance companies. Call us today. 

Robert Bell Insurance Brokers understands that every business and industry is unique, which is why regardless if your business is large or small, simple or complex, we have the expertise to identify the ways to properly insure the particular needs of your business.


More articles related to…

Bookmark our mobile site visit m.robertbellinsurance.com

Information you need, when and where you need it most. More »

Our Insurance Companies

Safeco Insurance

Robert Bell Insurance Brokers Inc.

Our location

605 E Alvarado St #200
Fallbrook, California 92028
Jump to navigation
Mon-Fri 8AM-4PM

© 2017 Robert Bell Insurance Brokers       California License #0691053