Why Do I Need Restaurant and Bar Insurance?

Nearly every establishment involved in selling food and beverages – from

take-out restaurants to fine dining facilities, and from coffee cafes to full-service bars – can benefit from a comprehensive restaurant and bar insurance plan. The need for restaurant and bar insurance is particularly important during the holiday season because emotions run high, safety procedures are often overlooked, and occupancy maximizes. Here are three reasons why you should strongly consider acquiring restaurant and bar insurance.

 

Slip and Fall Accidents

Even the most diligent establishment is likely to spill food or drinks during the course of doing business. Patrons and employees alike can slip and fall if they walk through the spill; many slip and fall accidents result in serious injuries requiring hospitalization or long-term care and therapy.

 

With restaurant and bar insurance, an establishment is financially able to deal with a serious slip and fall incident. Without this insurance, an establishment could face bankruptcy and even closure.

 

Patrons Behaving Badly

Restaurant and bar insurance can protect an establishment from its own clientele, as well. If a patron drinks too much alcohol, or if a child swallows a bite of food too large to chew, or a new employee leaves an oven on and a fire erupts, then insurance can protect the establishment if it is found partially liable for the actions of the clientele and employees.

 

Bad Luck and Crime

Sometimes, defective electrical systems or unforeseen faulty equipment can cause severe property damage because of the risk of related fire hazards and gas leaks. Similarly, if the establishment is a victim of a crime, like arson or graffiti, then that establishment is left with costly property damage.

 

Restaurant and bar insurance can protect an establishment from a wide array of holiday disasters. If your business is in need of insurance and you are not sure where to start, then you will want to get in touch with an experienced insurance  group that specializes in your industry. Fill out our contact form to get a free business insurance quote or call our insurance representatives today at 1-888-535-0110.

Rental Car Insurance Questions? Call Your Agent

Rental Car Insurance

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Renting a car can be a joyous experience, especially if you plan on using it to take a short trip while keeping the miles off your car. Or you could be on a trip to a new city and just need some transportation. And then there’s the unfortunate possibility that your car is in the shop. But no matter what your reason for renting a car, one thing is certain: you will be pushed to purchase insurance by the rental agency.

 

The rental car industry knows that you don’t know what your level of coverage is when it comes to rental car insurance. You may think that your personal car insurance will cover the rental, but are you sure? That’s what the kid behind the counter will be asking. Let him know that your credit card also provides some rental car insurance, and he’ll ask you how much. Rental car companies like to exploit your uncertainty in order to get you to buy their insurance, which can cost as much or more as the price of the rental. The only way to avoid paying for coverage you don’t need is to know what your existing policies cover.

 

The best way to find out if you’re covered is to contact your licensed California insurance agent. He or she can apprise you of your policy and everything it entails. Ask for details about your deductible, damage, theft, loss of use, liability, and the level of coverage you have for each. For example, liability coverage can vary wildly in terms of how much you’re insured for. Although it’s always a good idea to read your own insurance policy to check your coverage, a professional insurance agent can give you the answers you’re looking for quickly and easily. And he or she may be able to offer you a better deal on primary coverage with a third party (rental car insurance) than you’re likely to get from the rental company. At the very least, your insurance agent is more knowledgeable and interested in your well-being than the kid behind the counter.

Gear Up for Summer Rides with Motorcycle Insurance

Motorcycle

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Every motorcycle rider knows that the keys to safe riding are staying alert and using the right gear. In addition to your helmet, gloves, and other protective coverings, the most important thing you need in your saddle bags is good motorcycle insurance.

 

Warmer weather means more motorcycles on the road, something every driver should be aware of. On sunny days and temperate nights, riders all over Los Angeles are more likely to hit the road, and that means that everyone needs to be a little more attentive. If you own a motorcycle, the next best thing you can do after practicing proper road safety is securing motorcycle insurance.

 

Here in Los Angeles, and throughout the state of California, it is illegal to ride a motorcycle without having the proper coverage. Motorcycle insurance is necessary because of the added risk of riding a bike. And if you are planning to take advantage of the summer weather to log some miles on the open road, you want to make sure that you have the right coverage.

 

For new riders, the first step is getting licensed by demonstrating that you have the skills to handle a bike. Once you do that, you can decide on your coverage options. However, even longtime riders can benefit from reviewing their current insurance policies, especially if you get a new motorcycle or change the frequency of your rides.

 

Daily riders and those with newer, more expensive bikes generally pay the most for coverage. But they also need it the most. Weekend warriors and people with less-expensive machines usually don’t need the same kind of coverage. Age is also a factor. It’s important to speak with a licensed insurance agent to make sure your coverage level is appropriate for you.

 

Once you have the right coverage, and the proper safety gear, you can enjoy the feeling of the wind on your face as you cruise the open roads of Los Angeles all summer long.

Medical Marijuana Insurance—Keep Your Business Protected

Medical Marijuana

Photo Credit: Cannabis Therapy Institute

Recent headlines have been littered with articles about the legalization of recreational marijuana in California. The issue is a contentious one due to the tricky legal ground where current medical marijuana (MMJ) laws in California reside. Patients seeking a legal medical marijuana card are pretty much in the clear, so long as they obey the law. Things are a bit trickier for anyone seeking to open their own medical marijuana dispensary, or medical marijuana doctor’s office. As a recent L.A. Times article has pointed out, for those seeking to get in on this potential cash cow industry, the laws are only getting more difficult to navigate.

 

To briefly contextualize the issue, it’s important to know why the MMJ laws in California are under such scrutiny. Currently, medical marijuana is legal in California, but it is illegal federally. This means that the federal government has been incredibly diligent in making sure each state that allows medical marijuana is operating legally. This also means that the federal government can, at any time they want, raid a doctor’s office or a dispensary even if they’re in full agreement with their state marijuana laws. This is why if you’re seeking to open any business related to MMJ, you need to be protected.

 

The best way to ensure your MMJ business is safe and secure is through a trusted medical marijuana insurance provider. An example of one such provider is Safecal. They will do what it takes to keep your business open and protected no matter what your involvement may be. They protect, doctors, growers, dispensaries, transportation, and pretty much anything else you can think of. Further, being from California means they are fully aware of the sensitivity of working with MMJ.

 

Medical marijuana is not the demonized field that it used to be known as. It is a booming industry and will only continue to blossom as long as everyone involved obeys the laws and takes steps to make sure they’re protected. If you’re thinking of being a part of this new industry, your first step is to cover yourself with the right insurance policy.

Understanding Motorcycle Insurance Laws

Riding a motorcycle is freeing, rewarding, and risky. Being safe is key for enjoying the open highway as long as possible. As with any motor vehicle, if you drive a motorcycle, you are required by law to have some form of liability insurance. This is true of just any motor powered, two-wheeled vehicle. Your classic Vespa won’t get you out of this one. If it has an engine, wheels, and you take it on the road, then get covered.

 

Motorcycle Insurance

 

In California, the DMV does provide some alternatives to liability insurance, however these are expensive and not accessible to most people. The three alternatives to liability insurance are as follows: you can make a $35,000 cash deposit to the DMV (call (916) 657-6520 for more information), you can obtain a self-insurance certificate (again, call to investigate this option), or you can obtain a $35,000 surety bond from a company licensed to handle issuing these bonds to the public (call Department of Insurance at (800) 927-4357 for more information).

 

There’s a good chance that none of these seem like terribly viable options to you, so you might want to just consider getting liability insurance. Check in your state to see what the basic requirements are for making sure you’re covered. In California the basic liability coverage is 15/30/5. This means you need a policy that covers $15,000 in injury or death to one person, $30,000 injury or death to more than one person, and $5,000 in property damage. Remember, these are the minimum required amounts for coverage. Consider finding a plan that might be better suited to your needs and keep you safe.

 

While on the subject of riding your motorcycle and laws, remember your helmet. No amount of insurance coverage will allow for exceptions to this law (at least not in California). If you’re on two wheels being powered by a motor, then you need to have a helmet. It’s that simple. It doesn’t matter if you’re on a scooter, Harley, or Vespa. Wearing a helmet is safe and could save your life.

 

When shopping around for motorcycle insurance be sure to go with a company that will work in your favor to make sure you’re safe and well-covered. Also, make sure you’re up to date on all of the details of your bike. You should know the age, mileage, and history of your vehicle. The more information you have, the more an insurance company will be able to help you get the right plan.

Protecting Yourself and Your Home

Homeowners Insurance Los Angeles

 

Figures from a recent Los Angeles Times article suggest that the housing market may see some positive growth this year. Although it seems that economists expected sales to fall during the month of December, a surge of buying took place that hasn’t been seen since 2008.

 

If the trend continues that would mean that more people will be buying homes in 2014, which makes it an absolutely crucial time to consider protecting themselves and their property with homeowner insurance.

 

While it’s true that the rise in purchases was primarily in new homes, that doesn’t mean that there are not potential things to safeguard against. Whatever type of coverage you choose to with SAFECAL can provide you with the best service available and provide you the peace of mind of knowing that your assets are protected.

 

In today’s society it is becoming more and more common for people to file liability claims for injuries or offenses that could even put newly acquired property at risk. Of course, no one would consciously put their new home in jeopardy, but accidents happen and the unexpected can be just around the corner. In this, as in most situations, the old truism holds: “better safe than sorry.”

 

Luckily, living in California means that you don’t have to worry about wind or ice damage to your property, but it does mean that you have to be aware of potential damage from earthquakes or accidental fires, as well as any random acts of vandalism.

 

Protecting your home is always of the utmost importance and our comprehensive plans are catered specifically to your needs. If you need a quote of if you would like more information regarding the types of insurance that we offer, give us a call and we’ll get you the best service your money can buy.

 

Purchasing a new home is a great feeling; one that is only surpassed by the additional peace of mind that comes with knowing that your home is protected in case of any emergencies or any unexpected events.

Los Angeles Commercial Productions Up 18%

Entertainment insurance is becoming more and more important throughout the greater Los Angeles area, especially given the growing number of commercials filmed on location here. In a recent Los Angeles Times article, they reported that the number of commercials filmed on location in Los Angeles was up 18% in 2012 compared to the five-year average. The statistics came from FilmL.A. Inc.

 

The upcoming Super Bowl is one of the biggest drivers for commercial productions in the fourth quarter, especially in the last decade or so. The proliferation of web-based ads has also contributed to the boom in the industry. And because Los Angeles is already home to so many actors, web producers, directors, and visual-effects professionals, it just makes sense to shoot the commercials here.

 

When it comes to this year’s Super Bowl, there will be nine car companies that bought ad space during the game. Of these car companies, three have their U.S. sales operations based in Southern California. And when it comes to shooting car commercials, entertainment insurance is an absolute must.

 

Entertainment insurance protects film productions against the many risks that come with shooting. When it comes to car commercials, entertainment insurance can be purchased for the vehicles not owned by the production. Even though the principle vehicles will be owned, there are usually numerous vehicles involved in these commercials. You can purchase entertainment insurance to cover the many vehicles on set that are hired or rented.

 

And when you’re spending $4 million for a 30-second spot during the Super Bowl, you want to make sure that your commercial is pristine. Entertainment insurance can cover all aspects of your production, from the equipment, props, and wardrobe to the video itself. And with the recent growth of commercial productions in Los Angeles, the need for this kind of coverage is likely to follow suit.

Get Covered California

Here at SafeCal, our licensed insurance agents are working overtime to help get as many residents signed up through the Covered California insurance marketplace as possible. With the deadline to sign up looming, we know that many of our customers feel the urgency of securing health insurance without incurring a possible tax penalty. Fortunately, our agents can take you through the sign-up process and help you secure the best health plan to meet your individual or business needs.

 

There are many advantages to securing your health care at this time. The Covered California exchanges now provide more options for health insurance, often at a lower rate than was previously available. In addition, there are many subsidies available to help offset the cost for lower income residents, making health insurance attainable for more people than ever before.

 

Individuals can also obtain coverage for the whole family. If you have children, you can purchase both medical and dental coverage for them through the new exchanges. Although dental insurance is not yet offered for adults, pediatric dental coverage is especially important. Many dental treatments are best performed during childhood, including braces and wisdom teeth removal. These plans cover your children up to age 19, making both these treatments – as well as regular checkups, cleanings, fillings, etc. – possible while they are still covered under your plan.

 

Small business owners can also secure insurance for their employees through the exchange. If you currently employ fifty people or fewer, you have the option to use Covered California’s SHOP exchange. These plans allow you to customize the amount of coverage you want to offer your employees. There are many advantages to offering your employees health coverage. In addition to tax incentives, offering employees health coverage tends to increase their long-term loyalty and makes them more invested in their jobs. The increase in productivity alone may offset the cost entirely.

 

With all the advantages offered through Covered California, now is the perfect time to get insured. We can help you navigate the exchange and find the right coverage plans to fit your needs. You can get a quote right over the phone.

The Personal Vaporizer: Start Smart in this Booming Industry

We came across a recent story in the Los Angeles Times about electronic cigarettes (also known as a personal vaporizer) and the shops that sell them running into issues with local municipalities. It seems that cities like Seal Beach are, at the very least, apprehensive about allowing these popular stores to operate within their city limits. There are still a lot of unknowns when it comes to the personal vaporizer and, although the popularity of these products is exploding, getting into this business can carry some risks. With that in mind, here are the things we know about electronic cigarettes.

Health is an Issue

Although many consumers think of electronic cigarettes as a safe alternative to smoking, the truth is that we don’t really know about the long-term effects of these products. As with smoking, using the electronic cigarette is a choice that every individual needs to make for himself. But, unlike with smoking, the makers of electronic cigarettes rarely indemnify their retailers against legal action. As insurance providers to many vapor shops, we have dealt with this issue firsthand. Owners of vapor shops should be aware of the potential risks the personal vaporizer could pose and take steps to insure themselves against possible lawsuits.

Local Governments are Skeptical

Vapor shops can bring in a lot of money, but only if they’re allowed to open. With cities like Seal Beach declaring moratoriums on new shops opening (following the same logic as widespread smoking bans), it may be impossible to know when you can open for business. The best course of action would be to open in a city where vapor shops are already popular, such as Temple City or many other municipalities in the San Gabriel Valley. However, the allure of untapped personal vaporizer markets can be tempting; you just have to be careful about fearful politicians.

People Love E-cigarettes

For the most part, your customers will come to you when you open a vapor shop. The popularity of the personal vaporizer is at an all-time high and growing. Many people have touted the benefits of using electronic cigarettes as an alternative to tobacco, especially given the widespread bans on smoking. Others simply love the selection of flavors and opt for nicotine-free versions of this product. In any event, these products do seem to fly off the shelves. Opening a vapor shop can be a great business opportunity; just make sure you take the proper precautions.

Reasons Why Purchasing Life Insurance is a Smart Investment

Whether you are halfway to retirement or in your final month of employment, it is never too late to start thinking about making an investment in life insurance. It is called life insurance for a reason, because guess what is being insured, your life. What are the things you care about the most in your life? You are probably thinking about your spouse or your family. The right life insurance policy protects the lives of your loved ones when you are injured or prematurely passed on. By investing in coverage options with Safecal Insurance, you can secure the financial security of your loved ones.

 

Life insurance, is based on the needs and goals of the individual in the event that they suffer a catastrophic injury or premature death. In exchange for investments, an individual’s beneficiaries can be provided finances from an insurance company after suffering an accident and can no longer provide for their family. With the right insurance policy a person’s family can rest a bit comfortably knowing that they can be provided for.

 

Why is Life Insurance a Smart Investment for Everyone?

 

Most people do not understand the benefits of life insurance, but by securing a coverage policy it will ensure financial security for years to come. There are many customizable plans to choose from and a professional insurance representative will ensure that their clients have enough information to decide which coverage plan is suitable for their needs. Life insurance is a smart investment for reasons including:

 

  • Coverage for medical and funeral expenses

  • Provides loved ones with financial income

  • Supports specific goals

  • Pays off debts

  • Affordable rates

 

After someone passes away that usually means the individual’s family needs to fulfill medical expenses and funeral charges. If the individual does not have the right coverage in place the costs are often high. With life insurance those funds can be covered and minimize financial stress on loved ones.

 

When the primary provider is permanently disabled or passed on, the survivors can be faced with an economic meltdown and need to declare bankruptcy. Life insurance coverage will compensate for the family’s loss of income and assist in stabilizing the situation until the family can provide for themselves financially.

 

Everyone has a goal in life and to get there the need of funds are in great demand. Those affected by the loss can be left with the life insurance investment to make their own investment in a home, college, or small business.

 

Most spouses or families cannot afford to preserve their estate after the primary provider passes on. Taxes, fines and mortgages will pile up and can leave the survivors with a huge financial debt. Life insurance will cover these finances and preserve the family’s estate.

 

When to Consider Life Insurance

 

According to Investopedia, an individual should demonstrate their healthy habits, shop around and talk to their doctor before investing in a life insurance policy. To get an affordable policy the owner needs to meet with their doctor to ensure that they are in good health, because the better health they are in the more affordable rates will be.

 

If the owner has been in an accident that required treatment or surgery the individual should allow time to heal properly and regain their health. The more time that is given to heal is the more chance they have at increasing their life expectancy, and they can make a better decision on which policies are most beneficial.

 

Contact Safecal for a Free Quote

At Safecal you can leave it up to the experts to provide you with the knowledge of coverage that is suitable for your needs. The agent will evaluate your lifestyle and help you find the best life insurance policies that can help provide for your family in the event of a life-threatening misfortune. Take a few minutes to speak with a Safecal representative and get a free quote to protect your loved ones for years to come.