Restaurant, Bar & Tavern Insurance
Clarksburg, Fairmont, Morgantown

Lower your insurance costs and improve your bottom line with superior risk protection designed for you with our exclusive national restaurant program.

A Proven Safety Program

We create custom, strategic safety plans that are proven to reduce your workers compensation costs by directly addressing your experience modifier. A key part of successfully reducing your total cost of risk is our proprietary injury and illness prevention program, which includes behavior-based safety coaching and workshops delivered by a certified restaurant safety trainer. Our critical program components include:

• Unique safety workshops, safety calendar, and lesson plans
• Behavior-based safety coaching that works
• New hire checklist and safety screening
• Employee incentive and mentoring programs
• Personal Protective Equipment (PPE) training programs
• Management accountability programs

Aggressive E-Mod Reduction Program

Claims management is critical to reducing your e-mod, and thus your premiums. Therefore, all claims are monitored weekly or monthly, a unit stat filing is made for each client, and our claims professionals aggressively manage both new and old claims.

When you look at your total cost of risk, the medical and indemnity expenses are really just the tip of the iceberg—for every one dollar spent on claims, you can expect to pay another six to ten dollars in downtime, training replacements, overtime, investigation time, and a myriad of other hidden costs. With our claims management and safety program you can reduce these costs.

Benefits of Our Unique Safety Program

With the support of your company's top leadership, you can change the safety culture of your company with a proven plan. You will improve safety awareness and behavior, positively impact your workers compensation, property, and liability claims, prevent claims, minimize losses, and lower your premiums. We help you identify the strengths and weaknesses in your company's safety culture, then build on the strengths and minimize the weaknesses.

Our program provides the critical insurance coverages you need to properly protect your store locations. When designing your insurance package, you benefit from:

• Competitive premiums and solutions tailored specifically to meet your needs
• Claims reporting department available 24/7 to better serve you
• Prompt claim resolution
• Effective loss control assistance to help you prevent claims before they happen

Employee Benefits

Our strategic benefit plans designed specifically for the unique challenges within the restaurant industry have saved our clients thousands of dollars while streamlining COBRA administration and increasing product offerings.

Administrative Efficiency

Dedicated service team with bilingual support, claims assistance, open enrollment support, customized enrollment materials, and a proactive approach to renewals and implementation.

Employee Productivity

Expedited enrollment processing, employee communications and wellness, employee web portal, and benefits statements.

We offer the following products, which are offered on a fully-insured or partially / self-funded basis:

• Health
• Dental
• Vision
• Cafeteria / FSA / Section 125
• Health Reimbursement Accounts
• Health Savings Accounts
• Life / AD&D
• Short-Term Disability
• Long-Term Disability
• Supplemental Products

As a trusted steward for our clients' benefits, our goal is to work hard to continually meet your needs. We look forward to providing a competitive benefits package to you and your employees.

Fees may apply