If you’ve shopped around for restaurant insurance quotes in Washington, DC, then you know how much of a price difference there can be from one company to the next.  Not only that, but trying to sort out what type of coverage you need can be a daunting task.

Don’t try to go it alone!  Call Ashcraft Associates instead, and sit down with one of our seasoned agents.

We’re an independent agency, which means we’re not tied to a specific company and a narrow range of products.  We work for you, and have relationships with a number of insurance companies, which means that after we assess your needs, we can shop around and get a number of restaurant insurance quotes in Washington, DC, and find the perfect policy for you, at the perfect price.

Just to give you an overview, let’s talk about some of the big drivers that increase the price of the restaurant insurance quotes you’re likely to get in Washington, DC:

  • Workers’ Compensation Insurance – Generally speaking, this is one of the biggest drivers of insurance expense.  Nationally, the average is about $100 per employee, per month, and it’s required by law in most states.
  • General Liability – While not a huge driver of cost, this type of insurance is absolutely essential, as it protects you from the most common types of suits customers bring against business owners.
  • Property Liability – Another one that won’t add enormously to your total monthly premium, but that should be considered essential.
  • Food Contamination – This is a highly specialized policy that’s not much use outside of the food services industry.  It protects you from financial loss due to food spoilage.

While the “Big Four” are the main factors that increase the price of your restaurant insurance quote in Washington, DC, there are other elements that will add to your premium costs as well.  These include:

  • Auto Liability – This one only matters if you’ve got one or more vehicles registered to your business.  If you do, this one’s indispensable. If not, you don’t need it.
  • Specific Peril Insurance – If you’re worried about floods or earthquakes, this is the policy for you.  If you’re not in an area where these things are an issue, you don’t need this either.
  • Loss of Business Insurance – If you’re worried about losing sales due to a specific, predefined cause, this type of policy can help you recoup some of the lost income.

Again, finding the right policy, with the right provisions, at the right price can seem like an overwhelming task.  Don’t go it alone! Let us put our expertise to work for you. We’ll make sure you get the combination of coverages best suited to your needs to ensure you’re fully protected.