Tag Archives: Restaurant Insurance Lafayette La

Restaurant Insurance Lafayette LA


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Restaurant Insurance Lafayette LA – Great Insurance Policies Are Within Reach!

Restaurant Insurance Lafayette LAGreat coverage on Restaurant Insurance in Lafayette are only a phone call or mouse click away! 

Please call 337-824-4455 to speak with a broker Monday to Friday 8:00 AM to 4:30 PM CST keeping in mind our office is closed for lunch from 12:00 – 1:00 PM.

Did you find us during our lunch break or after closing time and need a quote? 

Please use our quote request system you see below and one of our agents will get back to you soon:

Lafayette Restaurant Insurance – Part 29: Recap

A lot has happened since we first began following the story of restaurant owner Pete Ross, so we thought we’d take a brief look at all the events that have transpired over the course of the last 28 articles. 

It began when Pete Ross asked for a loan from his wealthy parents to start his own restaurant, even though he had no experience with running a business. 

Even before the grand opening of Squeaky Pete’s Pork Emporium, Pete ran into obstacles. A power outage forced him to replace thousands of dollars in food stores because he didn’t have Spoilage Insurance. 

Things didn’t let up after that. 

The restaurant endured a lawsuit when a customer was injured after slipping on some spilled vegetable oil. Thankfully, accidental injury to a visitor was covered by Pete’s liability insurance. 

Not long after that, one of Pete’s employees badly burned himself in the kitchen. The employee’s medical bills and other costs related to the accident were covered by Pete’s workers’ compensation insurance. 

Sometime later, one of the restaurant’s grease traps caught fire, which was made worse when someone attempted to douse the flames with water, which only spreads grease fires! The damage to structural elements of the building like walls, beams, ceilings, etc. was covered under Pete’s Building Property Coverage, and damage to non-structural property like chairs and tables was covered under his Business Personal Property coverage. 

Unfortunately, Pete’s high frequency of claims resulted in his insurance company dropping his policy, as Pete’s restaurant was simply too costly to justify maintaining him as a policyholder. 

Pete’s insurance agent Tracy managed to find a single insurance company willing to insure Pete’s business, but at almost three times the premium rate he was used to. 

To make matters worse, Pete brashly decided to buy the building he had been leasing for his restaurant, imagining that this would lead to an insurance discount. Instead, he now had to take on the added financial burden of insuring the property itself.

Even though Pete bought the building for a steal at $150,000, property coverage is based on replacement cost, which was estimated to be around $1 million. Wanting to avoid a high monthly premium, Pete decided to under-insure the building despite Tracy’s protests.

In our next entry, we’ll recap the events that transpired after Pete purchased his building.

Restaurant Insurance Lafayette LA – Get in touch with Our Agency Right Away.

Talk to Jeff Davis Insurance right away by dialing 337-824-4455.

If we are not immediately available, use the links below based on your area to send us a quote request:

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Restaurant Insurance Louisiana


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Restaurant Insurance Louisiana — Fast Quotes!

Restaurant Insurance LouisianaIf you are seeking Restaurant Insurance in Louisiana then contact Jeff Davis Insurance today for a free quote.

There are two ways you can reach out to us for quotes:

Give us a call toll free at 337-824-4455 before 4:30 PM CST or submit a request for quotes via our simple online quote form available 24 hours a day, 7 days a week.

To access the quote form click one of the links below:

Restaurant Insurance Louisiana – Story Recap

In previous articles we followed the story of Pete Ross, the well-to-do son of business magnates who always wanted to own his own restaurant.

He convinced his parents to lend him the initial capital to start the business with the understanding that they would not be helping him financially anymore beyond this loan.

The opening day of Squeaky Pete’s Pork Emporium is a big success, but was marred by the fact that shortly beforehand a power outage caused a near total loss of the restaurant’s food and ingredient stores.

In last week’s entry, Pete called his insurance agent, Tracy, inquiring as to whether his restaurant policy would cover spoiled food. Unfortunately, Tracy informed him that his policy does not, in fact, cover spoilage. Spoilage must be covered by a special endorsement.

Now that we’re all caught up, let’s see what happens next.

Restaurant Insurance Louisiana – Coverage Scenario Part 3

Pete’s restaurant is doing alright in the weeks following its grand opening. Business is steady and it looks like there’s good potential for growth.

One day, around lunch time, one of Pete’s employees drops a bottle of vegetable oil. The oil spills out all over the laminated floor near the entrance to the public restrooms. The employee shuffles into the kitchen to the storage closet to procure a wet floor sign and a mop bucket to clean up the mess.

Before he returns, a customer exits one of the bathrooms and slips on the oil slick.

The customer falls hard, causing a fracture in his hip and damage to his lower back. A quick 911 call brings an ambulance.

While he is being carried out of the restaurant on a stretcher, he vows to sue the pants off of Squeaky Pete’s Pork Emporium for his injuries.

Pete once again calls Tracy, his insurance agent.

He explains the situation and asks whether his restaurant insurance will cover the customer’s injuries.

What will Tracy tell Pete? Find out in our next entry.   

Restaurant Insurance Louisiana – Call us Toll-Free at 337-824-4455!

If you would like to speak with a licensed agent about your current policy, a future policy, a free quote, or anything else related to your insurance then don’t hesitate to call 337-824-4455 right away!

Our office hours are Monday through Friday 8:30 AM to 4:30 PM CST.

To get started on a free quote right now, simply click one of the links listed below pertaining to your area and fill out the short form that appears:

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