Food and beverage businesses come in all shapes and sizes. At Midwest Insurance Group (MIG), we understand that your concerns are unique. We work with a variety of clients in the industry every day, each with different needs.
Some of our clients run seasonal operations, dependent on customers from tourist attractions or sports venues. Some maintain high value inventory prone to spoilage. Others need to manage intricate production processes and complicated supply lines, or else handle their point to point fleet and logistics issues in house.
In short, MIG agents can and will take the time to understand the unique exposures that you face on a day-to-day basis. Here are a few examples of food service operations we support with our custom insurance programs:
As a member of both the Wisconsin Restaurant Association and the Tavern League of Wisconsin, MIG is committed to keeping up to date on the concerns in the industry. We help our clients understand critical state level risks, such as how they might improve food safety or cover against liability under liquor and dram shop law claims. We also constantly update our industry specific OSHA materials to help you maintain compliance.
Securing Your Operations
When you think about the operational side of your food service business, one of the first risks that probably comes to mind is employee injury. While MIG does have return to work programs, safety checklists and training programs to reduce this type of risk, there are other concerns that tend to get overlooked in general business policies.
For example, your current insurance may not protect you against losses stemming from outside claims of discrimination or harassment against your employees. You would need a specific third-party employee practices policy for that. You also may be unaware that cyber criminals are opportunistic.
Individuals have a habit of causing huge losses to small businesses, especially restaurants by stealing credit card numbers and other customer information. Our agents will help you identify, assess and protect against these types of complex risks.
Thinking About the Future
Every solution we develop is different, based on our clients specific needs. For example, here is a selection from the MIG restaurant, food and beverage coverage features:
- Affordable liquor liability up to $1,000,000
- Spoilage on food stock
- Food contamination, with business income and expediting expenses
- Coverage for food trucks and trailers, including loss of income
- Breakage of dishware and glasses
- Employment practices liability, including third-party coverage
- Cyber Liability
- Carriers that accept all lines of restaurant, tavern and food-and-beverage coverages
- Multiple AM Best A rated insurance carriers
Please feel free to give us a call at 262-646-5777
How May We Help You?
“We are happy with the competitive rates and excellent service we receive from Midwest Insurance Group. Jeremy has helped us manage our insurance needs and costs from start to finish and we have a great relationship with everyone at their Delafield location.”
Vector Electrical Contractors, Inc. |
“Midwest Insurance was one of the few insurance companies that was willing to work with us to provide a solution for our small business medical insurance needs. As we have grown, Midwest has continued to provide additional business insurance solutions and services for our needs. They are honest, easy to talk to, and there when you need them.”
CNC Solutions |
“Brandon Knedler is our insurance expert, an invaluable resource in understanding our industry and insurance needs and explaining all aspects of the insurance coverages necessary to keep our business covered. Midwest Insurance was there for us when we needed them, even on the weekend when disaster struck. We survived a fire and are now thriving because we had the coverages we needed. Total Auto Body is still relying on Midwest Insurance, knowing that we have it covered no matter what.”
Total Auto Body |
“I am a very satisfied customer of Midwest Insurance. They have offered me a wide variety of coverage for my Business. My agent has been outstanding to work with. His understanding of the Insurance industry and attention to details required for the needs of my shop has been a great relief. To know that my business is covered and the price is affordable make me a very satisfied customer.”