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What Restaurant Owners Need to Know About Umbrella Insurance

Posted by David Ross on Sat, May 21, 2022

Umbrella Insurance Tips for PA Restaurant Owners: Philadelphia, Pittsburgh, Erie, Harrisburg, Allentown, Lancaster, Reading, York, Lebanon and throughout PennsylvaniaThe right Restaurant Insurance helps protect your restaurant from losses, such as injuries, property damage, and lawsuits. For example, if your delivery van is involved in an accident, commercial auto insurance covers the cost of legal bills, medical expenses, and property damage up to your policy's limit. Another example is if a customer falls and injures themselves while in your restaurant, general liability insurance helps pay for medical expenses up to your policy's limit. 

One key phrase in those examples is "up to your policy's limit." 

What are Policy Limits?

A policy limit caps how much an insurance company will pay when you file a claim. The amount of that cap is determined when you purchase your policy. 

With general liability, professional liability, and errors and omissions insurance, there are two types of policy limits:

  • Per-occurrence limits determine the maximum amount a policy will pay for one particular incident.
  • Aggregate limits determine the maximum amount a policy will pay for all claims within a policy period.

 Unfortunately, we live in a litigious society, and one significant lawsuit settlement that is higher than your policy's limit could put you out of business. Typically, you do have an option to increase your limits on each policy, but that can become costly, which is where commercial umbrella insurance helps.

 What is Commercial Umbrella Insurance?

Commercial Umbrella Insurance offers additional coverage on liability claims on your existing insurance policies. If a claim is higher than your policy's limit, it provides a buffer or safety net. 

For example, let's say a customer slips and falls in your restaurant, hits their head, and experiences a debilitating injury. They sue your restaurant for medical expenses, lost income, and other costs, and you agree to a $2.5 million settlement. If your general liability policy limit is $2 million, you will be responsible for paying the difference. In this example, $500,000. Would that have a negative effect on your finances? Could your restaurant survive this type of lawsuit? 

Commercial Umbrella Insurance does not provide primary liability coverage. It only goes into effect when a claim exceeds the policy's limits. 

Who Should Purchase Commercial Umbrella Insurance?

Small to medium-sized business owners often don't think they will be involved in a lawsuit. However, according to a United States Small Business Administration (SBA) study, 36 to 53% of small businesses are involved in litigation every year. Furthermore, "Owners mentioned that the payment of damages nearly put them out of business, which affected them for a long period of time as they worked to rebuild the business and recoup their losses."

 A Forbes article offering litigation prevention and mitigation tips states: "On Insurance. Get it! … If something does go wrong, your insurance may be able to limit your exposure and risk." 

To determine if you should purchase Commercial Umbrella Insurance, ask yourself these questions:

  • Is there a chance that I can get sued?
  • Do I have enough funds to cover a lawsuit if it exceeds my insurance limits?
  • Do I want to pay less for higher coverage amounts (instead of increasing individual policy limits)?

How to Get the Best Rate on Commercial Umbrella Insurance?

If you need more help determining if Umbrella Insurance is right for your restaurant and ensuring that you get the best rate on all of your insurance needs, give the independent agents at American Insuring Group a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Tags: Umbrella Liability Insurance, Restaurant Insurance, Umbrella Insurance

What Contractors Need to Know About Hiring Subcontractors

Posted by David Ross on Sat, Jun 05, 2021

Contractors Insurance is key to the success of any contractor or construction company in PA from Philadelphia to Pittsburgh and Allentown to Erie.Contractors Insurance is key to the success of any contractor or construction company. The right insurance helps protect your company from employee injuries, litigation, or damage caused as a result of your work.

Hiring subcontractors – as many contractors do – creates additional liability and insurance considerations you need to consider if you want to ensure your business is adequately protected.

What is a Contractor?

If you Google "definition of a contractor," here's what you get – "a person or company that undertakes a contract to provide materials or labor to perform a service or do a job." A contractor solicits business, negotiates deals, obtains the contracts, and oversees the project. In the construction industry, a contractor typically works directly with the property owner.

What is a Subcontractor?

Many contractors hire subcontractors – a type of contractor - to assist with a small part of a larger project. Often a subcontractor will specialize in a specific skill, such as insulation, drywalling, tiling, etc. Google "definition of a subcontractor," and you get "a business or person that carries out work for a company as part of a larger project."

In construction, a subcontractor typically works directly with the contractor, not the property owner. His contract is with the contractor. However, a subcontractor is not an employee of the contractor.

Subtractor Liability Considerations

When something goes wrong during a construction project, who is held responsible? What if a subcontractor is injured? Or the subcontractor's part of the job isn't completed on time? Or there is faulty workmanship on the part of the subcontractor? Someone needs to be held accountable and pay for the damage or injury.

According to National Forensics Consultants, "These questions have posed problems for legal teams for decades, and as the [construction] industry grows, the more complicated matters become." Often, the general contractor is held responsible, but there are steps contractors can take to protect themselves:

  • Only hire subcontractors that you trust and have a reputation for doing quality work and honoring agreements.
  • Draft comprehensive contracts that include detailed information about what is expected of the subcontractor – What they will do, when they will complete it, how they will get paid, etc.
  • Ensure the subcontractor is appropriately covered by insurance.

Subcontractor Insurance Requirements

You may be able to add subcontractors to your insurance policies as an additional insured for the project's duration, or you may prefer, they carry their own insurance. Here are the types of insurance you may want to consider requiring of your subcontractors.

General Liability Insurance (Aka Business Liability Insurance)

General Liability Insurance helps cover costs such as medical expenses and legal fees if someone is injured or property is damaged as a result of your services.

Workers' Compensation Insurance

General Liability Insurance does not cover employee injuries. If an employee is injured on the job, Workers' Compensation Insurance covers medical expenses and lost wages. It also helps protect the employer from being sued by an injured worker. In Pennsylvania, most employers are required to carry WC. However, if the subcontractor is a one-man-show, it probably isn't required (but is a good investment).

Professional Liability Insurance (aka Errors and Omissions Insurance or E&O Insurance)

This type of insurance protects you if there is a claim against your business due to negligence, mistakes, or failure to deliver as promised.

Business Auto Insurance (Aka Commercial Auto Insurance)

Business Auto Insurance is a type of liability insurance that covers vehicles owned by a business. The general rule of thumb is that if a vehicle is used for tasks related to the business, a Commercial Auto Insurance policy is required. Many business uses or vehicle types can be excluded from personal auto Insurance policies.

Umbrella Insurance (Aka Excess Liability Insurance)

Umbrella insurance increases the policy's limits and provides additional protection against catastrophic losses.

How to Ensure Your Business is Protected

The agents at American Insuring Group specialize in contractor's insurance. We can make sure you have the right insurance protection, and – as independent agents – we will compare the cost of that coverage among several companies to ensure you get the best price on that coverage. Give us a call today at (800) 947-1270 or (610) 775-3848 or connect with us online for a free estimate.

Tags: Construction Insurance, Contractor Insurance, Professional Liability Insurance, Umbrella Insurance, Commercial General Liability Insurance

Business Insurance and Your New Year's Resolutions

Posted by David Ross on Tue, Feb 11, 2014

Did you remember business insurance when making your new year's resolutions? Here is why you should have.Be honest!  Did you make any New Year’s resolutions this year?  If you did, you weren’t alone.  According to Statistic Brain, 45% of Americans “usually” make New Year’s resolutions, and according to Constant Contact®, 53% make business-related resolutions. 

Statistic Brain found that losing weight is the number one New Year’s resolution for 2014 – no surprise there.  And number two?  The second most popular resolution for 2014 is – drum roll please - getting organized.  Now if losing weight is on your list, there are many other organizations more suited to helping you than an insurance company (unless you want to know how weight could possibly affect your life insurance premiums).  However, a good insurance agent can help get your business organized.

Getting organized isn’t just about “A place for everything, everything in its place,” as Benjamin Franklin said.  It’s also about having everything you need so your business can run smoothly and profitably.  The right business insurance can help your business do just that - and protect it by minimizing financial risks associated with unexpected events.

Commercial Liability Insurance

First, you should consider liability insurance to protect your company’s assets in the event that someone gets hurt on your property or you (or one of your employees) cause property damage or injury.  Even if you doubt you’ll ever face a claim, we live in a litigious society; purchasing liability insurance is a wise and affordable investment.  There are a wide variety of commercial liability insurance options such as general liability insurance, product liability insurance, and error and omission insurance. 

Commercial Property Insurance

Commercial Property Insurance is another insurance to consider.  It covers everything related to the loss or damage of company property due to events such as fire, windstorm and hail, smoke damage, vandalism, theft, and more. “Property” may include lost income, business interruption, and company papers, as well as equipment and buildings.

Commercial Vehicle Insurance

If you use a vehicle – whether you own it or not – for any purpose other than driving to and from work, you should check your existing insurance policy to see if you need a commercial vehicle policy.  Standard vehicle insurance coverage includes bodily injury and property damage liability, personal injury protection, and physical damage to your vehicle including comprehensive and collision coverage. 

Worker's Compensation Insurance

Worker’s Compensation Insurance is mandatory in most states (including Pennsylvania), and covers employees for work-related injuries.  A typical "workers comp" insurance policy pays lost wages and medical expenses incurred due to a work-related accident and protects the employer against accident-related lawsuits.  

Business Umbrella Insurance

Finally, umbrella liability insurance is a type of commercial insurance that covers a small business for liability claims that exceed the underlying limits of liability coverage.  Umbrella policies are a type of commercial insurance that adds an extra layer of public liability insurance protection.  

Today is the time to review your business insurance needs. We help customers with all types of commercial insurance, from Reading, PA to Philadelphia, Allentown, Lancaster, Harrisburg, York, Erie, Pittsburgh and points in between. Call us today for a no-risk analysis of your business insurance needs.Now is a Great Time to Review Your Business Insurance Needs

Whether “getting organized” is on your list of 2014 New Year’s resolutions or not, now is a great time to review your insurance policies to ensure that you have the right coverage to protect your business and allow it to run smoothly.  AIG would be very happy to help you with this resolution.  Contact us at (800) 947-1270 or (610) 775-3848 to arrange a policy evaluation.  Then you can sit back and enjoy your well-ordered office space, knowing that it’s protected.

Unfortunately, you’ll have to call someone else if you want help losing weight!


Tags: Umbrella Liability Insurance, Workers Compensation Insurance, Commercial Vehicle Insurance, Umbrella Insurance, Commercial Insurance, Business Insurance, commercial property insurance

Stuff Happens - Is Your Business Insurance Backing You Up?

Posted by David Ross on Wed, Dec 18, 2013

How Much Commercial Insurance Protection Do You Need?

Free business liability insurance guide: 7 Things You Must Know to Protect Your BusinessIf you’re considering starting or have already established a business, you may be wondering, “Do I really need any special liability insurance for my business?”  Establishing and growing a business is hard work.  It’s an investment of time and money, and it’s important to protect that hard work against unforeseen circumstances.  Even though we may not want to think about it, like Forrest Gump said, “stuff” happens. Even if you work from home and think your home owner’s insurance covers you or if you’ve filed as an LLC to protect your assets, your business may not be as safe from catastrophic loss and possible bankruptcy as you think.

Business Insurance When You're Unable to Work

What if you become sick and can’t work?  What if one of your customers sues you?  What if a fire forces you to shut your business down for a period of time?  Have you thought about how you will protect your finances, your business, and your employees?  The right insurance can help protect these very important assets.  Here are four major categories of business insurance protection you, as a business owner, need to consider. 

Business Liability Insurance (A.k.a. Commercial General Business Liability)

Liability insurance helps protect your company if someone gets hurt on your property or if you or an employee causes property damage or injury.  Liability insurance also protects you as a tenant if you cause damage to a property you rent, and it covers claims of false or misleading advertising, including libel, slander, and copyright infringement.  This insurance helps cover medical and legal defense costs and settlements if you are successfully sued. 

Many small business owners can’t imagine ever being sued, but the fact is that we live in a very litigious society.  Liability insurance is a wise and affordable investment for any business.  It can be purchased individually or included as part of a Business Owner’s Policy (BOP) that combines liability and property insurance into one policy.  It’s a good idea to make sure you have enough liability coverage if you have a BOP. 

Umbrella Liability Insurance

Umbrella liability insurance is designed to protect your business against catastrophic losses that exceed the limits of other policies or for losses not covered by other policies.  Think of it as an upgrade to your existing business, homeowners, and auto insurance that goes above and beyond.

Business Interruption Insurance

Business interruption insurance helps protect against financial loss in the event that your business is prevented from generating revenue. It helps pay for operating costs (such as rent, utilities, and payroll) and lost profits if your business is forced to shut down for an extended period of time, such as during a natural disaster that either forces your business to close or requires repairs to be made to the property before business can resume.  Business interruption insurance can be added to your property insurance policy or purchased as part of a BOP.  

Overhead Insurance

Overhead insurance is designed to protect the operations of your business if you suffer from a major accident or illness and become unable to work.  Overhead insurance helps cover business expenses such as salaries, utilities, interest payments, insurance premiums, and rental payments.

Putting Together a Business Insurance Plan

You’ve worked hard to make your business a success.  Don’t let someone or something take it all away from you.  Take the necessary steps to protect it with the right business insurance.

Free Report: 7 Things You Must Know to Protect Your Businesss 

For more information, click here for our report, 7 Things You Must Know to Protect Your Business

Free business liability insurance guide: 7 Things You Must Know to Protect Your Business

Need help in figuring out the right level of insurance to properly protect your business? Call us today at (800) 947-1270 or (610) 775-3848 or Contact Us by email. We're independent agents representing over 25 brands of insurance. We'll find the right coverage at the right price to meet your needs.

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4 Top Reasons for Using an Independent Insurance Agent

Posted by David Ross on Sat, Oct 05, 2013
Your Trusted Choice independent insurance agent serving Berks County, Reading, PA, Philadelphia, Lancaster, York, Harrisburg, Allentown, Bethlehem, Pittsburgh, Erie, Pennsylvania and beyond

Considering the millions of dollars spent daily on TV commercials for single-brand insurance offerings, you would think that the independent insurance agent is a thing of the past. It's tough to go an hour on TV without seeing at least one commercial for AllState, Nationwide, GEICO, State Farm, or other single brand ("captive") insurance solution. That's because with few exceptions, only the big brands can afford to run national TV ads.

Bigger May Not be Better When it Comes to Insurance

Most people realize that big budget advertising does not necessarily equate with the best solution for all kinds of things in life. That's why, for example, many people avoid the pay-per-click ads found on search engines and instead click on the unpaid search results: they seek a high-quality answer to their search instead of one paid for by the competitor with the deepest pockets. In plain English, they don't want to be "spun" by the marketing machines behind the ads.

Let's apply the same thinking to an independent insurance agent vs. the mega-brands. Here are 4 reasons why an independent agent is likely to provide a superior personal or business insurance solution to satisfy your needs.

#1. Your Needs are Unique and Your Insurance Policy Should Fully Meet Your Needs

Insurance is complicated. It is difficult, if not impossible, for those outside the insurance industry to understand all the insurance options for meeting their needs. Only an independent insurance agent understands the pros and cons of each insurance company and their policy offerings as it pertains to protecting you against your unique combination of risks and liabilities.

#2. Independent Insurance Agents are a Valuable Advocate, and They Cost You Nothing

Your independent insurance agent will check multiple companies and insurance solutions in detail to arrive at the best combination of value, price, and insurance protection to properly and fully address your individual or business insurance needs. That can be very time-consuming, but that service typically costs you nothing.

#3. Your Independent Agent is a Single Source for All Your Insurance Needs

Insurance companies typically handle only certain types of insurance. However, your independent insurance agent handles insurance from multiple companies, thereby covering virtually any need, including business insurance, homeowners and car insurance, boat, RV, and motorcycle insurance, life and health insurance, umbrella insurance, pet and vacation insurance, workers compensation insurance, disability insurance, and virtually every kind of liability insurance to protect any type of business need. Being a single source with access to multiple insurance companies and solutions, your agent can create the best blend of policies to provide the right protection with minimal overlap and waste between and among your insurance policies.

#4. Unparalled Service

When you have an insurance question or need, your independent agent is there for you. You are not relegated to a faceless, nameless individual connected to an 800 number. Instead, you have the comfort and confidence of dealing with someone who you know, like, and trust for all your insurance needs. Think about it. Doesn't that kind of service and flexibility mean more to you than putting yourself in the hands of someone you don't know, and who offers only one solution or brand? 


We're Independent Insurance Agents, and We're Ready to Serve You

At American Insuring Group we pride ourselves in helping our customers not only save on insurance, but also in finding the right insurance protection. We'll put together a plan that will meet your needs, and we'll review your needs on a regular basis to see if it may be time to adjust your insurance to meet your changing needs, or to take advantage of better pricing that may become available as your needs change. Contact us today for a free consultation.

Learn more. Contact American Insuring Group today to learn about your options for business insurance, personal insurance, health and life insurance, car and house insurance, commercial liability insurance and more.

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Umbrella Insurance: Get Protection for Your Income & Assets

Posted by David Ross on Thu, Jan 10, 2013

Do you need umbrella liability insurance? Tips for individuals and business owners in Reading PA, Berks County, Allentown, Pittsburgh, Erie, Harrisburg, Lancaster, Lebanon, York, Hershey, Philadelphia, and beyond.Are You at Risk?

Even if you have good automobile and homeowner’s insurance, you may be liable for excessive damages resulting from a major lawsuit.  Consider what would happen if you were to injure a doctor, lawyer, or other highly paid professional in a car or other accident that prevented him from earning his regular income for the rest of his life. A court could easily award damages far exceeding the limits of your auto, watercraft, or homeowner’s insurance policy. Such damages could drastically alter your lifestyle for many years to come.

That’s where umbrella liability insurance comes in.  The right policy will provide the additional protection needed to withstand such an event. 

You May be at Higher Risk for a Lawsuit

Higher-income individuals who cause an accident have a far greater risk of being sued as lawyers seek out those with deep pockets. In such cases an umbrella policy may provide the protection that could be the difference between maintaining your lifestyle vs. paying punitive damages out of pocket for the rest of your life.

An Umbrella Liability Policy May be More Affordable Than You Think

Umbrella liability insurance tends to be more affordable than other types of insurance because it comes into play only after your other insurance has been exhausted.  For example, a $1,000,000 umbrella policy would cover up to an additional $600,000 of protection on a homeowner’s policy with $400,000 of coverage. The same principle applies to automobile and watercraft insurance. Increased savings may be found by purchasing your umbrella policy from the same insurance provider as for your home, car, commercial property, or watercraft.

Commercial Property and Umbrella Insurance

Are you a business owner or landlord? If so, you are at greater risk of incurring a lawsuit. Landlord insurance in the form of an umbrella liability policy can provide additional protection against lawsuits from tenants, as well as from being sued for slander or libel by disgruntled employees.

Do You Have an Adequate Umbrella Policy?

If you would like help in obtaining the right level of insurance protection then please click to contact us, or call us at 800-947-1270.

Affordable umbrella liability insurance for Reading PA, Berks County, Philadelphia, Allentown, Harrisburg, Lancaster, Lebanon, York, Pittsburgh, Erie, Pennsylvania and beyond.

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Understanding Small Business Insurance

Posted by David Ross on Sat, Feb 11, 2012

Understanding Commercial Insurance Can be One Tough Job!  

Being a small business owner today is a tough job!  Between rules and regulations, licenses and taxes, and banking and commercial insurance, it sometimes seems you need your own board of directors just to help manage your business!

At American InsurinUnderstanding your business insurance needs for commercial insurance, workers compensation, umbrella insurance | Reading PA, Philadelphia, Lancaster, Harrisburg, York, Allentown, Bethlehem, and Erie, Pennsylvaniag Group, Small Business Insurance is our specialty.  We can help you, the business owner, understand not only what commerical insurance protection your company needs, but also what business insurance is required of you to satisfy legal requirements.

Our office represents over a dozen "A" rated general insurance companies that specialize in small business insurance and we have access to dozens more specialty commercial insurance companies that fill specific small business insurance needs for our clients.

So How Many Types of Liability Insurance Are There?

The commercial insurance needs for a business owner can be daunting.  First, there is Public Liability Insurance that is a must to protect the business from lawsuits and claims for injuries or property damage to others.  But Public Liability Insurance isn't that simple.  What type of liability insurance protection do I need?  Is Premises Liability Insurance enough?  What if I leave my business location and go to someone else's home or business location?  Does my Liability Insurance cover me there as well?  What about when I finish a job and leave?  Do I have Completed Operations coverage if sometime later, after the job is finished, someone is hurt by my work or property damage is caused?

Are you a business owner who makes something, sells something, or just handles products someone else makes?  Do you have Product Liability Insurance coverage included in your General Liability Insurance coverage?  What if you harm someone's reputation or cause someone to lose sales, and they look to you for compensation? Personal or Advertising Injury Liability coverage protects the business owner from these claims.

What if an employee claims that you fired them under false pretense?  Or they make an allegation of harassment against you?  Employment Practices Liability Insurance is the protection that any business owner who employs someone must have to be protected.

There are many extentions of Public Liability Insurance the business owner should understand and use to be protected from the unexpected.  At American Insuring Group LTD., our licensed agents have the understanding and experience in Commercial Insurance to help you determine your insurance risks and to identify the insurance solutions to properly cover your businss. 

Workers Compensation Insurance - Are You Operating Legally?

Then, there is Workers Compensation Insurance for the small business that employs people. Most states require the business owner to cover employees for work related injuries.  What if you are a corporation without any employees?  States consider Workers Compensation Commercial Liability Insurance | Reading, PA, Philadelphia, Harrisburg, Lancaster, York, Lebanon, Harrisburg, Erie, Pittsburgh, Allentown, Bethlehem, Pennsylvaniaa corporation to be its own entity, and even you, the owner (officer), are considered an employee. Therefore you must either have Workers Compensation Insurance coverage or have the proper exclusion paperwork filed with the Department of Labor and Industry. At American Insuring Group, our licensed staff can help you with all the forms necesasary to be legal. 

Not only does Worker Compensation Insurance cover medical bills and lost wages for employees who get hurt during working hours, but there is a second business insurance coverage that is included with most policies.  Employer's Liability Insurance covers the business owner if an employee presents a claim against his employer for alleged negligence for his injuries.  An example of this is an employee who cuts off his finger on a machine.  Workers  Compensation Insurance would pay medical bills and lost wages, but if he claims the business did not properly maintain the equipment and now he must live life without a finger, the business owner would have protection from such a lawsuit under Employer's Liability Insurance.

Liability Insurance and Worker's Compensation Insurance covers only some of the insurance needs for the business owner. Other types of coverage include: Property Insurance protection, Van Insurance for your business vehicles, Umbrella Insurance for excess insurance protection, Bonding for the contractor's needs and Group Medical Benefits for your employees.

We Can Help You Make the Right Liability Insurance Decisions for Your Business

At American Insuring Group LTD, we take the time to understand your business so we can make sure every exposure to risk is discussed and covered by our small business insurance policies.  Call us today at 800-947-1270 or email me at I would love to meet or talk to you and help you understand your business insurance needs.  If you already are covered by insurance, a second opinion may often uncover coverage gaps or missing insurance coverage that is needed. 

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