220 High St.
Chestertown, MD 98765
Running a food service business is hard enough without having to worry about suffering a large financial loss due to unexpected, unfortunate events. Food service insurance can protect your business from some of the more common damages experienced by business owners. Though your business might not need every type of coverage, it's good to know some of the types of insurance coverages that are available whether your business is a restaurant, food truck, or catering service. Carrying the correct coverage can mean the difference between losing your business after a loss or recuperating with minimal interruption and financial loss to your company's operations.
These policies generally have greater liability limits than personal vehicle insurance policies. Provisions that cover employee-owned vehicles and/or rented vehicles which are driven for business use can also be written into commercial auto insurance policies.
Property insurance protects your business from losses incurred from damage to your business property. This can include the physical building and property owned by the business.
Liability Insurance protects your business from economic losses and expenses linked to claims of bodily injury, property damage, or injury to your reputation from slander and libel. This insurance will also protect your business against false or misleading advertising.
Income insurance and extra expense coverage helps to pay bills and cover payroll, working with your property insurance to cover events cause physical damage or loss beyond your control.
Equipment breakdown insurance covers all type of business equipment in the event of breakdowns. Breakdown can be the result of mechanical issues, problems in the electrical system, damage by power surge and more.
With so many different types of food service insurance policies available, it's important to speak with a knowledgeable agent. The kinds of insurance that you should purchase for your business depend upon the individual risk aspects of your specific business, and the types of losses you want to protect against. Let licensed independent insurance agents at Hogans Agency provide you with information on different policy and coverage options. You can also get a free rate quote online. Or if you prefer personal contact, call one of our Commercial Insurance Agent experts today.
"The Hogans ®Agency has been with us through every step of our journey and have become an extension of our team. They are true business partners. Matt and his agents are proactive and always seem to be one step ahead of every business decision that we make. They are a remarkable, hardworking, professional group! Hands down, the best in the industry.”
“I called Hogans® for a Homeowners and Auto quote and spoke to Drew. He was very quick in getting me my quote back and was a pleasure to deal with (I also saved over $250.00 from another policy). Great experience.”
"We have been associated with The Hogans® Agency for both our personal as well as business needs for roughly 30 years. This relationship has included the Real Estate and Insurance groups. Their overall level of industry knowledge and service is exceptional. In the relentless challenge of increasing costs of our Health Insurance for 37 employees, Hogans Agency has tirelessly sought options that provide the level of coverage for the employees at the lowest increases reported by other companies in the region and nationally. They have also been very active in securing Bonds for our construction projects. They are an excellent strategic corporate asset and attend to personal requirement with the same energy."
"Normally I am very reluctant to refer or recommend any person or service. However in the case of Hogans® I have reached the point where I have no reservation at all. They are truly a full service Independent Agency. Which certainly is evident when you come to the bottom line of your quotes."
"The Hogans® Agency was thorough and treated our situation with dignity and respect. They used their personal small town touch to deliver top-drawer, big city policies which resulted in an enormous cost savings without losing any coverage. The staff is super responsive and answers all correspondence quickly, politely and with the “Hogans’ flare”. We recommend Hogans with complete confidence that they will do the absolute best for all their customers. Thank you Hogans!”
"I have been a customer of Hogan's Insurance for over five years and have been very satisfied with their service. Chuck Woodfield has been my agent, and, over the years has been professional, courteous, and above all, accessible. Any claims, such as hurricane haul outs were settled in a timely manner with no questions asked. Last year, I had a grounding which could have ruined my charter season. The repairs were begun as soon as we hauled out, and with the help of Hogans' adjuster, everything was repaired or replaced in less than two weeks. Perhaps the best endorsement I can give for Hogan's is the fact that after one year of coverage, Chuck found a better policy for a cheaper price. I have never had an insurance company decrease my rates, and I plan on sticking with the company who is looking out for my best interests.”