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bop Archives - Horan Companies - A Central New York Insurance Agency

A CNY restaurant owner reviews his business policy to understand his premium cost.Business InsurancePersonal Insurance

Restaurant Insurance: How much does it cost?

Opening a restaurant is an exciting and rewarding venture, but it also comes with many risks and challenges. One of the most important aspects of running a successful restaurant is having adequate insurance coverage to protect your business, your employees, and your customers. But how much does restaurant insurance cost, and what factors affect the price? In this article, we’ll answer these questions and help you find the best insurance policy for your restaurant. As a CNY insurance agency in the heart of a restaurant-friendly town, we understand the unique challenges and opportunities that restaurant owners face. We’ve been providing…
August 7, 2023
Blog Post - Over-InsuredGeneral Topics

Yes, you can have too much coverage.

Ask most insurance agents, and you’ll get the same answer: “You can never have too much insurance” they’ll say. Well, if that were true then we’d all be insuring our chest hair like Tom Jones, or our booties like J-Lo. Tom and Jen aren’t over-insured. You, me, and pretty much everyone you know, would be over-insured with those policies.  Being over-insured doesn’t have to just be about some money-making body part. There are many ways you can become over-insured. These are the policy types that are most often selling you more than you might need:      1. Homeowners Insurance…
February 17, 2022
Business InsuranceCommercial Endorsement

What is Mechanical & Electrical Breakdown Insurance?

Question 93 in 100 Insurance Questions in 100 Days Video Series! Restaurant refrigeration suddenly ceases up and quits overnight due to a power surge. Equipment is damaged, food is spoiled, and you have to close for 3-days.  You've lost income, your staff has lost pay, inventory must be replaced, and the refrigeration needs replacing. Typical business insurance policy...what happens? Watch this brief video explanation to learn more.
November 7, 2017
Business InsuranceCyber Liability Insurance

Should a small business buy data breach insurance?

Question 36 in 100 Insurance Questions in 100 Days Video Series If you have a small business that collects even the least amount of personal information on your customers, then this is a video you might want to watch. Now with Equifax added to the list of serious data breach events, your small New York business could be just a few clicks away from a financial and social collapse.
September 11, 2017