Wineries & Breweries

Learn More About Pak Insurance Programs Wineries, breweries, wine and liquor retailers and importers face emerging challenges as we continue to navigate the COVID-19 pandemic, record-breaking natural disasters and more. Now, more than ever, choosing a trusted partner who specializes in this niche is critical to ensuring a business has the comprehensive, quality coverage it needs, coupled with the customer … Read More

Catering and Caterers E&O

This coverage protects catering services, hotels, and others that provide catered event services to their customers or guests for errors or omissions they make that result in a lawsuit. Coverage applies to only the time period that starts when the event begins and ends when it ends. Coverage applies to all services that the caterer is contractually obligated to supply. … Read More

Catered Affair Cancellation Insurance

This specialty coverage protects the insured that hosts a catered party, dinner, or celebration event. Coverage applies for the costs incurred when the event is cancelled, postponed, or curtailed. Covered costs are the deposits that cannot be recouped and other contractual obligations that are enforced following the change in plans.

Food–Borne Illness–Loss of Income

This coverage insures restaurants against unexpected loss of income and extra expense when they are forced to close for a short time due to a food-borne illness. It is often provided by endorsement to commercial general liability coverage but it may be written as a separate policy.

Hotels

The standard markets usually insure hotels. However, some are much more difficult to place because of high property values and/or difficult liability exposures. Some hotels located in coastal areas are subject to heavy windstorms and hurricanes. Casino operations at some hotels introduce unique and unusual crime and liability exposures, while restaurants and bars present liquor liability exposures. Swimming pools, lakes, … Read More

Health Foods Industry

Health foods have become more popular because of concerns about the potential problems with foods grown using a variety of pesticides, herbicides, and other chemical compounds. Property and casualty insurance programs that include products liability coverage are available to manufacturers, distributors, wholesalers, and retailers of a wide range of health food products. This industry includes natural foods, organic foods, food … Read More

Nutriceuticals

Health foods are becoming increasingly popular as the nation grows more concerned about potential problems with foods grown using a variety of pesticides, herbicides, and other chemical compounds. In addition, foods preserved with chemicals are thought to be (or may be) linked to cancer. Property and casualty insurance programs, including important products liability coverage with high limits, are available to … Read More

Supermarkets

Supermarkets are retail grocery stores that have more than 5,000 square feet of floor area. They have large open areas without fire cut-offs and extremely combustible or highly damageable contents with blank wall construction. This makes it difficult to fight fires from outside the building except from the front. There are extensive electrical requirements that place extreme demands on the … Read More

Convenience Stores

Convenience stores are usually a combination of a grocery store, variety store, and gas station. Many standard markets provide property and general liability coverages. Liquor liability, underground storage tank (UST) liability, crime, and workers compensation coverages may only be available in a specialty market.

Food Street Vendors

Cities, towns, and municipalities license food vendors to sell food from mobile units on sidewalks or along streets and roads. These vendors sell a wide variety of food, including hot dogs, tacos, egg rolls, various ethnic sausages, and other ready-to-eat foods. Insurance packages are tailored to the vendor’s needs and usually cover property, inventory, supplies, general and products liability, and … Read More