Insurance for the Company Holiday Party

Employees enjoying champagne at a company holiday partyThe holiday season is officially upon us. Many employers throw end-of-year parties to thank employees for all their work and dedicate time to celebrating the holidays together as a team. Whether your company has decided to throw a big bash offsite or a small low-key gathering in the office, the most important thing is that the get-together is safe, merry, and doesn’t put your business—or the people who work for you—at risk. Let’s go over the insurance matters you need to consider when planning your company holiday party.  [Read more…]

Why Your Business Needs Liquor Liability Insurance

Three variations of beer sitting atop a wooden table in a restaurantRestaurants are no stranger to selling alcoholic beverages alongside their dishes. Even if a restaurant doesn’t sell alcohol, they may host periodic events where alcohol is permitted. On top of that, some stores, breweries, and bars make a living off of selling alcoholic beverages. Unfortunately, an increased risk of liability accompanies the serving of alcohol, as it’s famous for impairing motor skills and judgment if abused. Given the perils of excessive alcohol consumption – such as liability for assaults, property damage, and drunk driving – it’s important to know the necessity of liquor liability insurance. [Read more…]

What Insurance Does a Brewery Need?

Breweries have been flourishing in Massachusetts, with 26 new businesses being established in 2018 and a total of 178 across the commonwealth. All of these businesses require specific insurance coverages to insure they’re protected from potential disaster. In fact, they tend to demand more than the average business due to the number of risks involved in the production of alcohol. If you’re looking to join the flourishing brewing industry, we’ve provided a list of recommended coverages that will get you started in the right direction. [Read more…]

Insurance Every Restaurant Needs

Becoming a new business owner and opening a restaurant can be a risky and stressful venture, but by having security with reliable insurance policies

Owning a restaurant can be a very rewarding and lucrative operation, when properly safeguarded from negligence and damages. A business owners policy (BOP) will provide coverage to your business, but if you offer specialized services or alcohol, you need to ensure you have a comprehensive policy. Below are different types of insurance every restaurant needs in order to operate smoothly for years to come. [Read more…]

The 5 Types of Restaurant Insurance for Breakfast, Lunch and Dinner

Restaurant Insurance, TJ Woods Insurance Agency, Worcester, MASo you’ve set up a restaurant. You know what’s going on the menu, what the dining room looks like, and the prices of each dish. But you are missing one key piece: insurance. Insurance is your security blanket: if things go wrong you need insurance to help you get back on track and start making profits again. That being said, let’s take a look at the five key types of insurances you need to set up your restaurant: the general Business Owner’s Policy, Liquor, Workers’ Compensation, Employee Theft, and Food Spoilage. [Read more…]

Super Bowl 2014; Hosting a Party

Super Bowl 2014, TJ Woods Insurance, Worcester, MAWith the Super Bowl XLVIII just a week away, many of us will be starting to piece together plans for Sunday February 2nd. With excitement we begin to make arrangements with family and friends for the big day. Most of us have attended a Super Bowl party or two in our day. Some small, and some that may take you back to your college years.

If you plan to host a Super Bowl party this year, you will want to make sure that amidst all the touchdowns, field goals and nail-biting plays you are conscious of your responsibilities. [Read more…]