Restaurant Insurance Requirements in Kansas

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If you are the owner of a restaurant, you might be interested in restaurant insurance. If this is the case, you may want to consider working with an agency such as Marla Williams Agency.

If you are a restaurant owner in Kansas, you will need three basic types of insurance. These include property coverage, liability coverage, and employee coverage. Each of these insurance types will come with both general and specific coverages. You will always need general coverage, and the specific coverages are going to be specific to certain types of restaurants.

General property coverage will protect you in giving you replacement value for the loss of either your building or movable property located inside your building, such as chairs and tables. It would be best if you kept in mind that it will generally not cover immovable personal property, such as equipment in your kitchen that may be bolted down.

Commercial general liability insurance is also important, as it will protect your restaurant from the prices of certain problems that might come up with your customers, such as accidents or food-related illnesses. It would be best if you kept in mind that general liability coverage does not cover liquor-related incidents, which is why it is important in some cases to purchase liquor liability as well.

You will also need to purchase employee insurance for your restaurant, as workers’ compensation is legally required. This will pay for medical expenses, lost wages, and rehabilitation expenses when an employee is injured at work.

If you are interested in learning about restaurant insurance in the state of Kansas, you should feel free to contact the professionals at Marla Williams Agency. They will be able to answer any questions that you might have and can point you in the right direction regarding the right policy for your restaurant.

When should you review your life insurance coverage

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Life insurance needs to be tailored to your particular needs. What is right for one person would be all wrong for another. Having an insurance agent who knows you and your needs can make buying life insurance much easier. In Kansas, the Marla Williams Agency is locally owned and operated and dedicated to providing the service our customers deserve. 

Life insurance needs variation over your life. From time to time, it makes sense to look at your coverage and make sure it meets your needs and the needs of any dependents and loved ones who count on you. 

When you change employment

If you are like many people, you have life insurance as a part of a benefits package. When you change positions, you may be able to keep your insurance at your own cost. You should contact an insurance agent to determine if it is worth paying for. You may be able to get a better deal, or you may get insurance from your new employer. Keep in mind most policies won’t pay out for up to two years, and that could leave your dependents with no protection. 

When you get married 

When you get married, you need to change the beneficiary on your insurance policy. It is a good time to consider whether you need to add additional insurance. If you have purchased a home and plan on having a family, your insurance needs will be growing. 

When you retire

By the time you retire, you may not need the same amount of life insurance you needed when you had a young family. It would be best if you had enough to take care of final expenses and keep your spouse or partner in their current position. 

If you have questions about life insurance at the Marla Williams Agency, we provide Kansas residents with the answers they need. 

 

5 Facts Every Driver Should Know About Auto Insurance

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1. Higher Deductibles Mean Lower Premiums

Insurance companies set pricing based on the amount of money they believe they could have to pay. Consequently, if you agree to pay a higher portion of any damages by raising your collision and comprehensive deductibles, then you’ll be rewarded with a lower premium. If opting for this route, be sure you can comfortably afford to pay the higher deductible.

2. Your Car Makes a Difference

Many insurance companies use statistics from the Highway Loss Data Institute to set prices. For instance, if you drive a costly vehicle to maintain or are more likely to be stolen based on historical data, your premium will likely be higher. 

3. Safe Driving Matters

Drivers that do not have any claims on their policy history nor tickets from law enforcement will be rewarded with lower rates. 

4. Ask About Discounts

Even where you went to college can help you save money if that institution has an alumni discount with your insurance broker. Most insurance companies offer discounts for paying your policy in full, using electronic payments and not paper checks, car safety features like anti-theft devices, and a clean driving record. 

5. Credit Score Matters

The lower your credit score, the higher your policy premium may be because insurance companies will deem you as riskier to insure because of the risk that you won’t pay your policy premium.

At the Marla Williams Agency in Kansas, our knowledgeable and friendly team of insurance professionals is ready to assist in finding you the perfect auto insurance policy for your needs. Working across our network of reliable insurance companies, you can feel confident that we’ll find a policy that meets your expectations within your budget. Give us a call today to learn more.

Do businesses in Kansas need commercial insurance?

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In Kansas, there is a range of cities that can offer a small business a great place to establish and grow. For those looking to develop a business here, there are a lot of great opportunities to take advantage of. However, some risks come with owning a business as well. Fortunately, many of these can be mitigated by a commercial insurance policy. There are several reasons why you may need to get this for your business.

To Remain in Compliance with Stakeholders

One of the reasons that you will need to get commercial insurance for your business is that it could be needed to comply with various stakeholders. Any lender, investor, landlord, or other stakeholders in your company will want to ensure that your business, and their investment, is properly covered and protected. A great way to do this is by requiring your company to get commercial insurance as it offers valuable coverage. 

To Comply with State Laws

While you may be the only person that works for your company, eventually, you will grow. When this occurs, you will need to make sure that your team is covered and protected. A great way to do this is with workers’ compensation insurance, which protects if an employee is hurt while at work. In this state, you are required to have this coverage as soon as you hire an employee. Not complying with the law could result in a penalty.

When you get insurance in Kansas for your business, you should call the Marla Williams Agency team. The team at the Marla Williams Agency can give you the support you need to choose a policy. This will ensure your company is properly protected. 

Why should I get home insurance in Kansas?

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In Kansas, there is a range of communities all over the state that offer you plenty of professional and personal opportunities. These communities include large cities, small towns, and everything in between. If you are going to move here, you should think about purchasing your home as it will offer you a range of different benefits. If you do choose to purchase a home, you also need to get proper insurance. There are several reasons why you should get this coverage.

Insurance Provides Valued Protection and Coverage

One reason you should get home insurance when you buy a home here is to provide you with valuable coverage. A full home insurance policy offers a range of different forms of coverage. This includes coverage for your dwelling and personal belongings, as well as your liability protection. All of these insurance forms could provide you with valuable protection if your property is damaged or you incur a liability claim.

Insurance is a Requirement

While having coverage is a good idea in any situation, there are also many scenarios in which having coverage is a requirement. Most people in this state are going to be required in some fashion to carry home insurance. If you live in a community with a home association, there are bound to be insurance requirements. Additionally, any mortgage lender will have specific insurance rules.

When you look for insurance for your home in Kansas, you should call the Marla Williams Agency. The Marla Williams Agency team can give you a lot of advice to help you find a home insurance policy that is right for you. This will ensure that you are properly covered and in compliance with all obligations.