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Jack Said:

Liability insurance for small business?

We Answered:

It depends wildly on what KIND of bar, the liquor receipts, and if there's a dance floor or other entertainment.

Budget $10,000 to $15,000 and you'll be ok.

Holly Said:

Liability insurance for small pizza delivery business?

We Answered:

As stated in the 2 previous responses the answer is yes. You need whats called Non-owned auto liability. (hired auto is not necessary in this scenario and I think most agents are just accustomed to saying Hired & Non-owned).

Basically you do not own these vehicles but you are still at risk for any potential claims that arise from your employees driving their own vehicles.

Usually non-owned auto coverage is an incidental exposure and very affordable to purchase. In this case it is not because it's a primary operation and in no way incidental to your business.

Odds are this coverage will be your most expensive insurance cost.

Also as previously stated your employees personal auto coverage will specifically exclude any business ventures. So coverage can not and will not be covered under their policy, so at the end of the day you will be the one getting sued. In fact some personal auto companies will not insure people that do pizza delivery (keep that in mind).

Other then that a standard BOP (business owners policy) covering your liability and small amount of property coverage should suffice along with any state mandated workers compensation coverage for bodily injury/sickness to your employees.

Hope that helps!