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Bars & Restaurants Are Our Community

Have you ever read or heard about the Blue Zone Diet? The book talks about a handful of populations of in different regions that have the most centurions (i.e., people that live to be 100). That might not be everyone’s goal but it sure sounds cool to me. Granted, the types of rest, food and drinks they enjoy play a large part of this goal to be 100. However, one of the aspects that is cited as significant that I find incredibly interesting and less obvious are the socialization aspects of this formula. These groups of centurions all socialize and have a place/role in their community where they feel connected. It sounds to me like community and getting together with other people to connect helps you live longer.

Our local establishments play such a large part in community. We go there to meet friends, have birthday celebrations, wedding parties, business meetings and work functions. Having a place to host an event helps bring individuals together with their community and provides face-to-face time with people, a form of communication that seems to be few and far between nowadays with the over usage of mobile devices. Human connection is a major aspect of living a healthy life. There are communities of people getting together for walks, runs, hikes and then having a meal together. Dinning and hanging our together brings happiness to a person’s heart and they feel a part of an energy that one doesn’t get from being on their own.

So just remember when you smell the aroma of food cooking and hear the white noise of conversation around you, it is that very community that connects you. People go to restaurants and bars to celebrate life, friendship, relax and connect. Restaurants are so important to helping establish community so please support your local establishments for your next outing.

Being an Insurance Salesman

IMG_7309I meet people all the time and they ask me what I do. Saying I am an insurance salesman and company owner seems so misguided to me. Really, I am in the business of building relationships and protecting people. That’s what I do. Insurance is the vehicle that I use that but it doesn’t define what I do.

I started in the insurance business over twenty years ago. I had no idea where it would take me. I knew though that I enjoyed getting to know people and serving them to the best of my ability. The further I got into insurance the more I liked it. I began to understand all the intricacies of the field and how important insurance is. Really, it’s one of those things you don’t think much about until you need it. At that point it is the biggest thing on your mind.

I like to think about my job like this; I handle people’s insurance needs for every aspect so that they don’t need to worry about it. I’ve realized that being specialized and highly educated in my field is vitally important for me to best serve others.

Bar and restaurant insurance became a perfect niche for me as I was involved in the local food scene, familiar with many establishments and having been in the music industry for a bit of time found myself right at home working with bar and restaurant owners. I hustled to learn everything I could about this and not long after it became my specialty. I do all types of insurance and my agency has people who specialize in every different aspect one might need but I spend the majority of my time insuring bars and restaurants.

The thing I have learned about bar and restaurant owners, they typically love what they do. They are masters of the craft and take great pride in their concept. Their passion fuels my desire to help them. I work to get to know each of my clients personally so I can better advise them on their needs.   Insurance for bars and restaurants is completely different than say, a home and auto policy and it is personalized to the establishment. In this vein, I need to be an advocate for my clients and also educate them on what is important to keep them protected.


The Arizona Farmer and Chef Connection


In an effort to support the growth and collaborations of local businesses, Bar and Restaurant Insurance has partnered with Local’s First Arizona to sponsor an exciting event this fall. The Arizona Farmer and Chef Connection  happening on September 12, 2016, is designed to bring together local food producers and wholesale buyers where they can interact, learn and identify potential connections.


These type of events are vitally important for our state on a number of levels. When restaurants take advantage of using local farms and food growers, jobs are created strengthening the economic climate of Arizona. Restaurants and other food/drink providing establishments are able to reduce the distance food has to travel and also often obtain the healthiest ingredients by virtue of buying local.


Tourism also benefits as many people want to experience sampling local foods in the regions to which they visit. By connecting wholesale buyers and local food producers we preserve Arizona’s unique food heritage and culture.


Using local food producers and growers increases the exposure of farms and artisan products in the restaurant scene. Arizona has a wealth of local farms from which to choose and when wholesale buyers use them it only serves to grow our options on a number of levels.


Bar and Restaurant Insurance continues to provide support to this event, as we have done in the past, because we are invested in promoting and supporting local business… from bars and restaurants to farms and food producers. We believe the fueling the local economy and supporting our fellow residents is important. This event is a wonderful way to do that, and one of the only events in the state that serves this purpose.


Right now, Bar and Restaurant is offer a promo code for folks interested in attending this year’s event. Purchase tickets HERE before September 9th and use promo code BARINSPROMO to receive $10 off your registration. Join me at the Supplier’s Marketplace at the event, an all-day vendor fair which showcases some of the best Arizona products available. Enjoy free samples and meet local growers and producers. Buy local, shop local, support local!

Craft Brewery Insurance

breweryJust the other day when I was driving around town I noticed another new craft brewery in my area. It’s exciting to see these concepts popping up, and even more exciting is the energy one gets when talking to the owners. Brewery owners seem to bring so much passion and knowledge to the table. Many entered into the industry for one reason, they love to make beer. Of course, there are a number of other reasons as well but at the core it’s that they have a deep love and appreciation for what they do.


Over the past handful of years the number of U.S. breweries has increased substantially. According to Julia Herz, Program Director for the Brewer’s Association, “The segment has grown exponentially as the total number of U.S. breweries leapt from 1,460 to more than 4,600, and we’ve seen the localization of the beer movement truly driving trends—and driving the land grab to be known as a craft brewer.”   Breweries seem like they are here to stay and are offering more original offerings and services than ever before.


Breweries, much like bars and restaurants, have their own unique needs when it comes to insurance. It might seem simple to write a basic policies for these establishments but doing so can leave a lot to chance. There are some basic coverages which include things like general liability, liquor liability, property and worker’s compensation that are recommended. However, there are also things like food contamination, leakage and equipment breakdown that are paramount for many craft breweries. These are the areas that, if something goes wrong, can make a substantial impact on a breweries ability to stay open and produce revenue.


Navigating the ins and outs of the insurance world can be challenging in the beginning when you don’t have someone who understands your business, builds a relationship and helps to educate on the benefits and pitfalls of each type of insurance. Equally important is working with someone who finds potential areas that might be an issue in the future and works to help ensure those are covered. Sometimes it’s not just a putting a policy in place that’s the answer. It can be simple changes one can make within the establishment or with a process that will safeguard against future challenges.


If you are looking for insurance, I encourage you to find someone who has worked extensively with others breweries, bars and restaurants. Insurance shouldn’t be just about purchasing a policy. It should be about a relationship. Having an agent on your side that is an advocate for your business, can help educate as well as support your business is any way possible.

If you would like a free consultation, please call us at 480.776.6981. Craft breweries are one of our specialities!

Changing Insurance Needs for Evolving Restaurants and Bars


Over the past several years restaurants and bars have continued to experience significant growth. Their sales continue to go up with no clear limit in site. People proclaim that they would rather go out to eat than stay home and restaurateurs are getting more and more savvy about how to not only provide quality food in a comfortable environment, but also how to bring food to the customer and offer other benefits of eating at their venues. Additionally, bar owners are also increasing their services. Food trucks are on the move, festivals are popping up everywhere, coffee shops are offering services such as meeting spaces and internet services, online ordering is becoming more popular, aps allowing you to easily search options are being released regularly, bars are offering more late night food service and people are continuing to specialize in all sorts of niches from farm to table to craft cocktails. There is virtually something for everyone!


Don’t let the food fool you. Restaurants have traditionally existed to feed people and bars have offered spirits, but service has become a major factor in developing a successful concept. Patrons come back for that atmosphere and service as much as they do for the food and drink. While some consider price a variable in where they go, many people want quality. This opens the door for a lot of creativity for owners.


With all the energy going into creating interesting and unique concepts, excellent food and drink and outstanding service, attention needs to be paid to making sure establishments are properly covered.


“The legal and insurance landscape for nightclub, tavern, and bar owners is more challenging in Arizona than in other states. Unique laws and conditions affect products such as liquor liability and firearms coverage throughout the state, making it one of the more difficult places for venue owners to get proper insurance. To get the coverage they need, it’s essential for owners to work with a professional accustomed to dealing with complex exposures in this industry,” said Kathy Griffith, Senior Underwriter for Worldwide Facilities, LLC.



Things aren’t so cut and dry anymore, according to David DeLorenzo, Industry Specialist in Bar & Restaurant Insurance. There are many things to be considered when selecting proper coverage. It used to be that there were only a few options when it came to insurance, but with the changes restaurants have experienced over the past decade, there is now much more to be considered. An insurance agent or company that specializes in this niche can help an owner understand what their potential risk factors are and how to most effectively and economically cover them.


When looking for the best agent, restaurant owners shouldn’t be afraid to ask questions about the agent’s specific experience in the industry, whom he or she has insured, the types of coverage they can offer through their carriers and what does the agent see as the restaurant owner’s unique needs and risks. Also, finding someone who plays an active role in the restaurant community can make a big difference.


If you are a restaurant owner looking to find the right agent to help ensure your establishments, don’t hesitate to contact Bar & Restaurant Insurance, the industry specialists at (480) 776-6981.


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