Specialty Business Insurance Backed by an A++ Carrier: Liquor Stores, Janitorial, Amusement Centers and Caterers

Some businesses don't fit neatly into a standard insurance policy. Liquor stores, cleaning companies, amusement centers and caterers all have risks that many insurers avoid. That's where specialty carriers come in.

At Schneider & Associates Insurance Agencies in Jonesville, we write coverage for these businesses through USLI, a member of the Berkshire Hathaway family of companies with an A++ (Superior) rating from AM Best, the highest financial strength rating available. USLI's general liability coverage comes with no liability deductible.

Liquor stores

Beer, wine and liquor stores face risks most retailers don't: customer injuries in the aisles, alcohol-related claims and higher theft exposure. Many carriers also balk at stores that offer extras like tastings or delivery.

USLI's liquor store program is built for these businesses and can include:

• On-premises tastings and samplings: so you can host wine and spirits events in your store
• Delivery of alcohol: for stores that bring orders to customers' doors

Learn more about liquor liability insurance.

Janitorial and cleaning services

Floor waxing is one of the most common reasons cleaning companies get turned down for insurance. Slippery floors lead to slip-and-fall claims, so many carriers exclude waxing or won't write the business at all. USLI is different: cleaning operations with up to 50% floor waxing work are eligible.

USLI insures commercial, office and residential cleaning companies, with features designed for how cleaners work:

• Damage to customers' property: a property damage extension is automatically included, helping cover damage to the property you're working in or on
• Employee theft coverage: available if a worker is accused of stealing from a client
• Tools, lost keys and rental reimbursement: inland marine coverage can protect your equipment and pay to rekey a client's locks if keys are lost
• Pricing based on your crew: rates are based on your number of full- and part-time workers, which keeps it simple for small operations

More on janitorial services insurance.

Amusement centers and entertainment venues

Family entertainment businesses see crowds, kids and a lot of activity under one roof. That makes them hard to place with standard carriers, especially when a single location offers several attractions.

USLI's games and entertainment program is designed specifically for family amusement centers, theaters and entertainers:

• Multiple attractions: amusement centers with several types of activities can be written on one policy
• Assault or battery coverage: included on most classes, so you're protected if a fight or altercation leads to a claim
• Abuse and molestation coverage: included on most classes, which is critical for any business that serves children and is often excluded elsewhere

See our adventure and entertainment insurance page.

Caterers and personal chefs

When you cook in someone else's kitchen or serve at someone else's venue, your liability travels with you. Event venues, wedding planners and private clients often require proof of insurance and want to be named on your policy before you can work.

USLI insures off-premises caterers, personal chefs, bartending services and banquet halls. For caterers, chefs and bartenders, blanket additional insured coverage is available, which automatically extends coverage to the venues and clients who require it. That means fewer last-minute certificate requests and less paperwork before every event.

Why an A++ rating matters to you

An insurance policy is only as good as the company's ability to pay claims. AM Best rates insurers on their financial strength, and A++ is the top of the scale. With USLI, you get specialty coverage for a hard-to-place business without settling for a less stable carrier.

USLI policyholders also get access to the Business Resource Center, which offers free and discounted tools including a free HR consultation helpline, discounted background checks, industry-specific online training and discounted signage and promotional items.

Get a quote today

We're a family-owned agency that caters to small businesses, and walk-ins are always welcome. You'll work with real people who know your business, from your first quote to your next claim.

Call us at (352) 333-3775, request a quote online, or stop by our office at 285 NW 138th Terrace, Suite 100, Newberry, FL 32669.

Coverage availability and eligibility vary by state and business type and are subject to underwriting approval.