Barsurance FF Barsurance Fact Finder Thorough Fact Finder for Barsurance Step 1 of 7 14% BUSINESS INFORMATION SECTIONBusiness Name & DBA Owners Name Key Employee(s) Type of Business LLC Sole Prop Corporation Other Years in BusinessEmail Address Phone Number Physical Address Mailing Address NEEDS SECTIONWhy Are You Shopping?What do you like Most/Least about your current agent?What do you expect out of your insurance and your agent?How often do you like to review your insurance program? What risks keep you up at night?What dollar amount would you write a check to make something go away vs. make a claim? Current carriers for GL, LL, Property, WC, A&B X/Date MM slash DD slash YYYY OPERATIONS SECTIONFood Sales Alcohol Sales Other Sales Describe Other Sales Total Sales Fire Code Occupancy Outside number of seats? Square Foot Insured Occupies? Prv. Event Space Sq.Ft. Total Employee Payroll Do You Hire Bouncers, Doormen, Security? Employees or 1099? Mechanical Bulls or riding devices? No Yes Patrons allowed to bring own alcohol? No Yes Do you Manufacture, Distill or Brew on Premises? No Yes Do you Provide Live Music? No Yes If live music, what genre, largest sets in band, how many days/wk? Do you have a dance floor, and what size (sq ft.)? How Many Jukebox? How Many Pool Tables? How Many Dart Boards? How Many Foosball tables? How Many Ping Pong tables? How Many Shuffleboard tables? How Many Cornhole sets? How Many Video Game Machines? How Many Video Poker machines? Keno? Bingo Nights? Trivia Nights? Drinking Games? Board Games? Card Room? Cards (non-gambling)? Karaoke nights? What nights? How Many TVs? Hours of Operation? Do you sell flaming Drinks? No Yes Do you sell/or allow Cannabis products? No Yes Are Minors allowed on premises? No Yes If Minors allowed, what Hours? AVG. age of customers under 21% AVG. age of customers 21-35% AVG. age of customers 35-50% AVG. age of customers 50+% AVG. # of bartenders AVG. # of Wait Staff AVG. # of Managers How Many FT Employees? How Many PT Employees? Do you offer any catering events off premises? How many annually? Do you offer any delivery services? Do you utilize an incident reporting form? Would you like access to one FREE? Do you utilize an employee handbook? Would you like access to one FREE? How Concerned are you about lawsuits of wrongful termination/harassment/discrimination? Very Somewhat Not at All What Dollar amount could you afford to pay an attorney for an employment lawsuit? How Confident are you with HR Related issues? Very Somewhat Not at All Would you like access to a network of HR Professionals to seek advice at no cost? PROPERTY SECTIONAdditonal Insureds? Bank Name/Address; Property Name/Address Do You own/rent the building? Own Rent If own, or required to insure building, what limit to replace incl permanently attached equipment like Hood/HVAC? How much to replace Tenant Improvements/Betterments? How much to replace BPP? If you were shut down for 6 months would you survive w/o that income? In that scenario, would you want the insurance company to cover the income? How Much/Month? Preferred Property Deductible $2,500 $5,000 $10,000 Other Building Type Frame Joist/Masonry Metal Other Roof Type Metal Shingle Membrane Other/unknown Year building built # of stories Basement? Yr. Roof update? Yr. HVAC update? Yr. Plumbing update? Yr. Electric update? Protection Class? Central Station Burglar Alarm? Smoke Detectors? Sprinkler system? Security cameras inside? Security Cameras outside? Cooking? Is hood/duct cleaned 2x/year? Frying have thermostats/temp limits? 16" away from flame? Wet Chemical UL300 System? Wet Chemical UL300 System serviced 2x/year? How many fire extinguishers? Tagged w/in last 12 months? What is the greatest amount of cash inside the building? What is the greatest amount of cash outside the building? How much cash do you want covered from robbery/theft? How much theft coverage from employees do you want? If power went out food spoiled, would you write a check or make a claim? What is the greatest amount of food stored in cooler? If sewer backed up and damaged floors and walls, do you want that covered? Do you want coverage on any outdoor signs? When is the last time you've documented contents by photo? Where do you keep receipts for contents and TI's purchased? LIQUOR SECTIONHave you had any citations, violations or charges in past 3 years on your Liquor License? What training program does your staff undergo? (MAST, TIPS) Are employees prohibited from drinking while working? Any excessive drink specials (2 for 1, $1 drinks, all you can drink)? Is food available during all service hours? Do you provide transportation for customers if needed? What are your cut off procedures? How much can you afford to pay an attorney if a customer sues for injuries after a bar fight? Would you want to pass this cost to the insurance company? If yes, how much do you want the limit to be? Are you currently being canceled or non-renewed? Have you had a lapse in liquor coverage in the past 5 years? If yes, Why? GENERAL LIABILITY SECTIONWho manages snow/ice in parking lot and sidewalks? How often do you inspect trip/fall hazards (worn carpet, rails, chairs etc)? How much can you afford to pay an attorney if a customers sues for verbal assault or physical injuries from an employee? Would you want to pass this risk to the insurance company? If yes, how much do you want the limit to be? Do you have lighting in your parking lot? Do you have exit signs with emergency lighting? How Many? ADDITONAL OPTIONS SECTIONDo you cover your income through WC or a 24/7 disability policy? If you became disabled, would your business continue to operate? Does your life policy cover your debts and future income if you were to pass away? Are you concerned about this? As a business owner, do you have a personal umbrella policy? Would you like us to improve your existing home/auto program? Do you have an invenstment advisor or are you interested in an introduction to ours? Do you have a buy/sell agreement, will or trust? Would you like to learn more about those options? Do you have an accountant who specializes in your industry? Want help with that? Do you have a business attorney or need recommendations for one?
