Panos Agency provided broader coverage and
saved us over 35% on our insurance"
State Bird Provisions
Restaurants operate on slim margins
and over and over we hear how happy our clients are that they had the
proper coverage when they needed it. Panos has made the restaurant and
hospitality industry a top priority and we know and understand your
needs - and risks - from the inside out.
From buildout problems, kitchen accidents and
food contamination to fires, water damage, inebriated patrons, workers
disability, landlord indemnity and more; we can help you select the
best coverage for your specific type of restaurant business. And usually
- as clients such as State Bird Provisions, Gary Danko, Benu, Farmer
Brown, Sweet Jane, Trattoria Contadina, Bun Me and Dosa have found -
at substantial savings thanks to our special ranking as one of the few
“Elite” agencies in California offering preferred pricing
for Farmers Insurance.
Liability Coverage - An Insurance Game Changer
In recent years, San Francisco
and Bay Area restaurants have seen a surge in claims and litigation
involving allegations of discrimination of various kinds. Employment
Practices Liability Insurance (EPLI) covers you against claims by employees,
former employees and employment candidates (including seasonal and contract
Infliction of Emotional Distress
• Breach of Employment Contract
• Family Medical Leave Act
Many of our clients say that this
coverage alone makes Panos Agency the best and most complete choice
for insuring their long term success.
Cost is surprisingly affordable considering the huge impact that uninsured
legal fees can have on your bottom line. Available protection ranges
from $100,000 to $1,000,000 (with different self retention amounts)
and Standard Packages cover legal expenses involved in defending against
claims and lawsuits related to employment regardless of the
verdict outcome! EPLI also provides for indemnification if
the case is settled and our Preferred Package protects you against 3rd
party allegations as well.
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