Stronger business coverage while saving you money—does that sound like a unicorn? Imagine this: even if a fire or flood forces you to close your doors, you could still pay your employees, including covering their average tips, ensuring they stay by your side when it’s time to reopen.

Last year, one of our clients experienced this firsthand when a broken sprinkler system flooded their restaurant. Forced to close during one of the busiest times of the year, their employees lost valuable income. While property damage replacement insurance covered the repairs, if didn’t cover the service team’s tips.   It cost the operator almost $35,000 for 10 days of closure to keep the staff from leaving.

In the hospitality industry, losing staff during closures can mean losing your business altogether. Employees often live paycheck-to-paycheck and can’t afford to wait out disruptions. But here’s the good news: we work with a select few carriers who offer Business Income Replacement options that includes verified tip coverage.

For a fraction of the potential cost of a loss, you can keep your team intact, your operations steady, and your peace of mind intact. Think of it like a paid vacation during the tough times.

Your unicorn is out there, and we’ll help you find it.  Let’s make sure you and your employees are ready for anything!