About Food & Beverage Insurance Agency

Food and Beverage Insurance Agency (FNBIA) is an agency that specializes in providing insurance coverage exclusively to the hospitality industry. Our firm is staffed by proven professionals committed to providing our clients with highly personalized service. 

Our objective is simple: To identify and minimize our clients’ exposure to risk. We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.

Our approach is direct: To analyze our clients’ complete insurance needs, design a responsible protection program, and place the coverage through the insurance company offering the most cost effective protection for each situation.

We move quickly to get fair, prompt settlement of claims, enabling our clients to get back to their family and business activities. As your insurance agency, we worry about the insurance details so you don’t have to. We periodically review the adequacy of our clients’ insurance programs, making recommendations and changes when necessary.

Our staff is made up of knowledgeable agents who have a detailed understanding of the coverage and cost concerns of business owners operating in highly competitive hospitality marketplace.  We serve the needs of clients ranging in size from Main Street businesses to large multi-location operations, and we have access to Excess and Surplus markets for difficult to place coverage.

At Food and Beverage Insurance Agency, we differentiate ourselves with the depth of our analysis and personalized service. We look deeper into risk exposure and search for every opportunity to improve coverage and minimize premium costs. We work hard to earn our clients’ confidence.

Philosophy

We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment.

We take customer service seriously.  Anyone can say that customer service is important to them.  We put our money where our mouth is.  We believe that it is our responsibility to you to always be accessible to you.  We strive everyday to treat every client as if they are only client.  We have developed a industry leading website that is packed full of customer service options such as;

• Online access to all your insurance related documents through Insureview
• Online certificate and endorsement request
• Online claim submission

Our call back guarantee:  Nothing is more frustrating then needing your agent and never able to get hold of them.  That is why we have our callback guarantee.  It is simple, if we do not call you back within 24 hours we send you 24 dollars cash weekend and holidays included!

We represent a carefully selected group of financially sound, reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price.

Our professional staff analyzes your insurance requirements first from the viewpoint of RISK MANAGEMENT.

By risk elimination, risk reduction, risk transfer or risk assumption the cost of your package of insurance may be considerably reduced.

An Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. FNBIA represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, workers' compensation insurance, home insurance or businessowner policy -- you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it's for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it's up to you to make the final choice.

Insurance Carriers

As independent agents, we have established long term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

Through numerous relationships with insurance brokers, we have access to the following carriers:

• Acceptance Indemnity
• Ace Insurance Company
• Admiral Insurance Company
• Adriatic Insurance Company
• AIG
• Am Trust
• American Empire Insurance Company
• Atlantic Casualty Insurance Company
• Burlington Insurance
• Century Surety
• CNA
• Colony Insurance Company
• Evanston
• Everest Indemnity Insurance Company
• First Mercury Insurance Company
• Founders Insurance Company
• Great American E&S
• Great American Insurance Company
• Lexington
• Lloyds of London
• Mount Vernon
• Mt. Hawley
• Navigators Insurance Company
• Penn-America Insurance Company
• RLI Insurance Company
• Steadfast
• United National
• United States Liability Insurance Company
• Western Heritage
• Zurich