Specialty Food & Beverage Insurance by Personal Coverage, Inc.Protecting Your for the Worlds Enjoyment(and shedding some light on the insurance buying process)

Breaking down the insurance buying processKnow your company facts and identify your current situationThere are TWO insurance markets, which one are you in?Overview of Insurance Product types for food and beverage companiesHow to choose

Company Facts & Current Situation

There are TWO Insurance MarketsMarket 1- Standard Lines MarketMarket 2- Surplus Lines MarketApplies in all states with varying rulesClass of business is a factorLocation of business is a factorUnderstanding of product is a factorLoss history is a factorProduct TypeStandardSurplusRoutineYesNoDirect ImportNoYesDietary SupplementNoYesEnergy DrinkNoYesAlcoholic DrinkCarrier SpecificYesCoastal Location-East, Southeast, TexasLocation SpecificYes

Product OverviewCommercial General LiabilityProperty CoverageAuto InsuranceWorkers CompensationDisability InsuranceRecall InsuranceCyber CoverageLife Insurance

How to ChooseIf you want a quote for your budget will they do it?

Time frame to get quote and place policy, BUDGET YOUR TIME!

Is the quote reasonable for where you are now and how was it presented to you?

Are they letting you know that other products are available but not pushing the sale now

Does the coverage meet the agreements you have signed or are about to sign?

Is the product customizable in terms of other lines of insurance?

What is the process for Certificates of Insurance?

Its your money, are you comfortable with the experience?

Tom Wallace, CIC, ARM, Executive VP

Specialty Food & Beverage InsurancebyPersonal Coverage, Inc.

Protecting You for the Worlds Enjoyment

Toll Free 877-300-4760 (rings to my mobile)

OR

twallacejr@specialtyfoodbeverage.com

www.specialtyfoodbeverage.com

www.personalcoverage.com