Restaurants face a variety of risks, from customer injuries and employee accidents to property damage and equipment failures. Having the right insurance coverage in place helps protect your business, satisfy legal requirements, and support long-term success. We work with restaurants, bars, cafes, food trucks, and hospitality businesses to identify coverage […]
Cyber insurance can help cover the financial impact of a ransomware attack, making it one of the most important protections for today’s small and mid-sized businesses. However, coverage details, limits, and exclusions vary between carriers and policies, which is why we help our clients understand exactly what’s covered before a […]
Building an insurance policy stack for a home health agency means combining multiple types of coverage to help protect against the unique risks that come with caregiving, patient interactions, employee safety, business operations, and regulatory compliance. At Suracy, we help home health agency owners and operators build insurance programs that […]
General liability insurance protects home health agencies from financial losses due to third-party claims involving bodily injury, property damage, or personal injury. Suracy offers tailored, affordable multiline insurance solutions that focus on compliance and risk management specific to home health providers. General liability insurance is essential for home health agencies […]
If your restaurant, bar, brewery, winery, or other hospitality business serves alcohol, liquor liability insurance is one of the most important coverages you should consider. While requirements vary by state and local jurisdiction, liquor liability coverage is often necessary to satisfy licensing requirements and protect your business from the significant […]
Workers’ compensation is typically the largest insurance expense for home health agencies, and for good reason. Caregivers perform physically demanding work in uncontrolled environments, handle patients with limited mobility, and travel between locations, creating injury exposures that most industries don’t face. Understanding what drives your Workers’ Comp costs is the […]
A non-renewal happens when your insurance carrier decides not to offer you coverage for the next policy period. Unlike a cancellation — which ends a policy mid-term — a non-renewal occurs at the end of the policy cycle, and carriers are typically required to give 30 to 60 days advance […]
If you need business insurance within days, it’s possible, but preparation and working with the right agency makes all the difference. Suracy is a U.S.-based independent insurance agency that specializes in fast coverage for small and mid-sized businesses, with most standard policies bound and a Certificate of Insurance (COI) delivered […]
To sign a vendor contract, you’ll typically need to provide a Certificate of Insurance (COI) showing proof of General Liability coverage, Workers’ Compensation, and sometimes additional policies like Professional Liability or Commercial Auto insurance. The specific requirements depend on the contract terms and the nature of your work. Umbrella Insurance […]
Home health agencies operate in one of the most liability-exposed sectors in commercial insurance. Caregivers work in patients’ homes, perform medical and personal care tasks, and are subject to state-level licensing and compliance requirements that vary significantly across state lines. A single negligence claim, whether valid or not, can result […]
