Charleston, South Carolina · Hospitality insurance
A neighborhood dining room, a busy bar, and a restaurant with catering operations need different conversations. Turner helps Charleston restaurant owners explain how their business runs and compare the terms behind the premium.
Turner Lacaze · Licensed producer with Maury, Donnelly & Parr Inc
A better starting point
Bring equipment values, lease obligations, and details of cooking, hood cleaning, and fire protection. Review property, equipment breakdown, and spoilage terms separately rather than assuming one policy covers every loss.
Patios, delivery, catering, live entertainment, and alcohol service can change an insurer’s view of the operation. Describe each activity so Turner can review liability, workers’ compensation, and any auto exposure that needs attention.
For a Charleston location, discuss wind and named-storm deductibles, flood exposure, and business-income provisions. Ask which events trigger coverage, what waiting periods apply, and whether separate policies are needed.
Make the conversation useful
Start with what you have. Turner can help identify the information still needed for a carrier review.
Do not assume it does. Turner can review the actual forms, alcohol sales, and service practices to identify whether liquor liability is included, excluded, or offered separately.
Share your deadline and any landlord insurance requirements when you request a review. Timing and available options depend on the information provided and carrier underwriting; submission does not guarantee an offer or bind coverage.
Tell Turner about your business and your timing. He’ll review the details with you before any coverage decision.
Start your review