Trusted Insurance Solutions Since 2003
Founded in 2003 in Baton Rouge, Louisiana, Hailey Insurance has expanded to serve clients across over 15 states. We partner with A.M. Best “A+” rated carriers for reliable claim handling and offer premium discounts based on your business's characteristics. Our goal is to provide quality insurance solutions that are both comprehensive and affordable.
Restaurant Insurance
Hailey Insurance provides comprehensive and tailored insurance solutions specifically designed for restaurant owners. Our coverage protects your business against unique risks in the food service industry, including kitchen fires, foodborne illnesses, and customer injuries. We provide business owner coverage, worker’s compensation, and commercial umbrella liability. Our key coverage options include:
Business owners Coverage
Business Owner Coverage is crucial for protecting your restaurant's property and assets. This policy typically includes property insurance, which covers your building, kitchen equipment, furniture, and inventory against risks like fire, theft, or natural disasters. It also provides general liability coverage to protect you from customer injuries or property damage that may occur on your premises. Additionally, business interruption insurance helps replace lost income if you have to close temporarily due to a covered event. Food spoilage coverage ensures you are compensated for perishable goods that spoil, while equipment breakdown coverage protects against unexpected failures of essential kitchen equipment. Together, these coverages create a strong safety net for your restaurant.
Workers' Compensation
Workers' Compensation is essential for protecting your employees from work-related injuries or illnesses. This insurance covers medical expenses for employees who get hurt on the job, ensuring they receive necessary treatment without financial stress. It also provides partial wage replacement for those unable to work due to injuries, helping them stay financially stable during recovery. The policy may include rehabilitation services to assist employees in returning to work safely. In tragic cases of workplace fatalities, Workers' Compensation offers death benefits to the dependents of the affected employee. Additionally, this insurance helps protect your business from lawsuits related to workplace injuries.
Commercial Umbrella Liability
Commercial Umbrella Liability insurance adds an extra layer of protection for your restaurant. It extends the liability limits of your existing policies, like general liability, providing additional coverage when those limits are reached. This policy often includes broader coverage options that may protect against claims not covered by standard policies. A key benefit is that it covers legal defense costs in major lawsuits, which can quickly become expensive. With this added protection, you can confidently run your restaurant, knowing you are safeguarded against large claims that could threaten your financial stability. Overall, commercial umbrella liability helps protect both your personal and business assets from significant risks.
Apartments and Condo Association Insurance
Hailey Insurance provides tailored insurance solutions for residential and commercial condominium associations and apartment building owners. With over two decades of experience in commercial and hospitality insurance, we offer comprehensive coverage designed to address the unique challenges faced by property managers and board members. We provide extensive property protection, liability coverage, and more. Our key coverage options include:
Property Protection
Property Protection is essential for safeguarding your assets. It includes building coverage, which protects your main structures from damage due to risks like fire or vandalism. Additionally, it covers appurtenant structures, such as signs, fences, and storage buildings that enhance your property’s value. If your property suffers damage that forces tenants to vacate, lost rent reimbursement helps compensate for the income you would lose during that time.
Liability Coverage
Liability Coverage is crucial for protecting your organization from legal claims. This includes directors' and officers' liability, which shields board members from personal liability for decisions made on behalf of the organization. General liability coverage protects against claims related to third-party injuries or property damage that may occur on your premises, helping to cover legal expenses and damages.
Additional Protections
Additional Protections provide further security for your business. Workers' compensation ensures that employees are covered for work-related injuries or illnesses, including medical expenses and lost wages. Equipment breakdown coverage protects against repair costs and losses resulting from the failure of critical equipment. Optional flood insurance is also available to protect against water damage in flood-prone areas, offering extra peace of mind for property owners.
Hardware Store Insurance
At Hailey Insurance, we understand the unique risks faced by hardware store owners. Our comprehensive insurance solutions are designed to protect your business, employees, and customers. By choosing Hailey Insurance, you can manage your property with confidence, knowing that your assets, residents, and board members are protected by our specialized insurance solutions. Our goal is to provide the coverage you need to navigate the complexities of property management and ownership. Serving the Greater Baton Rouge, Louisiana area, we’re here to help you build a strong foundation of protection for your business. These coverage options include:
Workers' Compensation
Worker’s comp is vital for safeguarding your employees in a physically demanding environment where lifting heavy items and using tools are common. This coverage includes medical expenses for on-the-job injuries, wage replacement for those unable to work due to their injuries, and rehabilitation services to assist in their recovery. In tragic cases of workplace fatalities, it also offers death benefits to dependents, while protecting your business from lawsuits related to workplace injuries.
Commercial Umbrella Liability
Commercial umbrella liability offers an extra layer of protection by extending the liability limits of your existing policies. This additional coverage provides peace of mind when standard policy limits are reached and often includes broader protection against claims not covered by standard policies, such as certain product liability claims specific to hardware products. A key benefit is that it covers legal defense costs in major lawsuits, which can quickly become expensive.
Business Owner’s Coverage
This is essential for protecting your hardware store's property and assets. This policy includes property insurance that safeguards your building, inventory, tools, and equipment against risks such as fire, theft, or natural disasters. Additionally, it provides general liability coverage to shield you from customer injuries or property damage on your premises. Business interruption insurance helps replace lost income if you must close temporarily due to a covered event, while inventory protection covers your stock against theft or damage. Equipment breakdown coverage protects against unexpected failures of essential machinery.
Additional "Plus" Coverages
Enhance your protection with specialized options designed to address unique risks faced by hardware stores. Our Brands and Labels Protection safeguards your business's reputation and intellectual property. Computer Fraud and Funds Transfer Coverage shields you from financial losses due to digital theft, while Data Compromise Protection helps mitigate the impact of data breaches by covering notification costs and legal expenses. Equipment Breakdown Coverage protects against unexpected failures of critical machinery, ensuring smooth operations. Lastly, Employment-Related Practices Liability provides defense against claims related to workplace disputes.
Law Firm Insurance
At Hailey Insurance, we specialize in providing comprehensive insurance solutions designed specifically for attorneys. Our coverage protects against financial losses due to negligence, errors, or omissions, allowing you to focus on your clients while we safeguard your practice. Our key coverage options include:
Hotel Insurance
Hailey Insurance offers comprehensive insurance and risk management solutions specifically designed for hotels and hotel management companies. Understanding the complex risks involved in operating a hotel, Hailey Insurance provides tailored coverage to protect investments and ensure comprehensive protection across various operational aspects. Hotels coverage program features:
Auto Mechanic Shop Insurance
At Hailey Insurance, we recognize the unique challenges faced by auto service shops and offer comprehensive insurance solutions tailored to meet all your business's needs. We provide a range of coverages designed specifically for auto service shops. Our expertise and customizable coverage options allow you to focus on providing top-notch vehicle services to your clients, knowing that your employees, property, and reputation are well-protected.
Workers’ Compensation
Is a crucial component of our offerings, ensuring that your employees are protected from work-related injuries or illnesses. This coverage includes medical expenses, partial wage replacement, and rehabilitation services to assist employees in returning to work safely. In the unfortunate event of workplace fatalities, it offers death benefits to dependents. Additionally, safety resources and assistance in setting up a return-to-work program are provided at no extra cost.
Businessowner’s Coverage (Property & Liability)
Protects your building and contents while covering expenses if your business is held liable for harm to another. This includes protection against loss of business income, employee dishonesty, damage to outdoor property, and more. We offer a variety of add-ons such as coverage for car wash damage to customer autos, computer fraud and funds transfer, data compromise, equipment breakdown, garage liability, and many others.
Commercial Umbrella Liability
Insurance adds an extra layer of protection by extending the liability limits of your existing policies. This ensures additional coverage when those limits are reached and includes broader options that may protect against claims not covered by standard policies. It also covers legal defense costs in major lawsuits. Our services offer numerous benefits such as cash-flow-friendly payment options and customizable plans to fit your specific needs. Whether you require certain coverages or seek higher levels of protection, we can tailor an insurance solution that meets your requirements. With Hailey Insurance, you gain financially secure coverage with fair and prompt claims handling backed by unmatched industry expertise.