Retail, Service, & Hospitality Insurance

Insurance That Works for Local Businesses

Running a retail store, a bar, a restaurant—or anything that serves the public—comes with risks you can’t always predict. We help businesses across Ripley, Parkersburg, Charleston & surrounding towns stay protected with insurance that’s built for real-world needs, not just the fine print.



Whether you run a small boutique, a family diner, a car wash, or a bustling event venue, we’ll help you find the right plan—fast, affordable, and easy.

A black and white icon of a plate with a fork and spoon on it.

Restaurant Insurance

Meets restaurant insurance requirements, covering everything from kitchen fires to food spoilage to customer slips and falls.

A black and white icon of a store with a awning.

Retail Store Insurance

Protects your building, merchandise, employees, and customers from theft, accidents, and more.


A black and white icon of a car being repaired.

Auto Repair Shop Insurance

Covers your building, tools, employees, and customer vehicles in your care (includes garage liability and garage keepers insurance if needed).

A black and white silhouette of a car with a drop of oil on it.

Carwash Insurance

Protects against property damage, equipment breakdowns, customer vehicle damage, and more.

A black and white icon of a bar with two stools.

Bar & Tavern Insurance

Specialized insurance for liquor-serving establishments, including coverage for fights, accidents, and property damage.

Two bottles of wine and a glass of wine are on a shelf.

Liquor Liability Insurance

Essential if your business serves alcohol—covers you if a customer causes injury or damage after drinking at your location.

A black and white icon of a gas pump with a drop of oil on it.

Gas Station Insurance

Protects pumps, convenience stores, underground tanks, and property against fire, theft, contamination, and more.

A black and white drawing of a string of flags on a white background.

Special Event Insurance

One-day or short-term insurance to cover festivals, weddings, fundraisers, and other public or private events.

A black and white icon of a building on a white background.

Hospitality Insurance

Tailored coverage for hotels, motels, inns, bed & breakfasts, event centers, and more.

Two women are shopping in a clothing store.

How We Help

Retail and service businesses don’t need "corporate" coverage—they need insurance that fits their size, pace, and community. That’s what we build. We’ll help you cover the risks that actually affect your shop, restaurant, bar, or service business, so you can focus on running the place without worrying about what-ifs.

FAQ

  • Is liquor liability insurance included in a general business policy?

    Usually not. If you serve alcohol, you’ll need separate liquor liability insurance to stay protected—and stay compliant.

  • Do I need special event insurance for a one-day fundraiser?

    Yes, especially if you're serving alcohol, expecting a crowd, or using a public space. It's affordable and can save you big headaches.

  • What does hospitality insurance cover?

     It can include guest injuries, property damage, food service risks, liquor liability, and more. We’ll build a custom plan depending on your setup.

  • Can I bundle restaurant and bar insurance into one policy?

     Often, yes! We can bundle property, liability, food spoilage, liquor liability, and employee coverage into one plan to save you money.