Dawn Bijou Janes-Bartley, CRM, CIC
President- Insurance Guru
Bars. Restaurants. Soccer. Cars. Insurance.
All things I am deeply involved in and incredibly passionate about.
The leading hospitality insurance carrier, Society Insurance, is now providing insurance coverage for the first time in Minnesota after 103 years in the making. Society Insurance provides insurance protection to as many as 1 of every 3 establishments in other metropolitan cities it serves.
Insurance premiums are a large cost on a bar or restaurant's budget. Reducing those expenses to improve profitability, while protecting the business from costly unexpected losses, is a critical business practice. We want to be your resource and advocate in protecting the business and managing the costs.
The team at Minnesota Insurance Group have all worked in the hospitality industry prior to our insurance careers. We understand and appreciate your challenges, we know your environment and your risks, and we provide insurance and other risk management resources to control premium costs providing the protection you want and need.
Coverage is primarily intended for property you own but coverage can also include property you lease, rent, borrow or temporarily have in your possession. Read More
General Liability Insurance can provide your legal defense and help cover the cost of both actual and alleged claims against your business for bodily injury and property damage to others. Read More
Commercial Auto Insurance is important to carry when you own or lease a vehicle in your business name. The policy can provide coverage for injuries to others and damage to others and their property while operating your vehicle. Read More
Workers Compensation provides benefits to employees for work related injuries or illnesses including medical care, loss of wages and rehabilitation services. Read More
Umbrella & Excess Liability
Provides businesses with additional layers of liability insurance to help protect against larger claims. This type of policy goes over, or is added on top of, the limits you purchased in your underlying policies, such as your general liability, business auto or workers compensation. Read More
Coverage for bodily injury or property damages claims caused by an intoxicated person who was served alcohol at your establishment. Any business that sells, serves or assists in the purchase or use of liquor has liability under the Minnesota Dram Shop act. Read More
Employment Practices Liability
EPLI is often used to refer to coverage that pays for the cost of defense and claims made for discrimination, wrongful termination, sexual harassment, defamation, retaliation, failure to hire, supervise or promote, constructive discharge, emotional distress, humiliation, defamation and invasion of privacy. Read More
Crime & Employee Dishonesty
Making sure you have adequate employee theft crime coverage is important because too often employee theft starts out small but can be ongoing for years with the cost of those damages becoming significant. Read More
Business Income & Extra Expense
If your business is unable to operate and generate revenue due to an event that is covered by the business interruption policy, the insurance benefits can help you meet your financial needs for things like rent, orders, and payroll. Read More
This coverage is when there is a loss due to mechanical or electrical breakdown of nearly any type of equipment. Read More
Cyber & Privacy
Did you know? These endorsements can provide adequate protection for some businesses, while others will benefit from a separate and more robust cyber and privacy insurance policy.
Contamination & Food Spoilage
Reimburses the business for the cost of the food that spoils, loss of income from the loss of food sales, medical tests and vaccinations for employees in the case of a contamination situation, and sometimes even advertising costs to improve your business’ reputation following a food spoilage or contamination issue. Read More
Provides employers with protection in the event they make an error in the administration of their employee benefit program. Read More
Flood insurance is NOT covered on a standard property policy. Read More
Does your business ever host fundraisers, participate in and/or sponsor local events or have vendor booths?
Key Man or Buy-Sell Life
Directors & Officers