Commercial Insurance
"Balcos Insurance was able to save me a lot of money. They listen, respond quickly, have a wealth of experience, and are friendly and honest. I am happy to say we are a Balcos customer and plan to be for years to come!"
Mark Nesheim - Director of Operations - 13 Coins Restaurants
"After years of frustrating experiences with brokers, I found Balcos Insurance - a specialist in hospitality business insurance. They saved me nearly $10,000 per year, and even more once I moved my home and auto insurance to them as well. I enthusiastically recommend Balcos insurance to all my friends and associates."
Emory Cole - Proprietor - Emory's on Silver Lake
The Washington Restaurant Association has endorsed Balcos Insurance as our preferred commercial insurance provider because of their expertise in writing commercial insurance programs uniquely suited to the restaurant and hospitality industries. Balcos’ statewide-coverage includes programs for:
Put Balcos’ twenty years of industry experience to use today.
Mark Balcos
Owner & President
877.783.0341
RESTAURANTS
From coffee shops, bakeries, and delicatessens, to family diners and fine dining, corporate operations and franchises to personal businesses, Balcos offers great insurance packages for the full range of hospitality accounts. In addition to the standard Business Owner’s Policies and Commercial Packages, Balcos also offers the following coverage options: Property, Liability, Liquor liability, Food-borne illness, Utility outage, Commercial auto, Business Income, Food spoilage, Umbrella coverage, Employment practices liability, and commonly excluded coverage, such as Flood and Earthquake.
BARS / LOUNGES / NIGHTCLUBS
For establishments having higher liquor percentages and live entertainment, Balcos offers numerous specialty programs that will properly insure these higher risk operations. Package options include coverage for gaming and dancing in addition to light or full-service food operations.
TAVERNS
Balcos offers several special programs for local taverns. In addition to standard beer and wine licenses, we can also accommodate a small percentage of hard alcohol service and some light entertainment.
PIZZA PARLORS
Insuring pizza delivery in an economical way is a challenge insurers are often faced with. Balcos meets the challenge with several programs that cater specifically to pizza delivery operations. Balcos offers programs to insure owned vehicles, use a Non-Owned Delivery Driver program, or a combination of the two. Balcos Insurance has the ability to insure small, independent locations, or individually owned franchises, and has extensive background in writing the proper insurance for Franchisors and their exposures.
CATERERS
For hospitality accounts on the move, Balcos has programs that provide greater flexibility for off premise operations, including liquor service, in addition to commercial kitchen or commissary coverage. We can also package these accounts with commercial auto policies for greater discounts.
HOTELS / MOTELS
Whether your business is a small family-owned motel, or a large corporate-owned luxury suite hotel, Balcos offers a broad range of products needed for this category of hospitality accounts. We offer policies based on the number of units or receipt based policies. Not only can Balcos cover your associated restaurant operations, but we can also cover any commercial valet or van service, day spas or full treatment resorts and other special tour operations related to vacation and business travel.
COTTAGE INNS / BED & BREAKFAST
Balcos has created several special programs specifically addressed to the special “hands on” aspect of these businesses. In addition to providing the related restaurant coverage, Balcos will also take care of cabin rentals, bike and kayak rentals, and guest property.
WINERIES
All the way from the vineyards to the tasting room, Balcos can cover the insurance risks inherent to this type of business. Insider experience in this industry allows us to identify and cover for unique exposures like brands and labels, transit and storage and instances of mechanical breakdown that can impair cash flow and annual harvest activities.
BREWERIES
Balcos covers craft breweries, microbreweries, brewpubs, and their associated restaurants in addition to public tasting events and festivals. We can provide the right coverage for your operation whether it is a brewing facility for on-premise consumption or includes distribution in growlers, bottles or kegs.
DISTILLERIES
For this unique production facility, Balcos can assist you with the initial bonding challenges all the way to insurance for formal operations, storage and distribution. We are already working with this new and emerging class of hospitality business.
CASINOS AND GAMBLING OPERATIONS
Large amounts of money, expensive security systems, and higher payrolls are all special considerations of a casino or gaming operation. Balcos can match you with the right program to cover the larger risks associated with casinos.
AFFILIATED BUSINESS
Vendors of restaurants and hospitality businesses are highly vested in the success of the industry they serve. Thus, Balcos works hand-in-hand with these vendors to insure their own success. Distributors, fire safety and security firms, hood and vent cleaners and any other businesses that work with the hospitality industry are welcome clients. Balcos understands your needs because we understand your customers.
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