Bar/TavernTW Covers Your Business— and Then Some

What do a bed & breakfast, an apartment complex, and a tree farm have in common? For starters, they are all businesses, but they also share something with your neighbor’s backyard wedding reception and the homeowners’ association formed in your residential development.

TW can protect all of the above from loss and liability with commercial and nontraditional insurance packages. Coverage of food services and forest products are among TW’s strengths under its commercial insurance offerings, but there are other diverse businesses that qualify under TW’s Neighborhood Program. Finally, there are those events in your life that may come and go but, because there are risks involved, need coverage just in case. They are all part of TW’s Specialty Insurance Program.

We cover your business and the business of living, which may include that ice cream stand that is only open during the summer months.


LoggingTW Takes on Forest Industry Risks

“Wood” may be a four-letter word, but it is a favorite at TW because it is the key commodity in one major branch— forest products—accented in our commercial coverage. It includes everything from the tree farms and woodlots from where the lumber comes, to the sawmills and lumberyards that process, store and sell wood products. Of course, logging and lumbering are also among the preferred classes in this industry.

TW expects in return that these businesses be well-managed, and, generally, the risks themselves are small- and medium-sized. Many forest product businesses in TW’s geographical area rely on a small number of employees and include craftspeople.

Following are TW’s desired classes under forestry products, but check with your local agent just to be sure:

  • Tree Farms
  • Logging and Lumbering
  • Sawmills
  • Lumberyards
  • Building Supply Dealers
  • Woodworking
  • Cabinetmakers
  • Pallet Manufacturers
  • Furniture Stores

pizza shopFood Services Find a Partner at TW

“Food” is another of those four-letter words that make some insurers wary because of the risks involved. Restaurants, caterers and other food services are generally regarded as risky businesses, but there are various factors that must be considered in a well-managed operation aside from the food being served, including equipment, locations and customers being served.

Risks include food contamination, slip-and-fall liability, property damage and even vehicle accidents and breakdowns for caterers traveling to and from events. TW takes into consideration building construction and the projected cost of rebuilding in the event of severe loss.

Liquor liability coverage is usually excluded from general liability, but the serving of alcohol is common in the food service industry and TW provides this coverage in most restaurant classes. Coverage for spoiled or contaminated food is also available.

Following are the typical types of food services covered by TW:

  • Restaurants with or without alcohol
  • Fast Food Restaurants
  • Seasonal Restaurants>
  • Bars and Taverns
  • Catering
  • Social and Fraternal Clubs
  • Mini Marts and Grocery Stores
  • Convenience Stores
  • Ice Cream Stands
  • Concession and Refreshment Stands
  • Luncheonettes and Delicatessens
  • Hoagie and Pizza Shops

If you need to find a local agent to learn more, use our agent locator.



barber poll

TW’s There for Its Neighbors

Small- and medium-sized businesses have become integral to the American landscape and are often part of the neighborhood. Neighborhoods are components of larger communities where everyone, resident or businessperson, is more likely to know each other and share common interests. TW covers numerous other commercial risks through its Neighborhood Program.

Our homeowners insurance covers renters, but there are also those in the business of renting to others, and this is one place in our commercial coverage where we cover the risks of people who own apartment buildings and other residential rental properties. Common classes in TW’s Neighborhood Program include, but are not restricted to, the following:

  • Antique shops
  • Apartments
  • Beauticians
  • Bed & Breakfasts
  • Convenience stores
  • Offices
  • Restaurants
  • Retail stores
  • Sporting goods
  • Trade Contractors Programs
  • Video stores

TW Takes Risk Out of Special Times

There are those unique risks that aren’t part of standard insurance policies because they are occasional, seasonal or once-in-a-lifetime. Some fall under the heading of “event” insurance while others don’t seem to have a logical home. TW includes them under Specialty Insurance, but most of them seem to be quality-of-life issues.

It may be a hunters’ or sportsman’s club that is active at a certain time of the year or on occasional weekends. How about an indoor or outdoor specialty market—a flea market or book sale—or seasonal events that last a day, a weekend or a number of months? Booths at fairs or arts festivals would apply, as would food vendors and people selling goods at open-air markets.

A wedding reception or graduation celebration in the backyard with dozens in attendance qualifies as one of those social gatherings or special events. Any special event that brings in outsiders and exposes them to risks may also qualify. Campgrounds and mobile home parks fall under this specialty coverage, as do bowling alleys and amateur sports events with multiple teams and participants.

Specialty insurance also covers:

  • homeowners associations
  • vacant land and property tagged for real estate development other than home construction
  • mini-warehouses
  • contractor’s equipment.

Property-only coverage is available to the following:

  • welding and machine shops
  • auto body and auto repair shops
  • personal care homes
  • day care facilities
  • roller skating rinks


TW’s Umbrella Protects from Downpours

Commercial umbrella coverage is a protection against catastrophic loss, and that’s because primary liability coverage may come up short if your business is on the losing end of a lawsuit. You can’t add umbrella protection without securing general liability protection. It’s the extra protection “over and above” the primary coverage and takes effect when the primary coverage has been exhausted.

The retained limit, or primary liability, is what you are required to carry, but the umbrella will help pay the ultimate net loss, or the amount your business is actually ordered to pay in a settlement. In essence, TW is agreeing to pay the difference between the retained limit and what you are required to pay.

For more information or service, contact a local agent by using your agent locator to find one near you.

Did You Know?

The Tuscarora Wayne Community Room, the banquet and meeting facility in the Greater Wyalusing Chamber of Commerce Building, hosts dozens of major fund-raisers every year bringing tens of thousands of dollars back into the community.