Get Affordable Dram Shop Insurance
Enjoy better coverage & lower rates
Call 260-768-4609 or click below now.
Providing the best liquor liability insurance at the lowest cost is our specialty. Our certified commercial insurance counselors focus exclusively in the commercial insurance space and know what your dram shop needs.
What does that mean for you? It means we know exactly how to:
1. Lower your rates
2. Simplify your insurance
3. Ensure you're properly protected
Saving you time, money & headaches so you can focus on running your dram shop!
We work with all types businesses that make, serve or sell alcohol, large or small.
Frustrated by the complexity of your current policy?
Afraid you're over-paying for your insurance?
Upset about a claim that was denied?
Worried about the future of your business in today's uncertain climate?
Hard to get straight answers & phone calls returned from your current insurance company?
Tired of working with agents who don't know your industry well?
Wasting valuable time trying to keep up with new regulations?
Let us help. We solve problems like these for our clients everyday!
We have not one, but 13, Certified Insurance Counselors on our Commercial team who know the insurance industry inside and out. Certified Insurance Counselors are recognized for their expertise and commitment to counseling clients on the proper coverage.
Our CIC agents go beyond just writing an insurance policy. With an understanding of regulations & state requirements, they sweat the details so you save time, money & can focus on what you do best - growing your company!
DON'T JUST GET INSURANCE...GET HUMMEL!®
You can get a simple insurance policy from anywhere. But you can't get a full team of commercial insurance experts on your side, just anywhere! The Hummel team has been earning the trust of business owners since 1957 by not just selling policies, but building long-term relationships that feel more like a partnership. We're problem-solvers and advisors more than anything. Get the Hummel Team in your corner today!
Since 1957, Hummel has been building its business on its uncompromising values of integrity, trust & hard work.
Your Hummel risk advisor is going to provide you with a custom-tailored insurance plan that's best for you, not our company. We're in the business of trust-building, not selling policies.
Claims Service You Can Count On.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.
Property insurance can be broken down into two categories:
Building Coverage – To insure buildings and other property attached to the buildings.
Contents Coverage – To insure physical assets and property owned by the business but not attached to the building. (Examples include computers, printers, other equipment)
*Additional covered property typically includes: signs, retaining walls, lights, poles, and more.
We provide a comprehensive liability policy for businesses.
Our liability coverage may include but is not limited to the following:
- Cyber Liability
- Directors and Officers
- Employee Benefits
- Employment Practices
- Errors & Omissions
- Lessors Risk
- Lost Wages
- Medical Coverage
- Special Event Coverage
- Umbrella & Excess Liability
Umbrella coverage, also known as "Excess Liability," is available in amounts from $1,000,000 to $10,000,000. Umbrella insurance pays on claims that go over your General Liability, Auto, and other coverage limits.
Commercial auto insurance provides coverage for vehicles owned by your business. Covered vehicles may include cars, trucks, vans, or larger industrial vehicles, like box trucks, semi trucks, and dump trucks Packages may include:
- Physical Damage
- Uninsured Motorists
- Medical Payments
- Hired Auto
- Non-Owned Coverage
Workers' Compensation provides coverage for employees with work-related injuries. Workers' Compensation insurance is legally required in most states for any entities that hire employees. We have multiple options to provide solutions for your unique needs.
Our job as your advisor is to help identify the risks facing you or your business, educate you on the options available to reduce or remove those risks, and help you implement a strategic plan.
Depending on your risks, you may want to add coverage for:
- Equipment Breakdown
- Loss of Rents
- Law & Ordinance
- Environmental Impairment or Pollution
Internet safety is becoming an important consideration for businesses everywhere. For some businesses, additional cybersecurity coverage is the best way to complete their online defense.
Hummel Group provides coverage options to protect against a variety of issues ranging from data breaches to embezzlement.
- Cyber Liability
- Employee Dishonesty/Fidelity Bond
- Forgery and Alterations
- Computer Fraud Coverage
- Money and Securities
Streamline your insurance needs and enjoy having one point of contact for both property and liability insurance and medical insurance for your employees. The team at Hummel can provide you with competitive group rates with top-rated health, dental, and vision insurance providers.
We’re based in northeast Ohio but serve commercial clients all over the lower 48 states. So no matter where you are, please reach out so we can help you!