Passing: General Liability Insurance For A Catering Biz?
Question:
After years of owning/running a real estate business I've come to the conclusion that do the whims of the business cycle  that it would be a prudent idea to have a secondary income stream. To that end I am in the process of writing a business plan for catering  Q. Please limit the lectures on the % of failures, etc in the Q biz.  Unlike most folks who have this crazy idea, I've spent 6 months so far researching this thing and I do believe that I have it just about figured out, but not all the way - hence the business plan. I know from command experience in the  military that most plans don't survive intact much past fist contact and that flexibility to adapt to dynamic situations is a must. But I expect a lecture or two any way.

Here is the problem: I have hit a solid road block in finding a company that will provide me a quote for general liability insurance. (Don't need workman's comp as only "owners" will provide labor.) Internet quote sites don't respond, my business policy folks don't do "food", my home owners and auto policy companies - same story. Other local companies refer me to companies that don't return calls, and so the saga goes on. Anyone here have a suggestion or two?

Answer:
I'm in the real estate business too and I love downturns in the - business cycle. You see, when real estate cools off the mediocre - brokers drop out like flies and and the remaining clientele gets - spread out over a smaller pool of real estate professionals. The - strong not only survive but prosper. If you can't make a real estate - business work in slow times whatever gives you the idea that you can - be successful in the food biz. That said, your chances of making a - catering business fly are much better than with a sit-down - restaurant. I can't believe your business policy agent doesn't *do - food*. I don't know anything about how Colorado law affects business - but with the vast majority of small businesses being of a food - nature, I'd say you should shop for a new agent. JD, you are so superior.  I bow in your presence.


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