Besnard Owner Operators Workers Comp

BESNARD INSURANCE | WWW.BESNARDINSURANCE.COM

Besnard started insuring Owner/Operator Restaurants in 1979. Our track record, people, experience, dedication, and passion make us the most qualified to support your Owner/Operator business. Since the beginning, we have been a trusted partner putting your long-term business needs first. Insuring restaurants is what we do, and delivering long-term value while strengthening our clients’ businesses is why we are successful.

BELOW IS JUST A SAMPLING AS TO WHY OWNER/OPERATOR RESTAURANTS OWNERS TRUST US:

WE INNOVATE AND LEAD ON EXCLUSIVE PRODUCTS, PARTNERS, & SOLUTIONS.

Property Strategic Property Insurance Placements Large Scale Coastal Insurance Programs Lloyds Of London Coverholder Workers Compensation EPLI (Employment Practices Liability)

Liability

General Liability Excess and Umbrella Trade Name Restoration Cyber And More...

WE LEAD ON PASSION. WE WORK FOR YOU.

Our Dedication Is To You Quicker Solution Development Investment Into Your System

Focused On You More Flexibility To Innovate Culture Of Exceeding Expectations

WE LEAD ON SAFETY AND PREVENTION . WE HAVE LOWER COSTS SO WE CAN INVEST MORE INTO SERVICE AND DELIVER MORE VALUE.

SUPPORTING YOUR CAUSES IN EVERY WAY

Proud supporters of our clients’ charities across the country – we say “yes” to being involved.

Our employee’s work shift (s) in our clients’ restaurants as crew to be sure they understand your business and work environment. This results in a high level of service and increased value. This also shows our dedication to the brand.

We proudly support national organizations and specifically the local charitable organizations that you support.

WE INSURE OVER 5,000 RESTAURANTS FROM COAST TO COAST

2025

1979

BESNARD MAKES YOUR RESTAURANT BRAND STRONGER

Third Party Delivery

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Oversupply of Restaurants

Technology

Talent Acquisition

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Global Restaurant Insurance Strategies

Multiple Global Insurance Markets Coming Together To Share Risk

ANNUALLY PLACE OVER 40 INSURANCE COMPANIES INCLUDING FIVE OF THE WORLD’S LARGEST REINSURANCE COMPANIES CUSTOMIZE ALTERNATIVE RISK TRANSFER Captives • Loss-Sensitive Plans • Self-Insured Groups/Pools • Multi-Year Policies

Insurance Products/Solutions

RESTAURANT INSURANCE SOLUTIONS

General Liability Commercial Auto Liquor Liability Bank / Wire Fraud Commercial Umbrella Active Shooter

Property Workers Compensation Trade Name Restoration Employment Practices Liability Crime Cyber / Network Security

CATASTROPHIC COVERAGES

Earthquake Wind Deductible Buy Down No Capacity Limitations

Hurricanes/Name Storms Tornados Floods Wild Fires

The months of July to October are always nerve racking for a franchisee on the Gulf coast. We are constantly watching the Gulf of Mexico for tropical weather. It is nice to know our insurance agency is doing the same. They live in a hurricane zone and understand our fears, our needs and are always quick to respond. “

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Long-Term Program Benefits

Improved Cost Control Restaurant Risk Management Increased Stability of Insurance Pricing Dynamic Market Participation

Economies of Scale Specialized Restaurant Insurance Solutions Consistent Policy Services Insurance Capacity

Besnard has delivered the best value for the money that I’ve seen in the property and liability world for many years. They are thorough and responsive to our insurance needs. “

We have nearly 100 professional and knowledgeable team members and partner members delivering first-class service as our Owner/Operator Restaurant Account Team. Without all of the red-tape commonly found in larger organizations, our staff has the ability and authority to quickly solve problems, make decisions without layers of management, and most importantly, deliver the best insurance service, products, solutions and value. Besnard Team

VIDEO PRODUCTION ACCOUNTING DRUG FREE PROGRAMS

WORK COMP LIAISON SALES LOSS CONTROL

EMPLOYMENT PRACTICES SUPPORT CHARITABLE FOUNDATIONS INFORMATION TECHNOLOGY UNDERWRITING

UTILITY BONDS

LEGAL

HUMAN RESOURCES TALENT MANAGEMENT LOSS RUN ANALYSIS

POLICY SERVICES WEB DEVELOPMENT PREMIUM AUDIT VENDOR RE LATIONS CERTIFICATES

ADVERTISING

CLAIM ADJUSTING E-LEARNING DELIVERY AND SUPPORT

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Risk Consulting

ALL RESTAURANT OWNERS + BRANDS HAVE DIFFERENT NEEDS. WHAT’S YOUR NEED?

VALUE Our industry focus and niche-based approach delivers solutions that are not only competitive in the short term, but bring greater long-term benefits, often improving your business’ bottom line and its overall value. ADVISOR Our concept-focused model gives us the insight we need into your business to advise on proper protection and coverage tailored to your operation. Partnering with us brings better results for your business, both short-term and long-term. A LONG-TERM APPROACH We are dedicated to providing our clients with loyal and lasting relationships, built on competitive programs, consistency, superior service, and outstanding insurance products and coverages. TRUST We work for you. We take great pride in exceeding expectations and working hard for you every day. This is a long-term partnership, and we look forward to having you as part of our family. SERVICE When you call us, you will get your Account Manager and your service team. We have no generic service or call centers, we do not outsource functions, and because your call is important, we will never send your call overseas. All our clients have our mobile phone numbers and can reach us anytime. EASE OF DOING BUSINESS We have an obsessive focus on delivering for you – within your timeframe, not ours. We respond quickly and act with a high sense of urgency.

Policy Services

DEDICATED TO YOUR ORGANIZATION

We employ the highest caliber people who embody outstanding work ethic, impeccable character, strong interpersonal skills and entrepreneurial qualities with the primary objective of providing our clients with a professional experience that differentiates Besnard Insurance from our peers. Besnard Insurance is a one stop shop for all your insurance needs. They are not only the most competitive for my business needs but their Staff from the owner to clerical have provided hands down service. Their knowledge and easy access has proven to be invaluable and have been instrumental in not only helping me understand what’s appropriate for my business but also ensuring that we take full advantage of benefits offered/included in our packages. I recommend Besnard Insurance for your Insurance needs and thank them for their partnership. “

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Claim Management Services

Working with our Clients, Insurance Companies and Third Party Administrators, Besnard Insurance and its partners are committed to managing claims from beginning to end. From the moment a claim is reported, we work diligently to ensure all parties (claims adjuster, insured, injured party, vendors, etc.) are working together and striving to close claims for the best possible outcome.

ALL PARTIES WORKING TOGETHER AND STRIVING TO CLOSE CLAIMS FOR THE BEST POSSIBLE OUTCOME

Part of this includes providing our clients detailed claims analysis. We identify key loss drivers to ensure our risk management solutions are focused on the areas affecting clients most frequently. We also provide on demand loss runs and claim reviews when you need them. In the event of a large claim, we are here for you. Our Risk Management team will lead the efforts to get you back up and running quickly. We will work directly with claims adjusters and third parties to keep the claim on track and keep you up-to-date on its status.

CLAIMS ADJUSTERS

RESTAURANTS

LEGAL

MANAGING CLAIMS FROM BEGINNING TO END BESNARD TEAM

VENDORS

BRAND(S) OR COMPANY

INJURED PARTY

We analyze claims from the thousands of Owner/Operator Restaurants we insure. We then present restaurants with practical solutions to support them in running the best and safest restaurants. Loss Analysis and Communication

What is this costing you?

We are transparent in showing the facts

With Besnard as your partner, your business is stronger

Learn exactly what types of injuries are costing your restaurant business

See what each location is costing you in insurance

OUR MISSION To deliver the highest level of loss control and safety services to Owner/Operator Restaurant clients and their teams resulting in an improved customer experience and higher value and profit for their business. We start by having the most experienced, passionate, service-driven people. We then earn our clients’ trust every day based on our delivery of safety advisory services, claims advocacy, ancillary insurance solutions, resources, and the coordination of overall service. We build true partnerships through our proactive, personalized plans resulting in long-term value for our clients restaurant businesses. Safety Services

Owner/Operator Mobile App

WE OFFER A CUSTOMIZABLE RISK MANAGEMENT MOBILE APP

YOUR COMPANY LOGO

Risk Management For

available for iPhone and Androids

FIND...

SHARE...

& PRINT!

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Safety Solutions for all Industries

FREE RISK MANAGEMENT WEB SITE

This custom website for your company provides the basic tools for success while uniting your restaurants around safety/insurance.

ONLINE CONTENT INCLUDES:

Safety Videos Articles Safety Products

Posters Safety Updates And Much More...

ManagerSafetyUniversity.com FREE ONLINE MANAGER’S SAFETY TRAINING SOLUTION

All restaurant businesses want to protect their customers, people, and profits. We know that this can be accomplished by hiring the best people, implementing best practices, and making safety training a priority. At Manager’s Safety University, we believe in helping you achieve these goals through our FREE Manager’s safety training solution. All you have to do is self-register Managers and Supervisors in our system, and we do the rest.

MANAGER’S SAFETY UNIVERSITY IS A MULTI PART ONLINE SAFETY TRAINING PORTAL WHICH WILL EDUCATE YOUR MANAGERS AND SUPERVISORS ON THE FOLLOWING:

Worker Safety Part 1 (Prevention) • Manager and Supervisor roles in safety • Best practices to hiring the best employees

Customer Safety Training • The importance of maintaining a safe store from the start • How to run a safer shift • What to do after an incident occurs Property Protection • Fire Prevention • Equipment Maintenance • Reacting to a Fire • Hiring the Best Contractors • Replacing Old Fryers • ANSUL System Servicing/Usage Sample Content Above. We customize based on needs.

• Employee safety training • Maintenance worker safety

Worker Safety Part 2 (Manage Claims) • Manager’s role in managing claims • Additional resources to assist you promoting a safe working environment Safer Driving • The dangers of distracted driving • Eliminating driving distractions • Safe driving and stopping distances

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Strategic Quarterly Newsletters

Profiting From Safety

Safety and Safer Equipment

Safety Training

Managers Safety University is available this Summer for FREE to safety train all your managers and supervisors. ManagersSafetyU.com

Profiting From Safety

Summer is a great time to review the latest safety information. ProfitingFromSafety.com

Fryers

The newer LOV fryers are a great Summer restaurant upgrade and are also proven to reduce your chance for a fire. We encourage you to replace fryers manufactured prior to 2004. Also, be sure ALL your restaurants have a UL300 Ansul system. ProfitingFromSafety.com/new-the-lov-fryers/

Safety Equipment

The Safety Equipment Best Practices Program has officially launched the Summer catalog. You can get all your McDonald’s related Safety Products located in one place. ProfitingFromSafety.com/safety-equipment-best-practices-program/

Safer Floors

Floor Tile Owner/Operators are excited this Summer to have Slip Safe available to treat lobby floor tiles in high traffic areas. Visit SlipSafeTile.com to see how people are profiting from this product. ProfitingFromSafety.com/slip-safe-tile-treatment-reduce-slip-fall-claims/ Shoe Policies Many restaurants are still not enforcing the proper shoes, and this is causing employee’s to get hurt and insurance costs to rise. Get your crew in safer shoes this Summer. ProfitingFromSafety.com/slip-resistant-shoes-enfocement-is-key/ Utilizing Floor Mats to Prevent Slips & Falls Floor Mat Care and Placement Slips, trips, and falls are the leading causes of reported accidents and insurance claims in the restaurant

Profiting From Safety

industry. They are the number one cause of employee accidents, one of the top three types of accidents involving customers, and the most costly type of customer accidents. People slip, trip, and fall in a variety of ways resulting in a wide range of injuries. A number of accidents and should include training in the

Questions? Call 813.287.1721 or email us at Safety@BesnardInsurance.com

Regularly clean and inspect mats:

You may want to consider the cost effectiveness of using a textile rental service compared to restaurant-owned mats. Promptly replace mats when they are damaged or worn. If the edges begin to curl up, creating a trip hazard, it is time to replace the mat. When storing a mat, rolling it up rather than folding helps avoid bumps or rises in the mats so

Place mats strategically: Floor mats should be used in areas where there is a

These areas can include:

Entrances and exits. Drink/soda dispensers; coffee stations; and self-serve water dispensers. Sinks and dish washing areas that are constantly wet. Non-absorbent, slip resistant, anti-fatigue mats are best for these conditions.

Reporting Maintenance Issues Immediately

Check equipment and furniture regularly for potential hazards. Take damaged equipment or furniture out of service or block area off completely with a cone, sign, and warning tape. Inspect toilet paper dispensers, toilet seats, changing tables,

up and/or report the unsafe condition promptly to management. Parking lots: report cracks, potholes, and other trip hazards immediately to management.

Restaurant Safety Calendars

: Burns

JANUARY Don’t Get Burned

Always wear proper gloves, face shield, apron, etc. when cleaning cooking equipment Use extra caution around the grill, fryer, and when pouring coffee

Keep the floor clean and dry around cooking equipment Be aware of yourself and others when in work areas and never run

: Slips & Falls

: Fire Safety

DECEMBER Preventing Slips & Falls

APRIL Fire Safety

If a fire occurs in the fryer & the ANSUL system doesn’t discharge, pull the automatic ANSUL fire system handle, leave the area & immediately notify your manager If anything seems out of the ordinary, shut down & unplug the equipment & notify management Make sure exhaust hood filters are installed & cleaned properly

Never walk past a spill: Stop, mark with wet floor cone, clean & dry Be ready for rain & snow: Use dry mops to clean up moisture tracked into the restaurant Keep sidewalks & parking lots free of ice & snow

: Slips & Falls

Contact your manager at first sign of smoke or any other possible issue Inspect Ansul nozzle caps regularly & replace as needed

At a minimum, have enough wet floor signs out for all entrances, beverage stations & inside restrooms to warn customers

MAY

Protecting Our Customers

Put out wet floor signs immediately when any spill is noticed Warn customers of wet areas - guide them around the area Use dry mops to quickly dry floors Clean up dropped food items promptly Always mop with clean water

Our Results

DEDICATION

TRUST

SERVICE

VALUE

TESTIMONIALS FROM RESTAURANT OPERATORS

“As a multi-unit franchise, managing my insurance line is extremely important to my profitability. My decision logic in selecting Besnard as my insurance partner has been their understanding of my business needs. They have been nothing but fair and competitive with a personal touch that is second to none. I value our relationships for all my insurance needs.”

“The Besnard Team is accessible, knowledgeable and always places excellent customer service at the fore front. It has been a pleasure and continues to be a pleasure to work with company representatives; I find that each are an incredible resource in explaining and aiding the understanding of the intricacies of our insurance policies and anytime they are called upon for assistance they are always very responsive. You truly feel that your business and relationship are valued”

“We have been with Besnard Insurance since 2015 and prior to that time we had not worked closely with our Insurance Broker. That all changed in 2015. We have found Besnard Insurance to be excellent partners. They are very attentive to our needs, not only in educating our team in Safety but their marketing materials, which they distribute throughout the year, are first rate and assist us in keeping safety top of mind.”

WE CAN GIVE YOU COUNTLESS REFERENCES FROM AROUND THE COUNTRY

SHARING OUR SUCCESS TO MAKE THE WORLD A BETTER PLACE.

You can feel good about doing business with Besnard as a portion of our revenue annually goes to support a better world. How We're Helping. We focus on helping make the world around us a better, happier place. This is part of our legacy made possible by our clients, employees, and partners.

MATCHING GIFT PROGRAM Our employees can make eligible donations to charities and Besnard matches their contribu tions.

VOLUNTEER GRANT PROGRAM When our employees donate their time to an eligible nonprofit, Besnard makes a monetary donation to the organization.

GET INVOLVED Are you passionate about what we're doing? Let us know! We are always looking for ways to make our vision a reality. To recommend a charity, or to learn more about how we give back to our community, please visit our site at: HTTP://BESNARDCHARITY.ORG/

A FEW OF THE CHARITIES WE SUPPORT

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HOSPICE

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