Benefits of Bret Dixon Insurance

Why should you choose Bret Dixon Insurance? 

Consider all of our benefits:

Excellent Markets

• • Seven Liquor Liability Companies

• • Specialized Insurance Companies dealing only in your industry

• • We offer full lines of products - property, liability, dram shop, worker's compensation & more

• • Tailor-made packages to suit your unique business needs

Nine Offices

• • We come to you to evaluate your particular needs.  Your establishment isn't exactly like any other, so why should it be rated like any other?

• • One toll-free telephone number to contact us

• • Super Service Center handles all of your needs in one location for quicker processing
• • Emergency after-hours claim hotline

Specialty Programs

Custom Financing Plans

• • Tailor-made payment plans to better fit your budget with Maverick Premium Finance

In-House Loss Control Dept.

• • Contractor & Vendor lists - why scramble through the yellow pages when you need service?  Check our website for contractors near you and their contact info.
• • Working hand in hand with your contractors to get the paperwork for your insurance company so you don't have to.  Go back to running your business, not worrying about service receipts!

• • "Preferred Vendor" List - Contractors who work very closely with our Loss Control Dept. and may offer discounts to our customers.

Specialized Claims Dept.

• • Expedient handling of claims and documentation - we don't just report your claim to your company, we stay on top of them and make sure an adjuster is assigned within 24 hours and then keep you apprised of the situation.

• • Providing you with step-by-step instructions as soon as you call in to report your claim.

This Website

• • Easy to submit Incident Reports or request a Certificate

• • Find valuable information about insurance and what's going on in your industry.
• • Members Area provides in-depth, insightful articles into how to run a better restaurant or tavern.
• • Links to a variety of other sources of information about the hospitality industry

Management Guides

• • Provides you with samples of written procedures and policies for your establishment for different situations that may arise.  Give your staff a written procedure on how to handle all types of difficult situations that may arise.

Discounted Alcohol Training

• • Bassett and TAMS liquor training available to you and your employees.

Quarterly Newsletters

• Providing you valuable information about insurance and what's going on in your industry.  Each issue we discuss a different type of coverage or type of loss and explore the topic in more detail, looking at how it could effect businesses like yours.  Published in print and through email, past issues are archived in the Members' Area.

CYA Bucket Program             [photo]

• Smoking Bans are a "burning" issue with local government right now.  But smoking has always been an issue with insurance companies.  It's been estimated that improper disposal of cigarette butts results in upwards of 40% of all restaurant or tavern fires.  We provide our clients metal buckets to dispose of smoking materials in our "Can Your Ashes" program.

BDI Moneybags                     [photo]

• As a restaurant or tavern owner, you have the top thing on any criminal's wish list: cold, hard cash.  This program provides our clients a money pouch stuffed with a list of the "Do's and Don'ts of Handling Cash."  It's meant to encourage regular, daily deposits and help you reduce your likelihood of becoming the victim of theft.

State Certificate Mailer

• For our clients in Illinois, you are required to show proof of dram shop insurance when renewing your state license each year.  Instead of inadvertently submitting your renewal without proof of insurance or scrambling around at the last minute to get proof of insurance, we have instituted a program to alleviate these problems.  We check the State's records and mail each of our clients a certificate approximately 60 days prior to their expiration.

Replacement Cost Estimations

• When it comes to property coverage limits for your building or buildings, you may think you know how much you could rebuild your building for.  But the cost of building materials is extremely high right now, and fluctuates on an almost daily basis.  We write whatever limit you want for your building, period.  But if you haven't done your research lately, we have a collaboration with one of the major building value estimating firms in the U.S.  With each new quote we present, we also will present you with an up-to-date estimate of what it would cost to rebuild your structure based on your location, square feet, number of stories, and a number of various building materials you have in your current building.  Most restaurants and taverns are underinsured.  Most of them know they are, but not exactly how much.  We want you to be fully aware of how much you have, so you can make the most informed decisions on how to go about insuring it.

Corporate Verification Service

• Each year we verify that your corporation, if you have one, is still in good standing with the Secretary of State.  The named insured on your policies must match the person or entity who has an insurable interest in your establishment.  So if you forget to renew your corporate filings, or have changed your corp. name and forgotten to tell us, we make sure that you're properly insured.  There's nothing worse than paying for insurance that won't cover you when you have a claim.