425-289-3447
tyler@pathins.com
12715 Bel-Red RD STE 130
Bellevue, WA 98005

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Niche Insurance

Technology Insurance in Bellevue, WA

Comprehensive

You need insurance and benefit solutions that are as innovative as your company. At Path Insurance Solutions we know the many risks that your technology company faces, and because we have access to a full suite of products from a multitude of carriers, we are able to protect your long-term interests while addressing your immediate challenges. We have Technology Insurance solutions for:

  • General Liability
  • Professional Liability
  • Management Liability
  • Disability
  • Commercial Property
  • Commercial Auto
  • Workers Compensation
  • Electronic Data Breach
  • Computer Based Crime
  • International Coverage
  • Group Benefits

Customizable

Commercial insurance is rarely "one size fits all", especially in the Technology space. We understand that every company will have a different set of risks to manage. Because we are not beholden to one company with one set of products or bundled services, we can tailor fit your coverage to your needs. Through understanding your companies mission, we can ensure that all of your risks are addressed, while at the same time making certain that you are not paying for coverage that is not necessary. We work to find you the best value for your insurance dollar.

Contact one of our Technology Specialists today at : Techinsurance@pathins.com

Medical Marijuana Dispensary Insurance

Medical marijuana crop insurance coverage is designed to protect your small, medium and large growing operations. We can also cover your nursery and greenhouse. The coverage's listed below are all important and should be taken into consideration when buying your insurance policy.

  • General Liability Coverage
  • Theft-Fire-Vandalism
  • Building-Equipment-Crop
  • Transit-Delivery Coverage
  • Workers Compensation
  • Other Standard Perils
  • Food-Oils-and Bud Coverage

What Will Be Covered?

Below are potential causes of loss that you will be covered for:

  • Smoke
  • Fire
  • Theft
  • Explosions
  • Vandalism
  • Hail or Windstorm
  • Lightening
  • Leakage from fire safety systems
  • Water damage from heating devices and air conditioning devices along with accidental discharge from plumbing

There are also a number of other exposures that could cause damage to your business and it is always best to discuss your concerns with one of our insurance professionals.

Caregivers and Dispensaries we can offer numerous products for dispensaries, cooperatives, collectives, and caregivers including:

  • General Liability Coverage
  • Business Auto Coverage
  • Workers' Compensation
  • Business Property Insurance

Cannabis product developers and commercial kitchens face challenges unique to the cannabis industry. From product liability to stock coverages, Path Insurance Solutions understands the intricacies and details of running and insuring a cannabis business.

  • Equipment Breakdown
  • Stock Spoilage
  • Business Property
  • Finished Stock, Marijuana Theft and Fire
  • In-Transit/Cargo Coverage
  • Product Liability Coverage

Professional Libiality is typically excluded from a general liability policy. This coverage will protect you against claims made by clients for failing to adequately perform the contracted services you promised to perform or any negligence by you in performing those services.

We can also provide protection for attorneys and legal professionals working specifically in the medical cannabis industry.

State Raid & Legal Defense

Provides legal defense cost on a reimbursement basis for arrest or charges brought against you by any governmental entity that arises from the transportation, cultivation, possession, or distribution of medical marijuana or any manufactured product containing marijuana. The insured must plead not guilty and also believe they have a legal right to do so under local and state guidelines. Your coverage will begin to pay fees incurred 60 days after the first one of the following events:

  • Charges are dismissed
  • The insured is found not guilty of all charges
  • The insured pleads not guilty to all charges

The Governmental Action Reimbursement Endorsement provides coverage up to $5000 per occurrence and $10,000 on an annual basis.

Medicare Supplemental

Medicare coverage has many gaps in coverage so it is important to consider additional protection. You get this additional protection through a product called Medicare Supplements another name for it is a Medigap plan.

Medicare Supplement coverage is designed to fill in the gaps in Medicare coverage. These plans have different coverage limits and premiums. Often called lettered plans, the one with the most comprehensive coverage is the "F" plan. Prescription drug coverage is not included with these plans so you must purchase that separately.

Modernized Medicare Supplement Plans can potentially be much less expensive than a Medigap plan that you currently have. You can change from company to company as long as you stay with the same type of plan throughout the year. We will do the shopping for you and often times we will have a company that is less expensive then the company you are currently with. And the good news is that in Washington our plans are guaranteed issue as long as your switch from like plan to like plan.

Open Enrollment Period for Medicare Advantage Plans

Begins October 15 and ends December 7 for a January 1st Election Date

Joining a plan mid-year can be done because of the following circumstances:

  • 3 months before your 65 birthday and 3 months after
  • If you move out of your plan's service are you are eligible for Special Enrollment Period (SEP)
  • One-time per year you can change to a 5-Star rated Medicare plan
  • And for all people on a Medicad plan you can change any time and your new plan will be effective the following month

Prescription Drug Plans

You have two ways to get prescription drug coverage

  • Medicare Prescription Drug Plans also called PDPs
  • Medicare Advantage Plans require you to have Part A and Part B to join

Please call or email us today for a free consultation!

425-289-3447 or MedicareSupplement@pathins.com

Brewery Insurance

Our insurance program for brewers is crafted to address the specific exposures faced by breweries in today's market place. The insurance package we will design for you will be unique for your brewery or brewpub because we know that every business is unique in it's own way.

Below are some of the most common insurance coverage's needed to protect your brewery or brewpub.

Property Insurance: Covers damage to or loss of your property including buildings and their contents. It also covers brewpubs for food spoilage and loss of income.

A common mistake by most breweries and brewpubs is to insure their property for what they purchased it for. Unfortunately replacing these items years later may cost more or there may not be the opportunity that you had originally. A good example would be when a company started it's business it bought used equipment from a brewery going out of business and got that equipment at a deep discount. At the time of the loss the brewery then had to go purchase brand new equipment at a much higher price.

Make sure that your property insurance includes "Loss of Income" coverage, so that in the event of a claim you can continue to pay your expenses during the down time between the claim and getting your brewery back up and running.

Liability Insurance: Covers you for bodily injury or damage to other people's property. The most common causes for a loss are slips and falls on your premises and the product liability for manufacturing beer and food.

Liability insurance is required the day you sign your lease or when you start distributing your product.

Liquor Liability Insurance: Covers you for the serving, sale, and manufacturing of alcohol.The most common cause of loss is when a patron consumes too much alcohol at your brewpub or brewery and gets into an accident in their car after they have left.

The biggest mistake we see with most breweries' is that they purchase their first policy when they open the doors and do not make changes to it as their businesses change. For example a year into business a brewery decides to open a tap room and serve alcohol on premises. The initial policy may not cover on premises consumption of their product and this becomes the breweries biggest exposure to a liquor liability claim if not updated on their policy.

Property-in-Transit: Covers your product or equipment when it is off your business premises. If you lease kegs often times the leasing company will require you to have this coverage up to a certain limit.

Auto Insurance: Covers you for losses relating to accidents involving company vehicles and losses incurred when an employee uses their vehicle in the course of business. For example the brewery ran out of yeast and the brew master had to run to pick more up using his own car and caused an accident while doing so.

Employment Pratices Liability Insurance: Covers the employer for sexual harassment, wrongful termination, creating a hostile work environment, not paying employees overtime, and various other risks.

Breweries' are a place were alcohol is made and consumed and employees are often younger women and men so not having this coverage is just very risky.

Let Path Insurance Solutions Craft the coverage for your Brewery or Brewpub today! Please call 425-289-3447 or email us at breweryinsurance@pathins.com