Digital Cleanup Day, happening every year on the third Saturday of March (March 21 in 2026), is basically a reminder to clean out all the old files, unused apps, and outdated devices we all hang onto for way too long. Cutting down on “dark data” and retiring older tech means there’s less information for hackers to go after, which helps reduce the fallout if something does go wrong. [digitalcle…nupday.org]

Then we’ve got World Backup Day on March 31, which is your nudge to actually back up your stuff (because most people still don’t!). With 21% of people never backing up and 1,113 phones lost or stolen every minute, backups make a huge difference in how quickly you can recover from an attack or hardware failure, and can even prevent a ransomware situation from turning into a full‑blown disaster. [worldbackupday.com]

And if something does happen? That’s where cyber liability insurance comes in. Think of it as your financial and technical safety net: it can cover things like forensic investigations, legal help, customer notifications, data recovery, and business interruption. So while these March events help lower your chances of having a breach in the first place, cyber liability insurance helps make sure you’re not handling the aftermath alone.

Running a restaurant means juggling a lot more than menus and reservations — you’re also managing data, employees, equipment, and high‑stakes daily operations. That’s why having the right insurance package matters. Beyond the basics, many restaurants choose to add optional coverages that protect them from industry‑specific risks.

Think of these optional protections as a buffet of coverages — you can choose the items that best fit your restaurant’s unique needs.

Spoilage Coverage

If refrigeration or heating equipment fails — or if there’s a power outage — this coverage helps reimburse you for lost food and income.

Business Income for Food Contamination

If public health authorities require you to close due to contamination, this coverage compensates you for lost income during the shutdown.

Liquor Liability

If your restaurant serves alcohol, this is essential. It covers legal expenses and damages that may arise from incidents connected to alcohol consumption.

Franchise Upgrade Coverage

For franchise owners, this coverage helps pay the additional costs needed to restore your space to brand standards after a covered loss.

Employee Dishonesty

Protects your business if an employee steals money, securities, or other property.

Employment Practices Liability (EPL)

Claims of discrimination, wrongful termination, or harassment — whether from employees, patrons, or vendors — can be extremely costly. EPL coverage helps safeguard your business from these risks.

Data Breach Protection

If customer or employee information is compromised, this coverage helps with response costs, legal fees, and even lost income.

Electronic Data & Computer Operations Coverage

From viruses to corrupted files, tech issues can shut down your operations. This coverage helps restore lost data and covers income lost during the outage.

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How Our Agency Helps Restaurants Find the Right Protection

Every restaurant is unique — your insurance should be too. Our agency works closely with restaurant owners to:

• Shop multiple top carriers to find the best pricing and coverage
• Customize a protection plan that fits your operations, risks, and budget
• Fill coverage gaps that could expose you to costly claims
• Support you year‑round as your business evolves

Whether you run a small café or a busy full‑service restaurant, we make insurance simple, tailored, and affordable.

Who Needs Workers’ Compensation?
Are you a business owner who hires employees? If so, you are legally required to carry workers’ compensation insurance in the state of Colorado. This is true whether you have just one employee or an entire team of workers. Employers who do not carry workers’ comp insurance can be fined up to $500 for every day they are uninsured. Offering health insurance is not a substitute and many health plans exclude injuries that may be covered under workers’ comp.

What Benefits Does Workers’ Compensation Provide?
Workers’ comp covers medical costs and lost wages for employees injured on the job, but it also helps protect your business. It covers unexpected costs and helps injured employees get back to work quickly, keeping your operations running smoothly. This is especially important for businesses that largely rely on their workforce: restaurants, retail stores, medical and professional offices. It also gives you legal protection as, in most cases, employees who receive workers’ comp benefits cannot sue their employer for additional compensation. If an employee is injured on the job and does sue their employer, workers’ comp can cover legal expenses and protect a business in the event of a lawsuit.

Whether it’s burns and cuts in a busy kitchen, Repetitive Strain Injuries from lifting heavy objects, or simple slips and falls, accidents happen and having the right workers’ comp coverage in place is crucial. It protects your employees, which, in turn, protects you and your business.

If you need workers’ comp insurance in the state of Colorado, please contact our office at
303-951-5982. We can assist with all your business insurance policies or just your workers’ comp.