Hospitality & Nutraceutical Insurance Experts

Gain access to dozens of carriers that focus on the hospitality & nutraceutical industries.
Year-over-year savings, guaranteed.

Claims Management

Claims Management

Dealing with insurance claims can be a complex and time-consuming process. We understand the challenges you face when navigating through claim procedures. That's why we offer comprehensive Claims Management services to streamline the entire claims process and ensure you receive a fair and efficient resolution.

Property & Casualty

Property & Casualty Insurance

Protecting your assets and minimizing risks is crucial in today's unpredictable world. We understand the importance of safeguarding your property and assets against potential threats. With comprehensive Property & Casualty Insurance, you can gain peace of mind knowing that you are well-protected.

Risk Management

Risk Management

In today's dynamic business landscape, effective risk management is essential for long-term success. We specialize in providing comprehensive Risk Management solutions tailored to your hospitality business's specific needs. With our expertise and strategic approach, we help you identify, analyze, and mitigate risks, enabling you to make informed decisions and protect your business.

Serving Hospitality & Nutraceuticals For Over 13 Years

How we work

Our Guarantees

✅ Better access to more carriers.
✅ A more professional approach.
✅ A broker that is responsive and serves you around the clock.
✅ We'll solve any issues around claims, premiums, audits, and misclassifications in a timely manner.
✅ We'll take the worry and headache of insurance off your plate so that you can focus on growing and running your business.

Case Studies

Jersey Mike's

6-Unit Jersey Mikes Owner Saved Over 40% And Over $10k On Their Worker's Comp Renewal

➡ Reclassifying employees to the correct worker's comp class code (many jersey mikes have been forced to use the restaurant class code which is incorrect).
➡ Heavily marketed their account to 10 carriers in order to get them to compete against each other and drive down the price.
➡ Structured a safety plan which allowed carriers to provide more credits


Multi-Location Restaurant Owner Successfully Reduced Their Mod Over A 4-Year Period From 138 to 68. Combined With The Soft Market In Worker’s Comp This Has Resulted In a Premium Reduction of 4x.

➡Created a culture focused on safety and accountability.
➡Spent more time on the hiring process including background checks and calling references.
➡Increased hourly pay and included quarterly bonuses based around safety.
The owners are now utilizing their savings to open up a new location.

Event Management

Event Management Company Came With a $20m Requirement For General Liability. We Were Able To Get Quotes To Satisfy This Requirement In 2 days And It Came In 40% Under Budget

Josh Jacobs
Founder & CEO: College Golf Experience

"Insurance is a daunting part of business. It’s difficult to find an agent who has your business interests as a whole, rather than putting their commissions first.Brett and his team have been along for my personal and entrepreneurial ride for the past decade. He’s responsive, respected in the industry, and gets the job done in an efficient manner.It sets my mind at ease in respect to this aspect of business to have him and his team in my corner."

Brian McDonough
Sr. Director, Human Resources
Perkins & Marie Callenders, LLC
& Multiple Franchisee Owner

"Having owned and operated three different businesses at this point, I continue to utilize Brett Lantz's expertise and insurance services for our insurance needs. His partnership with us is invaluable to ensuring that we have the proper coverage and at the best available price."

BELDT Labs - Vitamin Manufacturer

They had a new contract requirement for a big national vendor. Came to Kern Coverage needing to increase their limits to $10M. We were able to replace their prior coverage with a new policy, including an umbrella for a lower premium than they had at $4M in coverage.

Let's Chat About Your Insurance Needs