John "Gio" Favazza

CLCS

Risk Management Advisor with expertise in:

  • Restaurants
  • Breweries
  • Bars & Clubs
  • Wineries

How Can I Help You Today?

Services I Can Help You With

Restaurant Coverage

General Liability Coverage

Liquor Liability

Coverage against intoxicated patrons

Workers Compensation

Protection for employees

EPLI

Employment Practices Liability Coverage

Cannabis Coverage

In all legalized States

“Character is doing the right thing when nobody’s looking.”

- J.C. Watts

Bio

John "Gio" Favazza has spent a lifetime blending his experience in the hospitality industry with a passion for protecting the businesses that make communities thrive. Gio grew up in the restaurant industry having worked in both the Back of House and Front of House at his family’s restaurant Favazza’s on The Hill - a St. Louis institution for over 40 years. Combined with his education at the University of Mississippi (Ole Miss) Gio has learned the importance of long-term planning when navigating the unpredictability of hospitality operations.

As a Risk Advisor at POWERS Insurance and Risk Management, Gio continues his family legacy of service. In this role Gio specializes in helping food and beverage operators manage risk, control costs, and position themselves for long-term viability. His approach goes beyond simply writing insurance policies and focuses on building long-term relationships with operators to address their risks and safeguard their businesses, employees, and livelihoods. 

As the incoming Vice President of the Greater St. Louis Restaurant Association, Gio is dedicated to growing the chapter and advocate for an expanding membership. In his free time Gio and enjoys spending time with his wife, Tierney, and their dog, Enzo.

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"Gio has been a pleasure to work with! He makes a point to always be professional and knowledgeable. He and his team are quick to be proactive and responsive to each and every question and situation that we need to be handled." 

- Theresa H.

"Gio and his entire team were great to work with in helping us set up home and auto insurance. Super responsive and helped outline pros/cons for options in a way that was easy to understand. Highly recommended to simplify a typically stressful process of signing up for insurance"

- Jason C.

Alternative Risk Solutions: Captives and Other Solutions

By JD Powers | August 22, 2024

Managing risk is crucial for contractors of any size. But big projects come with big risks. For large contractors and developers, the scale of projects means greater exposures and higher insurance costs.Many large companies turn to alternative risk solutions to control costs. These programs can have major benefits. However, they require expertise and a strong […]

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Subcontractor Prequalification: Insurance, Surety Bonds, Safety and More

By caseyparisoff | August 22, 2024

In many industries, prequalification is a crucial part of vendor and subcontractor selection. This process helps companies reduce risk by identifying skilled, reliable partners. In construction, subcontractor prequalification is routine during a project’s preconstruction phase. However, standardizing this process benefits many industries, from cannabis to manufacturing. Why is a prequalification process important, and what information […]

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Overcoming the Skilled Labor Shortage: 4 Strategies for Recruitment, Retention, and Growth

By JD Powers | August 22, 2024

Companies across the US are grappling with the challenge of attracting and retaining qualified employees. More than 70% of organizations report struggling to attract new talent – facing challenges like: The construction industry is a prime example of the labor shortage issue. Job growth is projected to grow at 7% through 2030, which means the […]

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Driver Qualification: The Ultimate Checklist for Employers

By Christopher Sullivan | August 14, 2024

Motor vehicle accidents continue to be a leading cause of injury and death in the US. Is your business at risk every time an employee gets behind the wheel? A driver qualification checklist can protect your company, your team, and your bottom line. Here’s everything you need to know. Definition of driver qualification Driver qualification […]

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Understanding Your Workers’ Comp E-mod

By JD Powers | August 2, 2024

As a business owner, you’ve probably heard the term “experience modification factor” – or “e-mod” – when discussing your workers’ compensation insurance. You might know that this factor looks at your previous claims to adjust your workers’ comp premium higher or lower. But what exactly goes into your e-mod and how can you keep work […]

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Navigating Liquor Liability: Understanding the Risks for Bar Owners

By Christopher Sullivan | March 21, 2024

Whether you’re a seasoned veteran in the hospitality industry or just starting out, understanding the inherent risks associated with serving alcohol is crucial for the success and safety of your establishment. Let’s break down some of the things you should absolutely keep in mind when it comes to liquor liability. We’ll provide deeper insights into […]

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3 Strategies to Save Money on Business Insurance

By JD Powers | February 21, 2024

Rising costs are the #1 concern for business owners in the U.S. When it comes to business insurance, 4 in 10 business owners aren’t sure they have enough coverage. Many are planning on adding new coverage in the next year. Simply put: Business owners know insurance is essential to their success, but controlling costs is […]

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How to Prevent the Most Common Injuries in Hospitality

By Christopher Sullivan | February 14, 2024

The hospitality industry averages more than 90,000 injuries per year. Some of the most common injuries in hospitality range from cuts and bruises to musculoskeletal disorders and severe burns. What are the top causes of employee injury in this important sector, and how can business owners mitigate their risk? Let’s dive in. What types of […]

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How Much Does Business Insurance Cost?
Breaking Down Premium Calculations

By Christopher Sullivan | February 7, 2024

A recent survey by Next Insurance found that 96% of business owners didn’t achieve a passing grade when quizzed about basic insurance knowledge. This isn’t surprising. We expect business owners to be experts in their industry and business strategy, not insurance. But when it comes to understanding your insurance costs, you don’t want to be […]

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The Commercial Insurance Underwriting Process:
How To Stand Out

By Christopher Sullivan | January 31, 2024

To business owners, the commercial insurance underwriting process can seem like a mystical process that happens behind closed doors. But the truth is that most underwriters and business owners share the same goal: to create an accurate picture of the business’s risk. What happens during the underwriting process, and how can you stand out as […]

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Partner with Gio

To protect the business you've worked hard to build, insurance alone is not enough. It's crucial to identify the most critical threats and make strategic decisions that will allow you to grow your business without disruption.

When you partner with us, we’re more than your insurance agency. We’re a true business partner invested in your success.

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