Restaurant Insurance
Coverage That Serves You Right
Restaurant Insurance in New York
Whether you’re running a fine dining spot in Manhattan, a pizzeria in Nassau County, or a food truck parked in Brooklyn, your restaurant needs more than just great food to survive — it needs real protection. One kitchen fire, lawsuit, or spoiled fridge could wipe out everything you’ve built.
That’s where we come in.
What Is Restaurant Insurance?
Restaurant insurance is a tailored bundle of policies that protects food and beverage businesses from the specific risks they face every single day — injuries, equipment breakdowns, liquor liability, employee claims, and more.
Core Coverages Every Restaurant Should Have:
Business Owner’s Policy (BOP)
• General Liability – Slips, falls, broken teeth on a crouton — you’re covered.
• Commercial Property – Fire in the kitchen? Broken walk-in cooler? Covered.
• Business Interruption – Shut down for repairs? This keeps the cash flow moving.
Workers’ Compensation Insurance
Required in NY. Covers medical bills and lost wages if your staff gets hurt — burns, cuts, slips, you name it.
Liquor Liability Insurance
Serving alcohol? You’re on the hook if someone gets over served and causes harm. Most general liability policies don’t cover this.
Commercial Auto
If you’re delivering food or running catering vans, protect your business vehicles and your drivers.
Cyber Liability
Take online orders? Handle customer payment info? Then you’re exposed to data breaches — and lawsuits.
Food Contamination & Spoilage
One power outage or busted freezer and you’re tossing thousands in inventory. This gets you reimbursed.
Why Restaurant Insurance in New York Is Different
New York restaurants face:
- Stricter health department oversight
- Higher customer foot traffic = more liability
- Liquor law complexity
- Limited space and higher property values
- Heavy reliance on delivery apps and tech
We know the NY market inside and out. We tailor your policy to cover the real risks of doing business here.
Real-World Restaurant Scenarios (a.k.a. Not My Client Files)
•Brooklyn Bistro: Small kitchen fire caused smoke damage. They didn’t have business interruption coverage. They lost 10 days of income and paid staff out of pocket.
•Queens Delivery Spot: Hired a driver using their own car. No commercial auto coverage. One accident = lawsuit + no coverage = a huge loss.
•Nassau County Bar & Grill: Liquor liability wasn’t on the policy. A customer caused a fight after being over served. Lawsuit came straight to the owner.
None of them were our clients — but they should’ve been.
Optional Add-Ons
Depending on how you run your business, you might also consider:
- Equipment Breakdown Insurance
- Outdoor Dining Liability
- Franchise Coverage
- Employee Dishonesty / Theft
- Employment Practices Liability (EPLI) – for harassment or wrongful termination lawsuits
Restaurant Insurance FAQs
Let’s Talk Coverage That Works
