Restaurant Insurance in Queens and New York, NY
Protecting Your Restaurant from Risk
Your restaurant, franchise fast food, night club, bar, tavern or hookah lounge may share some characteristics with other establishments but we look at each entity as is own special risk because no two businesses are alike. We will customize an insurance program for your entity that fits your unique needs. Because of our vast experience in the restaurant, franchise fast food, night club, bar, tavern and lounge industry we can provide you with a custom tailored proposal for your business in a matter of hours, not days! Our custom packages for the restaurant, franchise fast food, night club, bar, tavern or hookah lounges include but are not limited to:
- Crime – restaurants carry a lot of cash, and as such, they can be targets for thieves.
- Property damage – even the most safely operated kitchen can be susceptible to the unexpected accident. With flammable oils and open flames, the possibility for a fire can be high.
- Customer liability – sometimes a spilled drink or meal can create a hazard. If a customer slips and injures himself, he could hold you liable for medical expenses.
- Product liability – sometimes ingredients can spoil without a chef or cook being aware. If spoiled food is served and a customer becomes ill, your restaurant would be at fault and made to pay damages.
- Liquor liability – Like every state, New York has rules stipulating the operation of businesses that serve alcohol. Bars and restaurants need to ensure that owners, operators, and employees are in compliance with state liquor laws.
- Commercial auto – company-owned vehicles for catering or delivery are an important asset to your business and should be protected.
- Workers Compensation – workers can injure themselves in a variety of ways while on the job. Sometimes an accidental burn or cut can prevent an employee from working for an extended period of time. In these instances, workers compensation protects both the employee and the business.
The restaurant, franchise fast food, night club, bar, tavern and hookah lounge industry has been a predominant line of business in our office over the last 30 years. Come and join our experts. We will treat you like family!