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Insurance for Restaurant Owners

At Reliable General Agency, our goal is to provide New York with great, affordable insurance for their restaurants. Our extraordinary expertise and comforting care are two of our best qualities. It does not matter if you own the smallest diner to the largest five-star eatery. Having the right restaurant insurance is crucial. 

When you speak to our professional insurance agents, you will see how we treat your restaurant business like it was our own. We tailor our services to your unique financial situations giving you the freedom to choose the most appropriate coverage for your business. Not all restaurants are the same, so neither are our restaurant insurance plans. Our staff of insurance agents will provide you with the necessary information in order to make the smartest decision.   

We pride ourselves on our ability to provide and protect our New York restaurant owners with substantial and affordable restaurant insurance. You can find our extensive list of restaurant insurance coverage below.

Available Hospitality and Restaurant Insurance Coverages Include:

  • Restaurant Insurance New York & New JerseyCaterers / Catering Facilities/Restaurants (Fine Dining, Family Style, Bars / Taverns / Pubs, Franchises, Fast Food)
  • Banquet Halls
  • Private Clubs
  • Hotels
  • Motels
  • General Liability
  • Property (Building, Contents, Fixtures)
  • Liquor Liability
  • Automobile including Garage or Valet exposure
  • Umbrella
  • Workers’ Compensation
  • Business Interruption
  • Food Contamination
  • Employment Practices Liability Insurance (EPLI)
  • Assault and Battery Coverage

Why Is Restaurant Insurance So Important?

Regardless of where your restaurant is located, it is critical to be covered and covered correctly. As is the case with any such business, restaurants are liable for many different lawsuits if not covered properly. Besides a general and basic business policy that protects and covers damage and general liability and workers compensation, all restaurants must have additional coverage. These additional coverages include spoilage coverage and commercial vehicle coverage.

Spoilage Coverage

While spoilage coverage may cater more towards southern restaurants and halls, the New York area is also subject to hurricanes and flooding. Spoilage coverage area of restaurant insurance that protects a company from losing money over temperature changes and environmental changes within the restaurant that can cause food to spoil. These "disasters" that affect mechanical restaurant equipment can cost a business thousands of dollars in food losses. Your restaurant/hall/club/bar must be covered for such events with the ever changing climates.

Your Car Should Be Covered

Another important coverage aspect of restaurant insurance is commercial auto coverage. If your restaurant owns a vehicle or vehicles, it is crucial to be covered in case of any sort of accident that occurs with a company employee.

Insurance Packages for New York Restaurants

Be safe, be smart and get your Restaurant Insurance with Reliable General Agency. We have served countless clients across New York and they are always satisfied and protected. Contact us today to learn more about our insurance coverage for restaurants. The number to call is (718) 265-3800. We have years of experience providing our service and packages to those in need. One call and we will consult with you to ensure the right packages are met.