Get the Right Coverage for Your Restaurant

Though a restaurant is a business, these establishments have their own unique risks that differ from other businesses. Hot surfaces, kitchen knives, alcohol for purchase, food safety — these are just a few of the risks a restaurant faces on a daily basis. That’s why restaurant insurance policies can be purchased to protect your pub, smokehouse, diner or steakhouse.

Every business — regardless of the industry — can benefit from property and general liability coverage. The former covers a business’ physical assets from damage, loss, destruction and theft. The latter protects a business from the risk of third parties getting injured or suffering property damage within the walls of the business or as a result of your staff’s actions.

In addition, consider adding the following coverage options to your restaurant insurance policy as applicable:

• Food contamination: Covers the costs associated with serving food that sickens customers, including medical and legal expenses.
• Liquor liability: Covers the risk of drunken customers causing destruction or injury. This often includes their actions immediately after leaving your establishment.
• Assault and battery: Covers the risk of fights or any form of assault by an employee or customer, whether drunk or sober.
• Auto/valet liability: Covers customers’ vehicles while temporarily in valet possession.
• Hired/non-owned vehicle liability: Covers employee-owned vehicles that are used for business purposes, like catering or making deliveries.

Talk to your independent insurance agent about the needs of your restaurant. Together, you can determine the right coverage options so you can rest at ease knowing that you can cook up the finest cuisine under the protection of a quality insurance provider.

Is your establishment covered? Call KJE Consultants, LLC at (516) 252-1877 for more information on New York restaurant insurance.