This would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property. In most cases an incident would need to take place while the employee is at the place of employment, however it would be best to discuss with your local independent insurance agent for more of a case by case basis. With rising operating costs for restaurant and consumer lawsuits increasing, it is more important than ever to make the right insurance decisions to reduce premiums while still protecting your business. Hired/non-owned vehicle liability covers employee-owned vehicles used for business purposes, like catering or making deliveries. Equipment breakdown covers the cost of repair for equipment that has broken down, including cookers, refrigerators, and air conditioning units. It’s worth noting that the claim may not be covered if the breakdown occurs due to lack of proper maintenance.
Whether you run a pub or a pizzeria, a buffet or a brasserie, here are five things you need to consider about your New York restaurant’s insurance policy. Click any of the following links to submit a quote for quick, accurate and affordable rates. Do you have a Refrigerator Maintenance Agreement or a back-up generator? This will reduce the cost of the Spoilage coverage on your policy. This would include your refrigerators, stoves, ovens, computers, registers, furniture, and even your uncooked ingredients. We work to provide the best insurance solutions at the lowest possible cost.
The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We browse through a wide variety of coverages and find the right one for you. There are multiple “components” that make up a solid Restaurant Insurance policy through this link giorgionenyc.com
Every so often we publish an article that we think would be of interest to our policyholders. Check back often to learn about personal and commercial insurance, risk management, safety, or home maintenance. By representing multiple companies, we can assure our customers the right fit, which includes the right coverage and a great value when it comes to price. If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
From high turnover and increased supply costs, to employment practices claims and liquor liability – there are many lurking exposures. Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business. Your premium is based on the extent of your coverage and the limits of your policy. We work with restaurant owners to explain your coverage – and recommend where you may need coverage beyond the limits of your general liability policy. If your restaurant has a kitchen fire, your property insurance covers you.
You can also pay your bill, share the app with family members, and a whole lot more. Skeele Insurance Agency has a rich history of serving and protecting both the people and businesses of upstate New York for more than 60-years. One of our insurance advisors will reach out to you to review your information and present you with the appropriate restaurant insurance solution.
Business Crime insurance protects you from losses both within and outside your restaurant from employee theft, robbery and forgery. Some restaurants require specialized coverages, and we can help you navigate the issue facing the type of business you own, or wish to create. Let the Valentine Insurance Agency, help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.
This packaged coverage is generally less expensive than when purchasing coverage separately. This information is designed to help you with your decision-making, and it is not intended to provide advice. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you. From burst pipes to grease fires, storm damage to theft and vandalism, the list of physical threats facing New York City restaurants is extensive. Similarly, food contamination insurance protects your business in the case of… you guessed it, contaminated food. Whether through improper storage or a bacterial or viral outbreak such as e-coli, contaminated food can result in high costs.
At Skeele Agency, Inc., we have optimized our restaurant insurance to give you the right coverage to protect you from financial losses arising from claims against your restaurant. We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect your business and your life from the unexpected. Professional liability insurance is also called errors and omissions insurance or malpractice insurance, depending on the industry. Its coverage focuses specifically on lawsuits that stem from professional services.