Restaurant Insurance in New York
If you are looking for a fine place to eat with great food, come to New York. We have some of the best places on the planet and such a wide range of foods, cuisine, and atmospheres. You could eat out for an entire year and choose a different place each night if you wanted. When you run an eating establishment here, you need restaurant insurance that covers all your business needs and risks. If not, all kinds of bad things could be waiting to interrupt your business and your life. Let's look at the example story of Blaine B.
Blaine loved working in the food service industry. It gave him a chance to meet the public each day and bring some smiles into lives which sometimes needed them. While he as in high school he worked a local fast food place and after graduation he took training to be a chef. For several years he worked at a restaurant but Blaine missed being with people.
Everyone loved Blaine's sandwiches and so he decided to open up his own sandwich shop in Long Island. He got a business loan and spent some time interviewing the right people for his business. Blaine knew little about risk management and insurance so he contacted an independent insurance agent who was experienced in restaurant and bar insurance. This turned out to be a fateful decision.
When the big day arrived (for his grand opening) Blaine was on top of the world and his enthusiasm spread to his staff and all the customers who came through his doors. Before long, there was a huge line from 11:00 am till past 2:00 pm just about every day.
Blaine was very big on cleanliness and made sure the place was always spotless. However, he didn't count on what would happen just six months later. Torrential rain hit the Long Island area and the sewers in his business backed up one night. This created significant damage and cleanup which took more than a week to fix. Thankfully, Blaine's food service insurance included sewer backups and loss of income coverage, so his place was restored to "good as new" condition and he was reimbursed for the money he lost while his shop was closed for repairs.
What is Restaurant Insurance?
Restaurant coverage is specifically designed for businesses in the food service sector. It covers the many hazards these businesses face along with standard risk factors.
Who Should Have Restaurant or Bar Insurance?
If your business involves serving food or beverages, you should consider this coverage. Here are some businesses which need this protection:
- Fast food establishments
- Sandwich shops
- Food delivery service
- Catering companies
- Gas stations serving food
- Convenience stores who serve food
- Dance clubs
- Night clubs
- Mobile lunch trucks and wagons
What is a Typical Food Service Insurance Policy?
When you are looking for basic coverage, you may need these business insurance options.
- Building property insurance
- Contents of your business building
- Product liability - in case someone becomes ill from your food
- Workman compensation for your staff
Restaurant Insurance Options
In order to cover all your business risks, you may need to take out these insurance options:
- Food spoilage
- Flood insurance
- Earthquake coverage
- Liquor liability
- Loss of income
- Errors and omissions
- Fire liability - covers fires to nearby businesses caused by your business
- Replacement cost coverage - pays to rebuild your business
- Equipment breakdown insurance
- Umbrella liability insurance
Getting the Best Restaurant or Bar Insurance Coverage
In the food service business, you never know what problem can be waiting for you. For example, you can't see things like salmonella, but these tiny bacteria can wreak havoc with your business and business reputation. Your best defense (besides maintaining cleanliness) is to have the right kind of insurance protection, and when you do business with Newbridge Coverage Corporation you can be assured of getting the right coverage and premiums to match your operating budget.
Newbridge Coverage Corporation has been in this business for 60 years and our insurance experts are familiar with your risk management needs. In addition, we are here to take the pressure off you (the business owner) because we are independent insurance agents looking out for your business interests and not the concerns of an insurance company.
Think about this. Would you rather have an insurance agent who only has one company's insurance options to offer, or an agent with access to several top New York insurers? This is only one of the many benefits your independent agent at Newbridge Coverage Corporation can offer you.
We are here to remove all the hassles from comparing insurance companies, because this is no longer your concern. We do this for you and we have years of experience. Don't take chances with your business and leave it vulnerable to lawsuits and other issues. Come to Newbridge Coverage Corporation for a free quote on your food service insurance today. Just click this link on this page to get started.