Restaurant Insurance Program

What Does Restaurant Insurance Program Cover?

Grillo & Associates has been writing restaurant insurance policies for over 25 years. Now with our exclusive restaurant insurance program, we can offer most restaurants the unique coverage and service they need and the rates they deserve. We offer a range of Business Owners Policies, including New York restaurant insurance options. Comprehensive restaurant insurance in New York is imperative for every food service business owner. General coverages will be similar to every other business that serve the public and can range from

Property insurance
Fire coverage
Personal property coverage
Business expense coverage
Workers’ compensation insurance
Specialty insurance coverage

However, Grillo & Associates goes a step further to customize individual policies under our Restaurant Insurance Program. Each client and their restaurant will have differing needs and requirements. At the very least, these policies should provide adequate coverage for restaurant businesses to protect owners against claims such as

Liability – Claims brought by a patron, vendor, or staffer who sustains bodily injury on your premises.
Court costs to defend yourself or your business for covered liability losses (the most common is when a patron becomes ill from consuming contaminated food).
Asset protection for equipment and furnishing, such as tables, chairs, silverware, cooking equipment, ovens, refrigerators/freezers/walk-ins.
Coverages to meet specific needs: Does your restaurant have a liquor license? There are coverages that protect your business against drunk driving claims. If you are looking for New York restaurant insurance, do you need coverage for valet parking? Again, what about coverage for claims brought against your business by a customer for damage to their vehicle, either by a staffer or vandals while parked in your lot?
Do you lease or own your business premises? Regardless of ownership, you’ll need property insurance coverage for the full value of your restaurant. If you have a lease, there are many considerations such as asset losses due to fire, vandalism, or theft. This is important if yours is a theme restaurant and its appeal is linked to it ambiance as well as your menu. This means that if your decor includes valuable art or collectibles (think sports bar with jerseys, trophies, and autographed memorabilia) be sure its value is fully covered against loss.
Relocation coverage: If your premises are impacted by fire, flood, or residual damage from an adjacent business’ misfortune, you’ll need temporary quarters to stay solvent.
Tenancy: Many restaurants, especially those that have been in business for a long time at an established address, will have made upgrades to their premises, whether they own them or not. Unless any upgrades have been reimbursed by the landlord, another policy consideration for obtaining optimal restaurant insurance in New York is coverage for any upgrades or investments you have personally made at your business location. This can range from a ventilation system, HVAC system, facilities such as bathrooms, furnishings such as carpeting, and even insulation. In the event your premises are damaged, with these coverages you can be adequately protected against their loss /repair/replacement.

Grillo & Associates has decades of experience assisting business owners seeking the best restaurant insurance in New York. Some of our Restaurant Insurance Programs Feature the Following:

Unique coverage enhancements designed specifically for restaurants including but not limited to food-borne contamination, food spoilage, equipment breakdown, backup of sewer and drain
Business interruption coverage provided for off-premises power failure
Liquor liability is available
Coverage is written with an insurance company that is AM Best rated “A” or better
Excess coverage is available
Extremely competitive pricing
Workers compensation available

The best way to stay in business is not just to have the best menu in town. Take the first step and consult with Grillo & Associates about our Restaurant Insurance Programs for New York Restaurant Insurance coverages that are tailored to meet your needs and budget while exceeding your expectations in customer service. Contact us today!