Claims can stem from just about anything, such as someone taking a “”joke”” the wrong way and being offended. Our agents are happy to review these coverages with you to determine which ones are necessary for your restaurant. There are normally three different levels of named perils for commercial coverage that can be applied to your policy. Basic contains the least number of perils, Broad includes more perils, and Special has the most perils. If you rent a space for your restaurant, and that space or building burns down, you could be held liable to pay for the damages to your own space.

We can help you customize an insurance plan that specifically fits your food service establishment, letting you focus on providing a great experience for your customers. You’ll have to buy a separate flood policy to protect your office space or owned structure from the costs of flood damage. Unfortunately, data breaches and other cyber crimes are becoming way too common and can damage your company reputation and put your customers and/or employees at risk. To know more click here

It also provides an additional protection to the insured by mounting a defense, especially important in fraudulent or frivolous lawsuit actions. Broad coverages designed for your industry and tailored to your standards. We are committed to helping our clients find the right coverage that meets their restaurant’s business needs. Our independent agents shop around to find you the best coverage. This essential coverage helps keep you in business during the recognized restoration period, while your property is being repaired or replaced.

Click on the quote request button now and let the professionals at Wolf Agency, Inc. help you forge the strongest shield possible to help you protect the things you care about most. Covers you for losses both within and outside your restaurant. We have been very pleased with the VERY friendly people at the Skeele Agency. The Skeele Insurance Agency app allows you to call, text, or email your agent to request changes or report a claim.

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. For instance for things such as providing negligent professional services, failing to uphold contractual promises, substandard work, or making mistakes or omissions in work for a client. Unfortunately in so many instances, owners are unaware that their buildings are underinsured. This is why it’s so important to connect with your agent annually to review your policy and re-run reconstruction cost valuations.

Two things a restaurant has easily accessible are food and money. Employees have been known to run scams to pocket money or steal food to take home or give away to friends and family members. In fact, most of our interactions are done over the phone, although we love meeting people in-person if convenient for you. If the structure were insured at $1.25 million or higher, the only out of pocket expense for the owner would have been the $5,000 deductible. The penalty would be assessed by dividing the actual insured amount by the amount that was required ($900,000/$1,250,000) or .72. Your insurer starts a defense on your behalf and proceeds with an investigation into the action, reviewing the claimant’s medical records which show no sign of injury.

We will never sell any information provided to us and only share as required by law. Speak with a GRBM Restaurant specialist to find the right coverage for your business. For example, a customer could trip and fall while in your restaurant, or sustain an injury when one of your waitstaff accidently spilled a hot drink on customer. Security measures are another item that can provide discounts. Simply provide us with the certificate from your vendor and your insurance premium is reduced.

This covers medical costs in case of work-related injuries and lost wages. We understand that there are many other specialized restaurants and we are willing to listen to your unique needs to provide the appropriate policy for you. 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.

We understand the challenges of running a restaurant in New York and can help protect you and your business with the right restaurant insurance. We can service your restaurant insurance needs in Parish, New York including the Camden, Central Square, Hastings, Mexico, and Pulaski areas. 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. Coverage costs would most likely be in the low thousands each year. So you’re starting your own restaurant in New York, and you’re eager to get cookin’.