PRK Insurance Agency Inc

Protect Your Culinary Business

Comprehensive Restaurant Insurance Coverage

Safeguard your restaurant with tailored insurance policies designed for the food service industry. From property damage to liability protection, ensure your business is secure against unexpected risks and operational disruptions.

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Frequently Asked Questions (FAQs) - Restaurant Insurance in New York

What is restaurant insurance?

Restaurant insurance provides a combination of coverages designed to protect your restaurant business from various risks, including property damage, liability claims, and employee injuries.

What does restaurant insurance cover?

Restaurant insurance typically includes property coverage, general liability, workers' compensation, business interruption, equipment breakdown, and food spoilage. It can also include liquor liability if you serve alcohol.

Is restaurant insurance required in New York?

While not legally required, many aspects of restaurant insurance, such as workers' compensation and general liability, may be required by landlords or lenders. It's essential to have comprehensive coverage to protect your business.

How is the cost of restaurant insurance determined?

The cost is based on factors such as the size and location of your restaurant, the type of food served, annual revenue, the number of employees, and the coverage limits and deductibles you choose.

Does restaurant insurance cover employee injuries?

Yes, workers' compensation insurance, which is typically included in a restaurant insurance package, covers medical expenses and lost wages for employees injured on the job.

What should I do if my restaurant is damaged?

If your restaurant is damaged, contact your insurance company as soon as possible to file a claim. Document the damage with photos, keep receipts for any repairs, and track any business interruption losses.

Does restaurant insurance cover food spoilage?

Yes, many restaurant insurance policies include coverage for food spoilage due to power outages, equipment breakdowns, or other covered events.

Can I get discounts on restaurant insurance?

Yes, insurers may offer discounts for safety features, employee training programs, bundling multiple policies, and maintaining a claims-free history.

How can I lower my restaurant insurance premium?

You can lower your premium by increasing your deductible, implementing safety and risk management programs, maintaining a claims-free history, and regularly reviewing your coverage to ensure it matches your needs.

What additional coverages should I consider for my restaurant?

In addition to standard coverage, you might consider adding cyber liability, liquor liability, employment practices liability, and higher liability limits to ensure comprehensive protection for your restaurant.

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