From kitchen fires to customer injuries, small restaurants face unique risks every day. Eastern Insuring Agency helps New York restaurants stay protected with coverage designed for your business.
Cooking equipment and grease can lead to fires and smoke damage.
Cooking equipment and grease can lead to fires and smoke damage.
Food contamination or poor service can lead to claims and lost revenue.
Theft, vandalism, and outages can disrupt operations and impact your income.
Covers your building, contents, equipment, and inventory.
Protects against bodily injury, property damage, and personal injury claims.
Essential if you serve or sell alcohol—protects against alcohol-related claims.
Helps replace lost income if you can't operate due to a covered loss.
Covers business-owned vehicles used for deliveries or other operations.
Covers medical costs and lost wages if you have employees.
Covers the repair or replacement of vital kitchen equipment.
Helps protect against data breaches and cyber threats.
Adds an extra layer of liability protection above your primary policies.
Protects against employee disputes, harassment claims, and more.
Your past losses and claim trends
Fire suppression, hood cleaning, and safety practices
Food storage, preparation, and sanitation practices
Training on safety, food handling, and service
Responsible service practices and staff training
Locks, alarms, cameras, and security measures
Business financials and cash flow strength
Frequency and severity of past claims
Neighborhood risks, parking, and foot traffic
Grease fires or cooking equipment issues can cause extensive damage.
Spills and wet floors can lead to customer injuries.
Illness claims from contaminated food can impact your reputation.
Theft of cash, inventory, or equipment can hurt your business.
Leaking pipes or appliance failures can damage your property.
HVAC, refrigeration, or cooking equipment breakdowns can stop operations.
A small restaurant typically needs general liability, property, workers' compensation, and business interruption coverage. Commercial auto coverage may be needed if you offer delivery.
If you serve or sell alcohol, liquor liability insurance is strongly recommended and may be required. It helps protect against alcohol-related claims.
Food spoilage is covered only if your policy includes spoilage coverage. It helps pay for lost inventory due to equipment failure or power outages.
Yes, if you offer delivery, you may need commercial auto or hired and non-owned auto coverage. This helps protect your business during deliveries.
Yes, in most cases, certificates of insurance (COIs) can be issued the same day. This helps you quickly meet landlord or vendor requirements.
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