NYC restaurant insurance

Restaurant insurance in New York City pulls together more moving parts than almost any other small-business policy: general liability, property and contents, business interruption, equipment breakdown for refrigeration and cooking equipment, workers compensation for your kitchen and floor staff, and — if you serve alcohol — liquor liability.

Carriers care about your menu (fryers and open flame change the rate), your seating capacity, whether you have delivery vehicles, your alcohol-to-food ratio, and your claims history. A bar pricing as a restaurant is almost always undercoverage waiting to happen.

Asured connects you with a broker who places restaurant and hospitality risk regularly — they know which NYC carriers want this business and which markets will offer competitive pricing without gutting your coverage.