Restaurant Insurance In Westchester, NY

The restaurant industry is a huge part of the Westchester, NY community; its taverns, coffee shops, and eateries do a great deal to give the area its unique character. Of course, it’s well known that the restaurant business is one of the toughest industries there is. If you are a restaurant owner in the Westchester, NY area, having the best restaurant insurance coverage can ensure you will be protected from unexpected liabilities so you can focus on serving your customers.

At HCP Insurance, we strive to be a reliable ally for business owners of all types, including those in the restaurant industry. Our network of top insurance companies offers a range of policies tailor-made for restaurants, and we can help you find the right coverage with the best rates. Whether you run a bar, a bakery, or any other type of food service establishment, we can help you shop for the best coverage prices, and it won’t cost you any more than it would to shop on your own. We know you’re busy running your restaurant, so let us handle your insurance needs.

Common coverages included in restaurant insurance policies

The term restaurant insurance refers to a collection of policies that address the needs of taverns, coffee shops, and other food service businesses in Westchester, NY, and around the country. These policies include:

• General Liability Insurance – This policy will cover many of the most common liabilities seen in restaurants, including injuries to customers that occur on the premises, property damage caused by employees, and more. General liability is one of the most versatile policies available to restaurants, making it a great value.
• Liquor Liability Coverage – If you serve alcohol, you could be liable for claims related to alcohol that you served. For example, if you over serve a customer and they get into a drunk driving accident on the way home, you could be liable to pay the medical bills of any injured parties.
• Workers’ Compensation – You can’t run a restaurant by yourself, and if you have any employees, workers’ compensation insurance is mandatory.

You may also want to consider adding any of the following policies:

• Property Insurance – Similar to homeowners insurance, property insurance covers the physical structure of your restaurant, bar, or bakery. Your property insurance can compensate you for damage from unexpected events like storms, fires, and many other sources of damage. 
• Food Spoilage Insurance – Your inventory is the source of your income, and no matter how much you want to keep it fresh and usable, spoilage is always an issue. If you lose a large amount of product due to a power outage or other unforeseen event, you can be compensated for that loss so you can keep your doors open.
• Employment Practices Liability – Lawsuits related to discrimination, wrongful termination, and harassment can easily put you out of business, so carrying EPLI coverage is a smart idea.