Insurance for restaurants, cafes and delis in New York
We place insurance for restaurants, cafes, delis and other food businesses in New York City and Nassau County.
What a food business program usually includes
Businessowners policy or property plus general liability, workers comp and NY disability benefits, umbrella, employment practices, and food spoilage where the policy offers it.
What insurance does a restaurant need in New York?
Most need property and general liability (often together in a businessowners policy), workers compensation and disability benefits if they have employees, and often an umbrella. Your lease, landlord and any outdoor dining permit can add requirements. What fits depends on the operation.
Do restaurants need workers comp in New York?
Yes, if they have employees. New York requires virtually all employers to carry workers compensation, and disability benefits coverage too.
Is food spoilage covered?
Only if the policy includes food spoilage coverage. Many BOPs offer it as an option with a set limit. Check the limit against what is in your walk-in on a busy weekend.
What insurance does Dining Out NYC require for sidewalk or roadway seating?
NYC DOT asks food service establishments to carry commercial general liability naming the City of New York as an additional insured at $1 million per occurrence and $2 million aggregate, plus workers compensation, employers liability, and disability benefits. Auto liability applies if vehicles are used. Other requirements may apply. See the DOT page.
Dining Out NYC, revocable consent and insurance
How much does restaurant insurance cost?
It depends on sales, payroll, square footage, cooking type, the building, claims history and limits. We do not publish figures. Send your current policy and we will tell you whether it is worth shopping.
Client result
Gray's Papaya
Umbrella raised from $1M to $5M. Employment practices coverage added.
What to send us
Send the current policy, loss runs, payroll, sales, square footage, and the lease insurance clause. Send the policy you have.
Related
Coverage descriptions are general summaries. The issued policy governs.