Casual or formal dining? Selected locations or national chain? Whatever type of restaurant business you own, you'll want to consider the advantages of insuring it with GNY—one of the nation's leaders in
protecting restaurants. Based on our years of experience insuring thousands of establishments, we've customized an array of coverages that are made to order for restaurants.
Review the highlights of our solutions below or click here for an online needs assessment you can review with your insurance advisor.
Click any tab for highlights of our Commercial Insurance solutions:
- Package
- Auto
- Workers' Comp
- Umbrella
- Excess & Surplus
Core Property Coverages. In addition to protecting your building and its contents, our total package also provides other coverages of particular value to restaurants, including protection
against mechanical, electrical or pressure system breakdowns and food spoilage.
Enhanced Coverages. Our package extends protection in 34 key areas that are critically important to restaurant owners, including:
| Accounts receivable |
Employee dishonesty |
Environmental impairment |
| Electronic data |
Refrigerated food |
Identity theft recovery |
| Outdoor signage |
Valuable papers |
Counterfeit payments |
Core Liability Coverages. This comprehensive solution can also protect you from lawsuits related
to claims that you damaged other people's property, caused medical injuries and more.
Optional Coverages. Our Employment Practices Liability option protects against financial loss for
claims related to hiring and firing practices and sexual harassments, just to name a few.
If you insure your business or property with GNY, we may also be able to complement that coverage with insurance for any vehicles your business owns or leases. Your GNY producer can tailor a commercial auto policy that addresses your specific needs for protection against medical injuries, property damage, collisions and liability resulting from auto accidents.
If you insure your business through GNY, you may also be able to secure
your workers’ compensation insurance through us. This type of insurance
can help pay for legal services related to a workers’ compensation
claim as well as the medical care and lost wages of employees who are
injured on the job or become ill because of a work-related disease. Not
only do we offer an array of attractively priced dividend plans and
other options, we also strive to limit our clients’ losses by helping
them get their injured workers back to work as soon as prudently
possible.
Given our litigious society, more and more businesses are subject to larger and larger lawsuits. Consider securing more peace of mind by adding umbrella liability coverage that extends beyond the liability protection included in your base package. Through GNY’s Brite Insurance Agency, we offer umbrella liability coverage ranging from $5-50 million for many types of business—at very competitive pricing.
For those businesses with unique risks, GNY has established a subsidiary to address their specialized needs for insurance protection. Through GNY Custom, we have the expertise and the capacity to underwrite a diverse array of property and casualty risks. Just a few of the types of businesses we serve through GNY Custom include food processors, retailers, schools and other public entities, and many different types of product manufacturers.
