A Comprehensive and Flexible Solution

GNY understands the unique needs of the restaurant industry. Our commercial package combines property and general liability insurance with coverage enhancements specific to your industry – all in one convenient policy. Optional coverages are available to further customize your insurance program.


Our package policy is designed for:

  • Family style restaurants
  • White tablecloth restaurants
  • Chain restaurants
  • 24-hour diners


Coverages include: 

  • Property Insurance - Covers damage to a building and its contents due to a covered event, such as a fire. Also insures against losses associated with mechanical and electrical system breakdowns, a business interruption, and more. 
  • General Liability Insurance - Provides legal defense and coverage for claims of bodily injury caused by accident, associated medical costs, and for certain Personal and Advertising Injuries.
  • Limits up to $1 million per occurrence
  • $2 million aggregate
  • Medical payments available up to $10,000
  • Umbrella limits up to $15 million
  • Liquor legal liability
  • Industry-related enhancements - More than 20 enhancements are added to the policy to address the unique insurance needs associated with restaurants. Enhancements include but are not limited to:
  • Accounts receivable
  • Counterfeit paper currency
  • Debris removal
  • Electronic data
  • Employee Dishonesty, Forgery, Money, and Securities
  • Ordinance or Law
  • Off-premises power
  • Outdoor signs
  • Spoilage and supplemental refrigerated food coverage
  • Valuable papers
  • Identity theft recovery



Optional coverages:

Your business is unique. That’s why we offer additional coverages to further customize your insurance program, including:


Please refer to the insurance policies themselves for a complete description of the coverages, limits, conditions, and exclusions.


Not all products are available in all states and not all products are available in all multi-peril packages offered by GNY Insurance Companies. Please consult with your GNY affiliated broker for further information.

Coverage & Benefits

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