Insurance for Restaurants

Customized insurance to help protect your business

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
- 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:

Commercial Auto (owned/non-owned/hired cars)
Commercial Umbrella
Crime
Adding Property Managers for Crime Coverage
Cyber Suite
Directors & Officers
Employment Practices Liability
Workers’ Compensation

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

Understanding coverage and benefits is an important first step to protecting your business.

One Program, Many Choices - Restaurants

Our package policy includes standard property and general liability coverages along with industry-specific enhancements. Working with your insurance professional, you decide what additional coverages are needed. You also have access to a variety of risk management services to help you control costs.