Insurance for Restaurants

A Comprehensive and Flexible Solution for Business Insurance for Restaurants

GNY specializes in insurance for restaurants, recognizing the unique challenges faced by the restaurant industry. Our commercial package combines property and general liability insurance for restaurants, with tailored coverage enhancements specific to your business – all in one convenient policy. We offer optional coverages to further customize your business.

Our Restaurants Insurance Package Policy is Ideal for:

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

Restaurants Insurance Coverages Include:

• Property Insurance for restaurants - Protects your restaurant’s building and contents from damage due to covered events, such as fires. It also covers losses associated with mechanical and electrical failures, business interruptions, and more.
• General Liability Insurance for restaurants - Offers legal defense and coverage for claims of bodily injury caused by accidents, including associated medical costs, and 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-specific enhancements - Over 20 enhancements are added to the policy to meet the unique insurance needs of restaurants. These include:
  • 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 for Business Insurance for Restaurants:

Your restaurant is unique, which is why we offer additional coverages to further tailor 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.