Insurance for Restaurants

Customized insurance to help protect your business
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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


  • 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

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.

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Why GNY?

  • Expert in providing industry-specific commercial insurance since 1914
  • Consistently rated A+ (Superior) by A.M. Best Company
  • Disciplined underwriting matches price to risk
  • Strong, personalized policyholder service
  • Industry leading claims service
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