Restaurant Insurance in Baldwin, NY

Ability Service Agency is proud to handle the insurance for thousands of food-oriented businesses such as restaurants, bars and taverns, caterers, pizzerias, etc.  Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your restaurant’s finances.

Core protections of restaurant insurance

• General liability insurance-a policy can provide coverage for claims of bodily injury or other physical injuries, foodborne illness claims, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
• Liquor liability insurance – required if you serve alcohol, protects you from alcohol-related incidents.
• Business property insurance-also called commercial property insurance, this coverage helps pay for damages to your restaurant’s equipment and property after a covered accident or incident.
• Business interruption insurance-if your restaurant must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
• Spoilage and equipment breakdown coverage – helps replace spoiled food or repair equipment like refrigerators or ovens.
• Commercial auto insurance—if your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.

• Employee Practices liability insurance – protection against employee claims.  EPLI provides coverage for legal costs and damages associated with employee claims of wrongful acts in the workplace.  This includes allegations of discrimination based on race, gender, age or disability, wrongful termination, sexual harassment, and other employment related issues.

• Workers’ compensation insurance- this coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits and other financial assistance if they cannot work. Most states require employers to carry workers’ compensation insurance.

How to Get Restaurant Insurance

If you need insurance solutions for your restaurant, we’re here to help. Give Ability Service Agency a call today to get started.