Restaurant Insurance for the Tri-State Area Restaurants
Restaurants thrive on experience, but they also face risks that can disrupt operations overnight. Refine Risk designs insurance programs for restaurants, cafés, bars, and catering businesses across New York City, Westchester County, and Fairfield County.
Our coverage approach is proactive, precise, and built to support long-term growth.
Types of Restaurants We Work With
We insure food and beverage businesses of all sizes, including:
- Fine dining restaurants
- Quick service and fast casual chains
- Cafés and coffee shops
- Bars, lounges, and nightclubs
- Catering companies and food trucks
- Multi-location operators
We understand the operational pressures, compliance requirements, and staffing challenges that come with running a hospitality business.
Must-Have Insurance Coverages for Restaurants
General Liability Insurance
Protects against claims from customer injuries or property damage. Example: a patron slips on a wet floor in the dining area.
Liquor Liability Insurance
Essential if you serve alcohol. Covers claims involving intoxicated patrons, including injuries or property damage caused by their actions.
Property and Equipment Insurance
Covers damage to your building, kitchen equipment, refrigeration systems, and furniture caused by fire, theft, or vandalism.
Business Interruption Insurance
Replaces lost income if your restaurant is forced to close temporarily after a covered loss, such as a kitchen fire or flood.
Workers’ Compensation Insurance
Required for restaurants with employees in NY, NJ, and CT. Covers injuries such as burns, cuts, or repetitive strain injuries.
Employment Practices Liability Insurance (EPLI)
Covers claims of discrimination, harassment, or wrongful termination. Important for restaurants with larger staff turnover.
Cyber Liability Insurance
Protects against breaches of POS systems, ransomware, or stolen customer data. Includes regulatory fines and remediation costs.
Common Risks For Restaurants in NY, NY and CT
- A kitchen fire damages ovens and refrigeration units, forcing closure for weeks.
- A bartender overserves a customer, who later causes an accident.
- A staff member suffers a burn injury, leading to a workers’ comp claim.
- A data breach exposes customer credit card information.
Why Restaurants Choose Refine Risk
- Tailored insurance systems for food and beverage operations
- Experience with compliance and liquor licensing requirements
- Dedicated advisors who understand hospitality risks
- Fast, accurate Certificates of Insurance (COIs) for landlords, vendors, and events
We protect the business you’ve built, so you can focus on delivering memorable guest experiences.
Local Expertise in the Tri-State Area
We work with restaurants throughout:
- New York City: Tribeca, Midtown, Upper West Side, SoHo
- Westchester County: White Plains, Yonkers, New Rochelle
- Fairfield County: Stamford, Greenwich, Norwalk, Westport
We’re based here. We insure here. And we understand the nuance of running restaurants in this market.
How to Get Restaurant Insurance
Discovery. Design. Implement. Support.
We begin with a detailed risk assessment, then build a coverage system that fits your operations and future plans. As your business evolves, your protection evolves with it.
Let’s insure your restaurant with intention.
Call (914) 704-4200 or schedule a consultation.