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  • 8 Depot Square, Tuckahoe, New York 10707
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Refine Risk
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Refine Risk
  • Commercial Insurance, Insurance Tips

Restaurant Insurance in New York City

Business Insurance for NYC Restaurants Restaurants in Manhattan, Brooklyn, Queens, the Bronx, and Staten Island face high property values, constant foot traffic, and strict landlord requirements. Insurance provides both protection and proof of compliance. It supports operational stability and satisfies…

  • Libbie Cedeno
  • October 20, 2025
  • Agency Updates, Commercial Insurance

Restaurant Insurance Explained: What Every Owner Needs to Know

Understanding Restaurant Risk and Insurance Needs Running a restaurant requires more than great food and service. It demands a clear understanding of risk. Every day, restaurant owners face exposure from property damage, customer injury, employee accidents, or business interruption. A…

  • Libbie Cedeno
  • October 16, 2025
  • Commercial Insurance, Insurance Tips

Will Your Business Insurance Cover a Cyber Attack?

Cyber Attacks rank among the fastest-growing risks confronting businesses today. Many business owners still assume that their general liability or BOP (Business Owner’s Policy) will protect them against digital threats. In most cases, that assumption introduces blind spots. For Tri-State…

  • Libbie Cedeno
  • October 6, 2025
  • Commercial Insurance, Insurance Tips

Business Owner’s Policy (BOP): Complete Guide for Small Businesses

Running a small business requires more than passion and strategy. It requires protection for your space, your tools, your inventory, and your livelihood. A Business Owner’s Policy (BOP) is one of the most efficient ways to secure comprehensive coverage in…

  • Libbie Cedeno
  • September 29, 2025
  • Agency Updates, Commercial Insurance

Starting a Business in New York? 3 Insurance Policies You Need First

Launching a business in New York requires more than a filing and a lease. Proper insurance protects cash flow, satisfies legal requirements, and signals operational maturity to landlords, lenders, and clients. This guide explains the three core policies every New…

  • Libbie Cedeno
  • September 23, 2025
  • Commercial Insurance, Insurance Tips

Commercial Auto Insurance Cost Breakdown for NYC Delivery Businesses

Why Delivery Businesses in NYC Need Commercial Auto Insurance Delivery vans, trucks, and cars are at the heart of food-service and small business operations in New York City. Whether it’s a deli running sandwiches to offices, a catering service, or…

  • Libbie Cedeno
  • September 1, 2025
  • Commercial Insurance, Insurance Tips

What Insurance Do Restaurants Need?

Restaurant Insurance: A Guide for Restaurant Owners in NY, NJ, and CT Restaurants operate in a high-risk environment where a single accident, fire, or data breach can cause lasting financial damage. The right insurance coverage helps protect your staff, your…

  • Libbie Cedeno
  • August 27, 2025
  • Commercial Insurance, Insurance Tips

What Does General Liability Insurance Cover?

A Clear Guide for Business Owners in NY, NJ, and CT General liability insurance protects your business from third-party risks that can lead to lawsuits, medical bills, or reputational harm. If you operate in New York, New Jersey, or Connecticut,…

  • Libbie Cedeno
  • August 26, 2025
  • Commercial Insurance, Insurance Tips

Does General Liability Cover Slip-and-Falls After Hours?

Closing your doors doesn’t end your responsibility. If someone slips and falls near your business after hours, you may still be liable, especially when the hazard involves your signage, equipment, or property maintenance. This is where General Liability insurance comes…

  • Libbie Cedeno
  • August 20, 2025
  • Commercial Insurance, Insurance Tips

General Liability Insurance in the Tri-State Area

Protection for NY, NJ, and CT Businesses General liability insurance is foundational protection for business owners. It shields your company from the legal and financial consequences of everyday risks: trip-and-fall accidents, property damage claims, and unexpected lawsuits. But in a…

  • Libbie Cedeno
  • August 12, 2025
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  • Address: 8 Depot Square, Tuckahoe, New York, 10707
  • Email: help@refinerisk.com

About

Refine Risk is a boutique insurance agency helping clients protect residential, commercial, and mixed use properties across the Tri-State Area.

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"Refine Risk has been there for us, for years. We couldn't imagine using any other insurance agency. Their service is always incredibly fast, and they proactively look out for us when our policies renew. We highly recommend them! 5-Stars for sure!"

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