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…
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…
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…
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…
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…
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,…
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…
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…
Restaurant Insurance in Westchester County NY Opening a restaurant in Westchester County isn’t just a business decision, it’s a legal and logistical maze. Whether you’re signing a lease in Scarsdale, retrofitting a space in Bronxville, or starting a family-run eatery…
Insurance for Venture Backed and Founder Led Teams New York startups move fast. Customers, landlords, and investors ask for specific insurance before they sign. Refine Risk designs insurance programs that let you clear those requirements without slowing your roadmap. We…