Protection Tailored for Townhome Communities Townhome associations face unique risk exposures that differ from standard HOAs or condo boards. Refine Risk provides insurance solutions specifically designed to protect townhome associations, their boards, and shared assets. Our advisors understand the complexities…
Running a restaurant in New York State comes with unique risks. Whether you’re operating a fast-casual eatery, a full-service dining experience, or a multi-location franchise, your insurance coverage needs to be strategic, complete, and tailored to your business model. This…
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,…
Most deli owners in NYC, Westchester, and Fairfield County pay between $2,500 and $7,500 per year for insurance. Your cost depends on location, size, risk exposure, and bundling strategies. Deli Insurance Costs Explained Running a deli is rewarding, but every…
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…
The Hidden Risks of Owning a Restaurant in New York From bustling kitchens in Brooklyn and full dining rooms in the Lower East Side to loyal customers in Mamaroneck and private dinning rooms in White Plains, restaurants are a heartbeat…
General Liability Insurance for Business Owners General liability insurance is one of the most basic, essential types of business coverage. It protects your company from the kinds of claims that can happen to any business at any time. If you…
Restaurant Insurance in Westchester County NY At Refine Risk, we work with restaurant owners across Westchester, from Pelham to New Rochelle, to help secure targeted coverage without overpaying or missing key protections. This guide outlines exactly what you need, what…
Insurance Requirements for New York Startups: What You Need to Launch Starting a business in New York comes with opportunity and oversight. From legal requirements to client contracts, the right insurance coverage protects your launch from preventable risk. Foundational Insurance…