Restaurant Insurance & Liquor Liability
Long Island & NYC Restaurants
Brooks Robb & Callahan has been protecting restaurant owners across Long Island and in New York City for over 45 years. We work with various AM Best A rated carriers, which allows us to offer tailored policies at the most competitive prices. Call us Monday-Friday from 8:30am-4:30pm at 516-922-6500 to discuss your restaurant insurance needs.
We offer insurance to cover all food service businesses including fine dining establishments, family dining establishments, fast food establishments, bars and taverns, cafés and coffee shops, bakeries, caterers, diners, delis, lounges and more...
Important Coverages for Restaurants & Owners
General Liability Coverage - protects against third-party lawsuits for property damage, bodily injury, and/or personal injury (ie. customer slips and falls from water on the floor).
Product Liability Coverage - protects if your food products were to cause illness (ie. food poisoning sends a customer to the hospital).
Employment Practices Liability Insurance - protects from employee lawsuits related to wrongful acts (ie. wrongful termination, discrimination, sexual harassment, etc.).
Liquor Liability Coverage - if your restaurant sells or serves alcohol to a customer who then causes property damage or bodily injury to someone else (ie. if your bartender provides alcohol to an intoxicated customer who causes an auto accident on their way home).
Business Personal Property - protects your building (if owned) or 'additions and alterations' (if rented) and contents due to a covered cause of loss (ie. fire).
Food Spoilage - protects against food spoilage (ie. if your refrigerator breaks down).