Offer Customized Coverage For Restaurant Owners

July 1, 2022 by No Comments

Whether you just bought a new car, or need to change coverage on your home or business, visit our Manage Your Policy page and we’ll take care of you. Every so often we publish an article that we think would be of interest to our policyholders. Check back often to learn about personal and commercial insurance, risk management, safety, or home maintenance. On average, it’s estimated that three out of five businesses will be sued by their employees. Restaurants, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce.

And restaurant ownership is challenging enough, without having to worry about food spoilage caused by equipment breakdown, fire damage, and employee or customer injuries onsite. There are other specialized options including fire and defined events, money, glass, and professional liability coverage. All these are optimized to ensure you don’t undergo financial trauma when a claim is made against you.

For instance, if you also sell liquor in your facility, we would recommend liquor liability coverage. We can also get you competitive rates for umbrella coverage which protects your business more comprehensively. Why would you want specialized coverage while you already have a business liability policy? Well, being a four-generation local business and through our years of experience, we have seen the need to offer customized coverage for restaurant owners. We can customize a menu of insurance solutions to meet your specific needs through this link

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place. Equipment such as freezers, stoves, dishwashers, and air conditioning units are vital when running a restaurant. If a power surge or mechanical failure results in equipment breakdown, your business can experience expensive repairs and lost income. Just like a local restaurant needs to cater to a community’s tastes, Steward Insurance Agency is in tune with what our clients are looking for. If you’re looking for restaurant insurance that leaves you satisfied, contact an agent or request a quote today.

You’re left with shelves of unusable food that you can’t serve. Spoilage insurance would help you cover the costs of replacing the ruined food. Whether you run a pub or a pizzeria, a buffet or a brasserie, here are five things you need to consider about your New York restaurant’s insurance policy. Do you have a Refrigerator Maintenance Agreement or a back-up generator? This will reduce the cost of the Spoilage coverage on your policy. This would include your refrigerators, stoves, ovens, computers, registers, furniture, and even your uncooked ingredients.

The most important difference is the staff that is going to take care of you. What started out as a single location in the home of its founder, Col. Charles W. Skeele, is now a six-location agency with a staff of local professionals representing dozens of regional and national companies. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future. Securities offered through Nationwide Securities, LLC., member FINRA, SIPC. DBA Nationwide Advisory Services, LLC. Representative of Nationwide Life Insurance Company, affiliated companies and other companies.

We are committed to helping you manage the risks that arise in everyday life. If the unexpected strikes, we will do everything we can to help you recover your quality of life as soon as possible. Contact KJE Insurance to get right restaurant insurance coverage for your operation at the right price.

This means, of course, that you’ll also need to check into flood insurance coverage. So liability coverage for first-party cases is mainly only required when a minor is served since minors are not legally allowed to drink in any state. For instance, say your bartender serves an alcoholic beverage to an intoxicated customer. That customer then drives away in their car and causes an accident.

Or, you may have your own delivery staff instead of using a service like Grubhub or Uber Eats. Some policies only cover your restaurant, not claims that occur during an off-site event or delivery. If your equipment starts a fire at a catering hall, or your delivery person causes an accident, you need coverage. You provide a full menu of dining options to serve your customers — True offers a full menu of insurance options to better serve your business. At Capital Gate Insurance Group, we offer restaurant insurance throughout New York State that you can trust – and that you can afford.

I have been with the Skeele Agency for over 10 years now and they have all ways been there for my business. If I have a question or need certificates, Shayna is the one to take care of it. Biggest plus is they don’t blow up your email or text messages with useless information. For years people have relied on the opinion of others when shopping for a product or service.

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