Loomis Family Insurance · Troy, NY
Restaurant Insurance
Coverage for the kitchen, the dining room, and everything in between.
Serving Albany, Troy, Schenectady, Saratoga, and the surrounding Capital District.
Who it's for
Restaurants, cafes, bars, pizzerias, bakeries, food trucks, and caterers across the Capital District, from a single counter-service spot to a full-service dining room.
What it can cover
- ✓General Liability: customer injuries such as slips and falls
- ✓Property & Equipment: your building or space, kitchen equipment, and furnishings
- ✓Food Spoilage: inventory lost to power outages or equipment breakdown
- ✓Business Interruption: lost income if a covered loss forces you to close
- ✓Liquor Liability: important for any restaurant or bar that serves alcohol in New York
- ✓Workers' Compensation, Disability (DBL), and Paid Family Leave, as required for NY employers
- ✓Hired & Non-Owned Auto: for employees making deliveries in their own cars
- ✓Employment Practices Liability: claims from employees such as wrongful termination or harassment
Coverage, benefits, and eligibility vary by policy and carrier.
Good to know
We serve beer and wine. Do we need liquor liability?
In New York, a business that serves alcohol can be held responsible for harm caused by an intoxicated customer, so it's strongly worth considering.
Are my delivery drivers covered?
Their personal auto policy may not cover business use. Hired & non-owned auto can help fill that gap.
Let's review your business coverage.
Call us and we'll be glad to help you.
