Restaurant Insurance

At M.L. Bruenn we offer industry leading Restaurant Insurance policies at competitive prices to the entire Duchess County area. We are committed to helping you find the right policy for you, at the right price.

How to Protect your Restaurant from the Unexpected
When you are running a business, you have a number of different things to be concerned about. With a restaurant business, you still have things to worry about, but they are quite different from those opening an office or retail store. The question however, is what can happen in a restaurant business that differs from any other business. Let’s take a look at the list, and perhaps discuss why restaurant insurance is different from any other type.

Restaurant Insurance Coverage

Liquor Related Coverage: Though having a liquor license for your business is certain to increase profit, it also increases the chance of incident. You may have a patron that drinks too much, and your insurance needs to cover any legal costs related to this.

Accident Costs: While you might not think about it often, there are plenty of hazards in the kitchen as well as the restaurant floor itself. From the slippery floors in the kitchen, to the waiters carrying trays to their tables, you have the potential for accidents just about everywhere. Make sure that you can pay reparations to both your customers and workers in the event an accident does happen.

Missed Income: There is a difference between working for a business and owning a business. When you work for a business, you always have the potential for income. In owning a business however, you will find that lost income is a real possibility. This could be the result of your company experiencing a disaster, or being closed for some other reason. A good restaurant insurance policy will help to guarantee your income for a certain period of time.

Contents Insurance
: Inside your restaurant there are a number of valuable items including your kitchen equipment. If you do not have these insured, you will find that they are very hard to replace in a pinch. That being said, restaurant insurance will most certainly pay off in the end.

These are a few types of coverages that are provided in a restaurant insurance policy, though the details may vary depending on your provider. Restaurant insurance will not only help you out with your costs, but also help to ensure that you stay in business during the worst of times. If you are ready to protect your business, then now would certainly be a great time to look into the different available insurance policies and decide which packages are best for your business.

For a personal discussion of your Restaurant Insurance requirements contact Tom Bruenn at 914-632-2222 or  request a quote online.

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M.L. Bruenn Co, Inc.  |  240 North Ave Suite 200 - New Rochelle, NY  10801