Food Service Industry Insurance

Types of Businesses Covered      Ways to Save      Coverage Options      FAQ

Please contact us today and ask us to build you an insurance package that fits your needs, the savings and value can be considerable. We can find insurance for many types of businesses in the food service industry. 607-843-8860  insurance@drickardinsurance.com

Questions*

Best

• What is the best insurance for my Restaurant, Bar, etc. (Most asked question!)

Cost

• What is the average cost of restaurant insurance?

Catering Insurance Questions

• Do I need a special policy to cover catering?

Delivery Insurance Questions

• Do I have to have a separate policy for delivery?

Liability Questions

• Do I have liquor liability automatically included in my Business Owner Policy?

Seasonal Business Insurance Questions

• My employees and stock fluctuate seasonally, what can I do to save insurance dollars?

Employment Insurance Questions

• Do I have to buy my Workers Compensation Insurance from New York State Insurance Fund?
• Do I have to buy my New York State Disability from New York State Insurance Fund?

Answers*

Best

Question: What is the best insurance for my Restaurant, Bar, etc?

Answer: Unless you are operating a franchise or a business based a standard template like a franchise your business will not be exactly like others. Really you go to much effort for your business to be different than the others and that is what your customers like.

The same goes for insurance. The best insurance for your business is a policy that addresses every concern that you have in an affordable and scaleable way. Most insurance companies are not scaleable, meaning that your insurance policies are able to grow and change with your business. However, when you work with DRickard Insurance we have already collected many insurance companies that together they offer a wide range of products for nearly ever food service and vendor business. Thereby you save time with us as your business changes over the years when you work with us to find you the right company for the right time in the life of your enterprise.

Depending on your needs you will need us to help find you an insurer who understands liquor liability, business auto exposurers, entertainment, seasonal fluctuations, your menu choices, the safety devices in your building, employment insurance, food contamination, and your personal sensability and choices.

It sounds like you need a match maker. Let DRickard Insurance help to find you your best insurance match for your restaurant or bar. Contact us at 607-843-8860 or insurance@drickardinsurance.com.

Costs

Question: What is the average cost of restaurant insurance? (Most Asked Question!)

Answer: Insurance needs differ greatly because of this insurance costs do also. Over the years we have see restaurant insurance premiums as low as $250 a year. The most common small one or two employee restaurant insurance packages have premium costs in the ball park of annual premiums: Business Owner's Policy $1,000, plus Workers Compensation $1,000, Plus NYS DBL $150. So that totals about $2,150 annual need. Do not take these numbers as a quote or guarantee. Most restaurants find the coverage in policies this small to be inadequate. Contact us at 607-843-8860 or insurance@drickardinsurance.com for an insurance plan designed to fit your business strategy and needs. Be assured that with our many restaurant and bar insurance companies that we have many options and we are willing to search through them to find the best priced most appropriate restaurant insurance policies we can.

Liability Insurance Answers

Question: Do I have liquor liability automatically included in my Business Owner Policy?