Running a restaurant in New York (we service the tri-state area) comes with many challenges, from managing daily operations to dealing with rising costs, staffing issues, and complex regulations. One of the biggest headaches for restaurant owners, however, is securing the right insurance coverage. Finding an affordable and comprehensive policy that protects your business from potential risks—while keeping costs manageable—can feel like an impossible task.
That’s why BGES Group is excited to introduce our brand-new restaurant insurance program, designed specifically for New York restaurants. This program is tailored to meet the unique needs of restaurant owners, offering comprehensive coverage that includes:
• Property Insurance – Protects your restaurant’s physical assets, including the building, equipment, inventory, and furnishings.
• General Liability Insurance – Shields your business from claims related to customer injuries, property damage, and other common risks.
• Liquor Liability Insurance – Essential coverage for restaurants serving alcohol, protecting against claims related to alcohol-related incidents.
• Workers’ Compensation Insurance – Covers medical expenses, lost wages, and other costs related to employee injuries on the job.
Key Features of Our Restaurant Insurance Program
1. Designed for Restaurants with Sales Up to $5 Million
Our program is ideal for small to mid-sized restaurants with total annual sales of up to $5 million. Whether you operate a fine dining establishment, a casual eatery, or a trendy bar and grill, this program provides the protection you need without unnecessary costs.
2. Covers Liquor Sales Up to 45% of Total Revenue
Many insurance companies hesitate to cover restaurants that generate significant revenue from alcohol sales. Our program accepts liquor sales of up to 45% of total revenue, making it a perfect fit for bars, gastropubs, and high-end restaurants that rely on alcohol sales to drive profits.
3. Comprehensive Coverage in One Package
Instead of dealing with multiple insurers and policies, our program offers an all-in-one solution that covers property, liability, liquor liability, and workers’ compensation. This streamlined approach not only saves you time but also ensures that you have no gaps in coverage that could leave you vulnerable to financial loss.
4. Quotes Within 1 Hour or Less
One of the most frustrating aspects of buying insurance is waiting for quotes. With our new program, BGES Group can provide you with a quote in one hour or less. We understand that time is money, and we work quickly to get you the coverage you need without delays.
Why Choose BGES Group?
With so many insurance providers out there, you might be wondering why BGES Group is the best choice for your restaurant. Here’s what sets us apart:
1. Experts in New York Restaurant Insurance
We specialize in restaurant insurance and understand the unique risks and challenges that New York restaurant owners face. From labor laws to liquor liability concerns, we know what coverages matter most to protect your business.
2. Competitive Pricing & Custom Solutions
We work with a network of top-rated insurance carriers to find you the best coverage at the most competitive rates. Our policies are designed to fit your specific needs, so you don’t have to overpay for unnecessary coverage.
3. Fast, Hassle-Free Service
Time is precious in the restaurant business. Whether you need a quick quote, a policy change, or a claim filed, we handle everything quickly and efficiently so you can focus on running your restaurant.
4. Dedicated Support & Guidance
At BGES Group, we believe in building long-term relationships with our clients. We don’t just sell you a policy and disappear—we’re here whenever you need us, providing guidance, support, and expert advice to keep your business protected.
Why Insurance is Critical for New York Restaurants
Owning a restaurant is exciting, but it also comes with significant risks. Without the right insurance coverage, a single lawsuit, fire, or workers’ compensation claim could put your entire business in jeopardy. Here’s why each type of coverage in our program is essential:
1. Property Insurance – Protect Your Assets
Imagine a fire breaking out in your kitchen, destroying your equipment and causing extensive damage to your building. Property insurance covers repairs, replacement costs, and lost income while your restaurant is closed for repairs.
2. General Liability – Protect Against Customer Lawsuits
If a customer slips and falls inside your restaurant or claims to have gotten food poisoning, you could face an expensive lawsuit. General liability insurance covers medical expenses, legal fees, and settlements, so you’re not paying out of pocket.
3. Liquor Liability – Essential for Restaurants Serving Alcohol
In New York, if a customer gets into an accident after drinking at your restaurant, you could be held responsible. Liquor liability insurance protects your business from alcohol-related lawsuits, helping cover legal costs and settlements.
4. Workers’ Compensation – Keep Your Employees Protected
Injuries are common in the restaurant industry, from kitchen burns to slips and falls. Workers’ compensation insurance covers medical bills, lost wages, and rehabilitation costs, protecting both your employees and your business.
Get a Quote in 1 Hour or Less!
Don’t waste time shopping around for multiple policies or waiting days for a quote. With BGES Group, you can get a quote for our exclusive New York restaurant insurance program in just one hour or less!
Contact Us Today!
To learn more about our new restaurant insurance program or to get a fast, free quote, contact us today:
Phone: 914-806-5853 – Gary Wallach
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com
We’re here to make restaurant insurance simple, affordable, and hassle-free. Let us help you protect your business so you can focus on what you do best—serving great food and creating unforgettable dining experiences!