Restaurant Owners Have Unique Needs!
Do you own a restaurant or has it always been your dream to open a restaurant? Insuring your dream may not be high on your list of priorities, but should be. Protecting your livelihood is the job of an experienced insurance agent. Restaurant owners have very unique needs.
Here are some things to consider:
Although any location can be a restaurant, your insurance premium can be significantly impacted by factors that are near or adjacent to the location. For example, Waterfront locations are beautiful but are more difficult to insure due to the risk of flood and wind. Proximity to dangerous exposures, such as manufacturing or hazardous materials handling are just some of the examples of situation to avoid when choosing the ideal location.
Be aware of the obvious liquor liability, constantly changing property limits, food spoilage coverage, equipment and boiler equipment breakdown, employers liability (including workers compensation and disability) are just some of the additional areas owners should educate themselves about.
An independent insurance agent can help access, diagnose and offer invaluable advice on how to cover these exposures. You wouldn’t let an insurance agent cook in your dinner, so why are you acting without the counsel of an insurance professional.
C.H. Edwards, Inc. is an Independent Insurance Agent that has been in business since 1925 representing over 2,000 individual and business concerns in the New York Tri-State area. With a combined over 100 years of experience we have the tools to help you succeed.
For more information and a no obligation quote, feel free to call one of our knowledgeable specialists at 516-249-5200 or visit our website at www.chedwards.net.