Restaurants face one of the densest insurance needs of any small business: liquor liability, food contamination, slip-and-fall claims, kitchen equipment breakdown, and a workforce with high turnover that makes payroll-based workers’ comp reporting easy to get wrong.
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Core Coverage for Restaurants
- General liability (often bundled into a restaurant-specific BOP)
- Liquor liability — required separately from standard GL if you serve alcohol
- Workers’ compensation — kitchen staff, servers, and delivery staff are often rated under different codes; misclassification is common
- Equipment breakdown — for walk-ins, ranges, and refrigeration
- Business interruption — for closures due to covered events
Why Restaurant Workers’ Comp Costs Spiral
High staff turnover means payroll reporting errors compound quickly. Seasonal hires, tipped wages, and delivery staff are the most common sources of overpayment we find during audits.
Payroll classification audit guide → | How to reduce workers’ comp premium →
Where We Serve Restaurants
Brooklyn · Queens · Bronx · Manhattan · Staten Island · Long Island
