We have special Insurance Packages for Restaurants, Bars & Taverns

As a restaurant owner, you have most likely devoted a lot of time and moneyto your business. You want to make sure that it remains profitable byprotecting it with a suitable restaurant insurance policy.What kind of coverages do you need? Workers compensation insurance Disability General liability Product liability Liquor liability Hired and non-owned vehicle liability Building coverage Contents coverage Equipment breakdown coverage Food contamination coverage Loss of income coverageEarly 2017 The owner of popular two-year-old Bed-Stuy breakfast andlunch spot Ms. Dahlia’s Cafe tells Bed-Stuy Patch that two recentrobberies have left her unable to pay rent and will likely force her to closethe business. Margo Lewis says that thieves stole her rent money, andshe’s been served eviction papers by her landlord.Why did this happen? It most likely means she didn't havesufficient coverage in place. Theft, Business interruption, etc. A BOPtailored especially for restaurants give excellent coverage to prevent youfrom losing what you've worked so hard for.

Restaurant Structure-Fire StatisticsFire is one of the more common hazards faced by restaurant owners, but it isfar from the only one. A comprehensive restaurant insurance policy can helpto ensure that your business is properly covered and remains profitable. In 2002, there were approximately 7,000 restaurant structure fires resulting in $116 million in damages 65% of these fires resulted from cooking accidents and 10% were caused by heating problems Fewer than half of these fires originated in an area that was equipped with automatic extinguishing systems or fire alarms On average, restaurant structure fires cause more costly damages than residential structure fires 5 Ways to Save Money and Lower Your Premium • TIPS Certification • Central Station Fire Alarm • ID Scanner • Sprinkler system • Functional fire extinguishers

Restaurant Insurance Coverage Tailored to Your BusinessRestaurant insurance costs vary significantly from one business to another.Your specific premiums will depend on factors such as the size of yourbusiness, the number of employees you have on staff, whether you serveboth food and alcohol and whether your business includes cateringservices.The MIA Group has several insurance products tailored specifically forrestaurants, bars and taverns.As your insurance broker, we obtain at least 3 rate quotes to comparebefore you buy. This way, you'll be able to see what kinds of coverages areavailable in your price range. It's very important to make sure that you'recomparing similar coverage - you could be getting quotes for differentdeductible amounts, coverage types, and liability limits if you're not careful.It's also a good idea to consult with your accounting professional and anattorney to make sure that all your assets and liabilities are adequatelyaddressed by your restaurant insurance package.Over 15 years of expertise and experience designing custom packagesfor restaurants. Call us today for a FREE consultation and start savingtoday! Morgan Insurance Agency, Inc. 267 Sunrise Hwy, Suite 1 #237 Rockville Center, NY 11570 www.themiagroup.com Follow us on Facebook, Twitter & Instagram @themiagroupnyc