Your lease
Landlords across the borough increasingly require $1M/$2M liability or more, additional insured status, waiver of subrogation and primary and non-contributory wording before countersigning.
Williamsburg tasting rooms, Bushwick warehouse conversions, Park Slope family spots and old-school Italian in Bensonhurst. Tight leases and big build-outs, insured to the lease, with certificates your landlord accepts the first time.
Backed by an international broker with offices worldwide, with access to A-rated carriers and specialists in complex risks. Licensed in New York and Florida.
A converted warehouse and a Bay Ridge storefront are different risks. Insure them as such.
Brooklyn's restaurant scene spans destination dining, brewery taprooms, neighborhood institutions and Caribbean kitchens. Build-out age, fire suppression, alcohol share and delivery all change what belongs in the program and how it is priced.
Block by block, Brooklyn risks differ. Your policy should reflect your building and your operation.
Landlords across the borough increasingly require $1M/$2M liability or more, additional insured status, waiver of subrogation and primary and non-contributory wording before countersigning.
Older electrical, roofing and fire suppression get close attention from underwriters. We document them up front, which is where converted-space quotes usually stall.
Under New York's Dram Shop Act, any venue that serves alcohol carries exposure. Liquor liability belongs on a beer-and-wine program too.
New York requires coverage from the first employee, including part-time and tipped staff. DBL and PFL also apply to restaurants with employees.
Delivery riders, sidewalk seating and grease-trap maintenance all affect pricing. We raise them before you quote, not after.
Lease signed before opening? We bind lease-compliant coverage before opening day and adjust the policy as payroll and sales come in.
In New York, a Brooklyn restaurant needs workers' compensation as soon as it hires its first employee. That includes part-time, seasonal and tipped staff. Disability benefits coverage (DBL and PFL) applies to restaurants with employees as well.
We set it up before your first shift. Questions about payroll or headcount? Email us.
Why one submission matters. When several agents send the same restaurant to the same carriers, the market gets blocked and your quote slows down.
| Policy | Typical range |
|---|---|
| BOP for a small restaurant or café (GL + property) | $150–$700 per month |
| Bars, breweries and high-volume venues | Often above the BOP range |
| Liquor liability | Priced separately |
| Workers' comp and DBL/PFL | Priced on payroll and class codes |
Market guidance, not quotes or guarantees of coverage. All coverage is subject to policy terms, conditions and underwriting approval.
Fill out the form or email your documents. We will follow up in English, Spanish or Portuguese.
Most Brooklyn restaurants and cafés fall within the statewide market range of roughly $150 to $700 per month for a Business Owner's Policy covering general liability and property. Liquor liability and workers' compensation are priced separately, and late-night bars and high-volume venues usually pay more. Lease requirements, sales and payroll drive the final number. These are market ranges, not quotes.
Yes. Converted industrial spaces often need extra property attention, including older electrical and roofing, documented fire suppression and cooking-equipment details, and liquor liability if there is a bar program. We build the policy around your lease exhibit so the certificate passes review.
If you serve alcohol at all, you carry dram shop exposure under New York law, whether it is beer, wine or spirits. Standard general liability policies exclude liquor claims, so beer-and-wine venues should still carry liquor liability coverage.
Once the policy is bound, certificates naming your landlord or lender as additional insured are typically issued the same business day, which matters when a lease signing or liquor license step is waiting on it.
Yes. New York requires workers' compensation for virtually all employees, including part-time, seasonal and tipped staff, along with DBL/PFL disability benefits coverage. Operating without it risks state penalties.
