Family-owned operations
Workers' comp is required for employees, and the treatment of family members depends on how the business is owned. We confirm the exact requirement, so you are compliant without overbuying.
Astoria tavernas, Flushing banquet halls, Jackson Heights kitchens and the Long Island City restaurant row. Family-staffed and high-volume at the same time, with insurance that keeps up with both.
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.
Queens restaurants run lean and run hard. The policy should be built the same way.
We quote the way underwriters see your kitchen: cooking type and fire suppression, seating and liquor share, delivery model, payroll including family members, and the limits in your lease. Getting those facts right up front means a real price the first time.
Queens is one of the most diverse food boroughs in the country. Its restaurants carry diverse risks.
Workers' comp is required for employees, and the treatment of family members depends on how the business is owned. We confirm the exact requirement, so you are compliant without overbuying.
Seafood counters, bakeries and banquet kitchens hold a lot of perishable stock. Spoilage and breakdown coverage protect it, and the repair behind it.
Landlords commonly require specific limits, additional insured status, waiver of subrogation and primary and non-contributory wording. We match the policy to your lease exhibit before certificates go out.
Under New York's Dram Shop Act, a venue that serves an intoxicated person or a minor can face liability after harm. Liquor liability has to be on the policy.
If staff deliver in personal cars, a personal policy may not respond for your business. Hired and non-owned auto closes that gap, and underwriters will ask about your delivery volume.
Large events add liquor, crowd and property-in-transit exposure. We structure them into the program so venues and clients receive the certificates they request.
In New York, a Queens restaurant needs workers' compensation as soon as it hires its first employee. Kitchen staff, servers, bartenders and delivery drivers are covered, and disability benefits coverage (DBL and PFL) applies to restaurants with employees.
Family-run? We will confirm exactly how your ownership structure affects the requirement. 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 |
| Banquet and high-volume operations | 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 Queens restaurants and cafés pay roughly $150 to $700 per month for a BOP with general liability and property coverage, the statewide market range. Liquor liability and workers' compensation are separate, and high-volume Flushing dining rooms or Astoria taverns with liquor exposure may price above the range.
In most cases, yes. New York requires workers' compensation for employees, and how family members are treated depends on ownership structure. We review your exact setup so you are compliant without overbuying, and pair it with the required DBL/PFL disability coverage.
Yes, with spoilage coverage on your policy. It pays for inventory lost to refrigeration breakdown or power interruption, and equipment breakdown coverage handles the repair plus business income lost while you are down.
Once your policy is bound, certificates naming your landlord or lender as additional insured are typically issued the same business day. Send us the insurance exhibit from your lease first, and we will bind limits and endorsements that match it.
It can. If staff deliver in personal vehicles, hired and non-owned auto liability may be needed, and underwriters will ask about delivery volume. Tell us how your operation runs and we will structure the policy around it.
