Dram Shop, Delivery Gaps, and Defrosting: The Essential Insurance Checklist for NYC Restaurants
New York City's vibrant restaurant scene is a dream for entrepreneurs, but that flavor comes with a complex web of risks. In this episode of Rock-Solid Insurance Talk, we sit down with Amita, owner of the popular Brooklyn Thai restaurant Khaosan, to conduct a real-world insurance deep dive.
From managing high-volume dine-in crowds to navigating the Thai Select festival and Staten Island’s "Pig Week," we explore how to turn insurance from a regulatory headache into a strategic business asset.
🍳 Key Takeaways for Restaurateurs:
The Freezer Fail: We address every owner's nightmare—a broken walk-in. Learn how Equipment Breakdown & Spoilage Coverage reimburses you for lost inventory and repair costs.
The "Dram Shop" Reality: With NY’s strict laws, standard liability isn’t enough. Discover why a separate Liquor Liability Policy is non-negotiable for protecting your license and assets.
The Delivery Gap: If your staff delivers in their own cars, you are exposed. We explain how Hired and Non-Owned Auto (HNOA) insurance fills the gap where personal policies fail.
Chargeback Protection: Learn how Cyber Liability can safeguard your revenue against fraudulent credit card chargebacks and digital payment disputes.
Off-Site Risks: Planning a festival booth? Ensure your General Liability is endorsed for catering and off-site events so your protection travels with you.
Tune in to learn how to build a custom safety net that protects your investment and keeps your kitchen cooking!
Ready to protect your culinary dream? Reach out to Blue Rock Insurance Services for a specialized restaurant policy review.
