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Insurance for Restaurants and Hospitality

Coverage built around the kitchen, the bar, the lease, and the staff who turn the room over every night.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Why Operators Choose Us

Insurance that keeps up with the room

Hospitality coverage has to work through menu changes, staffing swings, and seasons, not just at renewal.

Ready for the lease.

Limits, additional insured status, and waivers matched to what your landlord requires.

Built around your service.

Coverage based on your hours, your alcohol sales, your kitchen, and how you actually operate.

Local help when you are open.

Certificates, staffing changes, and coverage questions handled by a team you can reach.

Who We Work With

Built for hospitality of all kinds

That same practical approach works across a wide range of operations, from single-location kitchens to venues running events, lodging, and full bar programs.
  • Restaurants
  • Full Service
  • Quick Service & Takeout
  • Food Trucks
  • Bars & Beverage
  • Bars & Taverns
  • Breweries & Cideries
  • Lodging & Events
  • Hotels & Inns
  • Banquet & Event Venues
  • Catering
Do not see your operation? We insure many other hospitality businesses throughout Central and Upstate New York.

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The Hospitality Program

Coverage operators carry

Four coverages do the heavy lifting on nearly every hospitality program. The rest get added as the operation grows into them.

Core Coverage

General liability

Guests on the floor, at the limits your landlord requires.

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Liquor liability

New York's Dram Shop exposure, written separately from general liability.

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Commercial property

Kitchen equipment, buildout, inventory, and income while you are closed.

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Workers' compensation

Kitchen, front of house, and your largest fixed cost after payroll.

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Additional Coverage

Commercial auto

Delivery vehicles and catering runs.

Cyber liability

Point of sale systems and customer payment data.

Executive liability

Employment claims from a workforce that turns over.

Commercial umbrella

The excess limits leases and events require.

Know Before You Serve

Make sure your coverage matches the lease and the license

Landlords, license conditions, and event venues all set requirements, and each one gets checked before you open the doors.
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Liquor liability under New York's Dram Shop law.

Serving alcohol creates exposure that general liability does not answer. The limit needs to reflect what you actually pour, not a default.

Landlord limits and endorsements.

Most leases set a general liability limit, require the landlord as additional insured, and include a waiver of subrogation.

Kitchen protection requirements.

Hood suppression, fryer setup, and inspection history affect both what carriers will write and what the property rate looks like.

Need a certificate for a lease or an event? Call 315-598-6000 with the details and required wording.

Understanding Your Premium

What actually moves your insurance cost

Hospitality premiums are built from what you serve and when. The more accurately those details are represented, the easier it is to make sure you are paying for the right risk.
  • Your Bar

Alcohol as a share of sales

What runs on the floor, and what it is made from, sets much of the rate.

  • Your People

Payroll and class codes

Kitchen and front of house price differently from one another.

  • Your History

Claims and loss experience

Slip and fall, liquor, and employment claims each carry different weight.

  • Your Service

Hours and model

Late night service and entertainment rate differently than lunch.

  • Your Kitchen

Equipment and protection

Suppression systems, cooking equipment, and inspection history move the property rate.

  • Your Location

Building and construction

Construction class, protection, and neighboring occupancies all factor in.

Before You Shop Carriers

A better premium often starts with better information.

We review alcohol splits, payroll, kitchen protection, lease requirements, and property values before assuming the answer is simply another carrier.

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Good To Know

Hospitality & Restaurants insurance FAQs

Quick answers to common questions from New York restaurant and hospitality operators.
At minimum: general liability, liquor liability if you serve alcohol, commercial property on buildout and equipment, and workers’ compensation and DBL. Most operators add business income, cyber for point of sale, and the umbrella limits their lease requires.
Generally not. New York’s Dram Shop law creates a distinct exposure, and liquor liability is the line written to answer it.
Most leases set a general liability limit, require the landlord as additional insured, and include a waiver of subrogation. Send us the lease and we will build the program to match.
Only if the policy includes it. Spoilage and equipment breakdown are commonly added rather than assumed, which is worth confirming before the first outage.

Local To Your Community

Six offices across Central and Upstate New York

Local advisors understand the plants, the industrial parks, and the buyers your product ships to. Find guidance in your area:
Oswego County
Northern Oswego & Tug Hill
Oneida County
Syracuse & Onondaga County
Wayne County
Finger Lakes Region
Rochester & Monroe County
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY