Better Restaurant Insurance for Uncertain Times

March 23, 2021

restaurant insurance utica nyThe American Rescue Plan just passed by Congress includes help for restaurants. It’s called the Restaurant Revitalization Fund and it includes $28.6 billion for reviving restaurants nationwide.

That includes our outstanding Utica area restaurants. Some of the best food service in New York State. And you don’t have to believe us on this. Senate Majority Leader Chuck Schumer visited Utica the other day. He was here to promote the legislation and he praised the city for its “food culture.” He said, “This is so important to a city like Utica, known for its restaurants.” We second that!

Thing is, the last year has been difficult for many of our business insurance clients. That’s especially true of bars and restaurants. And it’s not just restaurant owners that have suffered. We miss going out to eat with family and friends, too! Again, that’s because the Mohawk Valley has some of the best dining experiences in New York State.

Restaurants Are Opening Up in New York

Here in Upstate New York, March 19 was the day that restaurants could open their doors to 75% capacity. At this writing, they still have to follow the Reopening New York Food Services Guidelines. That includes masking and maintaining distances of 6 feet among workers and tables.

But that’s a small price to pay to stay safe and enjoy eating out again.

Better Restaurant Insurance

So with everything restaurant owners have been through this year, we thought it would be a good time to offer our help with the insurance.

For over 35 years we’ve protected restaurants, cafes, and even ice cream stands throughout the Mohawk Valley. And we represent carriers who provide package policies specializing in food service businesses.

Better, lower cost restaurant insurance adds quality protection AND cash to your bottom line.

We can help if you own a:

  • Restaurant
  • Bakery
  • Diner
  • Delicatessen
  • Bar
  • Pizzeria
  • Fine Dining Establishment

Our premiums are lower because we represent special A-Rated insurance carriers who provide package policies specializing in food service businesses.

This is especially important during COVID-19. Better, lower cost insurance from local experts does two important things for you. First, it adds quality protection. Second, cash to your bottom line. We want to help you keep those delighted customers coming through the door!

So start with a quote today. Let’s work to make these crazy times a little more certain. Some of the coverages we’ll talk about are:

Liquor Liability to protect you from damages caused by a patron who has consumed too much alcohol at your establishment.

Cyber Liability for protection if you take credit cards or have a website, both vulnerable to a cyberattack.

Equipment Breakdown coverage resulting from power surges, short circuits, centrifugal force, boiler overheating or cracking, and mechanical breakdown.

Unique Restaurant Coverages such as food spoilage, backup of sewers/drains, and utility interruption.

There are more coverages to tell you about, including mandatory employee benefits such as New York State Workers Compensation, Disability, and Paid Family Leave.

So call us at 315.792.0000. Or send us your contact information here.

The upshot: You know that feeling you get on those nights when it all comes together? The right insurance protection in one package can bring you that same sense of well-being.

Give us a call today!

Until Next Time,
Your SZW Team

SZW Insurance is your Utica area Trusted Choice™ independent insurance agent. Call us for a quote on insurance for your home, car, business, or life at 315.792.0000. Or request a quote here. In Westchester County call Zak Scalzo at 914.246.0315 or email at