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http://rsi-insurance.com/commercial-i... Commercial Insurance for New York Business owners is a must. RSI Insurance will protect your Restaurant from Losses. Every restaurant is unique. Therefore, the insurance program protecting each establishment should be unique, too. The most common types of restaurant insurance available include : Property Insurance -- Protects your property in case of fire or other events. It may not cover natural disasters, such as floods or earthquakes (see below for a policy that does.) If you have any kind of mortgage on your business and/or equipment, then you should carry a property insurance policy. General Liability Insurance-- This is the umbrella policy that protects you in the event someone slips and falls in your restaurant, gets sick after eating there (whether it was your fault or not). This is a must have in today's sometime sue-happy world. Liquor Liability Insurance-- Most states require that any establishment holding a liquor license carry liquor liability as part of their insurance. It helps protect you if a customer has too much to drink and drives and hurts themselves or someone else. Automobile Liability Insurance-- If you have a company vehicle, this is a good insurance to have. It may be covered in your general liability, but always check with our insurance agent first. Workers Compensation Insurance-- Protects you if an employee is hurt at work. Most states require that all employers carry some type of workers' comp.