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Restaurant & Hospitality Insurance

In today’s environment restaurant owners face many challenges and our team of commercial insurance agents are here to make sure their risk management and insurance planning is seamless. Our group of experts can evaluate the overall risk factors and design an insurance package that can mitigate losses and provide protection when accidents and/or acts of god occur. Because we specialize in insuring restaurants and eating establishments, we have partnered with the foremost A+ rated insurance companies to offer high quality, competitively priced coverage for our customers. Depending on the overall risk factors we can offer coverage as a commercial package or on a Business Owners Package (BOP).


Coverage features we may suggest to restaurant owners may include:

  • General Liability
  • Liquor Liability
  • Employment Practices Liability
  • Employee Benefits Liability
  • Cyber Liability ***Growing Need in PCI Compliance***
  • Building and Business Property Coverage
  •  Additions and Alterations Coverage (Cost of Buildout)
  • Tenant Glass Coverage 
  • Loss of Business Income Extra Expense Coverage
  • Equipment Breakdown Coverage
  • Spoilage
  • Outdoor Sign Coverage (As well as loss of income due to Loss of Exterior Sign)
  • Workers Compensation
  • Commercial Auto

We can offer our expertise to a wide range of restaurants as well as franchise operations. Some of the best examples of these establishments are Pizza Parlors (sit down, takeout, and delivery), Steakhouses, Seafood Restaurants, Other Fine Dining, Fast Food, Cafe/ Coffee Shops, Bakeries, Sandwhich Shops, Sushi, Italian, Asian, American, Indian, Hibachi style, Latin, Mexican, "Mom and Pop", BBQ and many more. If you own a restaurant and have not had a review of your insurance plan lately, reach out to us and we'll make sure you're well protected with a great insurer at a competitive price.

Our Location


1981 Marcus Avenue #125
Lake Success, NY 11042
Main office: 516-259-3608
Fax: 516-829-5857

Our Providers


I highly recommend SCS Agency for your insurance needs. Jazmin Letamendi, Associated Director, John Jay College of Criminal Justice

"R. Baker has been in business for over 75 years and has preformed work throughout the United States, Puerto Rico and Canada. When we met over 35 years ago, we only had 5 employees and performed around $150,000 in sales per year. We were referred to SCS by a long term customer when we lost our insurance and could not find anyone with the ability and knowledge to place our business. Within one week you provided us with a solution and afforded us coverage which helped pull us from the brink of disaster."

R. Baker
What an awesome agency to work with! Jazmin Letamendi, Associated Director, John Jay College of Criminal Justice

"Over the years we have worked together through many good times and unfortunately through many hard times. It's in those hard times when you see the true colors and worth of a person. I am confident to say that in those hard times you never wavered, and always held true to your word and commitment in assuring a successful outcome for R. Baker, my family and I."

R. Baker
Earlier this year, our college was in need of a comprehensive insurance package for commencement at Madison Square Garden. The insurance company we were working with previously did not provide the coverage required by the venue. Cheryl Charles, from SCS, was able to expeditiously, diligently and professionally ensure all of our insurance needs were met. Jazmin Letamendi, Associated Director, John Jay College of Criminal Justice