Capacity Coverage of Warwick
Let Us Cater to Your Restaurant & Bar Insurance Needs

As a restaurant or bar owner, you understand the unique exposures to which your business is susceptible. A generic, off-the-shelf policy won’t provide the necessary protection you need to safeguard your assets and thrive. A customized, industry-specific program is required to protect your hard work, people, and customers.

For example, serving liquor exposes your restaurant or bar to lawsuits related to injury, drunk driving, and even death. Employee and customer slip and falls invite workers’ compensation claims and lawsuits, respectively. Further, the threat of food-borne illness is a reality for any restaurant owner, and a lawsuit stemming from this type of claim can cost your business thousands let alone the reputational damage your establishment would suffer. In addition, food contamination, fire hazards, pollution and many other factors must be addressed in this industry.

On the Insurance Menu

At Capacity Coverage of Warwick, we are experts in providing specialized packages to provide the security your restaurant, bar, or tavern requires in the event of a loss or accident. Critical coverages include:


  • General Liability
  • Liquor Liability
  • Assault & Battery Insurance
  • Excess Liability
  • Food-Borne Illness
  • Food Spoilage
  • Food Contamination
  • Pollution Liability
  • Property Insurance
  • Business Interruption & Dependent Business Interruption
  • Equipment Breakdown
  • Cyber Liability
  • Employment Practices Liability
  • Workers’ Compensation
  • And many more!

Whether your restaurant or bar needs to shut down temporarily due to a storm or you are worried about facing allegations of unfair pay or discrimination, Capacity Coverage of Warwick is here to serve restaurant and bar owners throughout Orange County, Hudson Valley and beyond.