Food Insurance

SEI-New York is a Manhattan based Insurance Agency that specializes in all aspects of business and personal insurance. We offer a free comprehensive review of your current policies and present you with cost saving alternatives without compromising your coverage. If you are not yet covered, we can help identify the right policies to fit your exposures at the best price possible. Our goal is to exceed your expectations with our knowledge and customer service.

Speak to one of our licensed professionals for free today.

Where were you during the Northeast blackout of 2003? Did your business have adequate coverage?

Businesses in the food industry face unique insurance issues. SEI New York specializes in insuring grocery stores, restaurants, and wholesale distributors. Our team can help you reduce the risk of slip and fall lawsuits, minimize employee injuries, and protect against spoilage losses.

Spoilage Coverage Spoilage Coverage protects perishable property and stock damaged by a change in temperature or humidity resulting from a power failure or equipment failure. This protection is not included in a business’s personal property/ contents limit and may be extended to cover damages caused by contamination.	General Liability General Liability Insurance is especially important in the food industry due to the frequency of slip and fall lawsuits. It protects against accidents and injuries on company and customer property. It also protects against product liabilities.

Cyber Liability Cyber Liability Insurance covers the costs of theft, destruction, or unauthorized use of electronic data through computer viruses or network intrusions. It also protects against such costs if a business fails to safeguard another party’s electronic data (e.g. credit card information).	Improvements and Betterments An improvement and betterment is anything installed by tenants that cannot be taken with them when they leave, such as light fixtures, shelving, refrigeration equipment, wallpaper, floor covering, and interior walls. It is a very common and frequently overlooked exposure that has important implications for both the building owner and tenant.

For additional information about specific coverages, please see Business Insurance.

Greg Schaefer, CIC, CPIA, President Schaefer Enterprisess, Inc. Tel : 877 237-2481 Ext. 300 Fax : 866 453-9676	New York City Office 73 Spring Street Suite 508 New York, NY 10012	Long Island Office 185 Willis Ave Suite 8 Mineola, NY 11501	© Schaefer Enterprises, Inc. 2010. All Rights Reserved.
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