John Paterno Inc.

09/10/2025

We live in a litigious society and the rise in claim activity is a concern for all business owners especially restaurant and tavern owners. An Employment Practices Liability (EPL) insurance policy provides businesses with coverages that are not included within the standard General Liability policy.

An EPL Policy will protect your business for claims made against them as a result of the following:

- Harassment- allegation of sexual, verbal or physical harassment
- Wrongful termination- wrongful dismissal, discharge or termination of employment
- Discrimination- allegation of unfair treatment or termination due to race, color, gender, pregnancy, military service, sexual orientation, religion, age or disability.
- Retaliation- allegations of employers treating employees less favorably for reporting discrimination, participating in discrimination investigation or lawsuit, or opposing discrimination.
- Third Party Liability-alleged discrimination or harassment against a customer, client, or vendor.
- Wage and Hour Defense Costs- allegations related to payroll practices or policies; alleged misclassification of employees or unpaid wages.

Contact us today for a quote 516-466-2900!

05/28/2025

Restaurant and bar owners must prepare for a wide variety of risks whether it’s an injured employee, patron or a catastrophic event. Our office provides coverage for your insurance needs:

- General Liability
- Liquor Liability
- Fire insurance
- Cyber insurance
- Employment Practices Liability
- Umbrella or Excess Policy
- Beer and Liquor Bonds
- Workers Compensation/Disability

Call our team today for a free quote 516-466-2900! We want to save you money during a time when premiums and rates are increasing!

05/26/2025

As we celebrate Memorial Day weekend, please take a moment to remember all of those who are currently serving, served and paid the ultimate sacrifice to protect our freedom. God bless America!

05/21/2025

If you are ready to sign a lease for a new restaurant or bar but will not be operating to the public.. a vacant Short Term Package Policy provides you with protection at an affordable price while fulfilling insurance lease requirements.
Call us today 516-466-2900 for a quote!

05/12/2025

Employment Practices Liability Insurance protects the owner of the business in the event there is litigation arising from a claim of sexual harassment, unfair termination due to discrimination, disability, etc.

The EPL policy is written on a “claims made” basis- which means there is only coverage when incidents happen and are reported within the policy’s timeframe. For a claims-made policy to cover claims made after the expiration date, a ‘tail’ can be purchased to protect the policyholder from past incidents, despite a claim being made after expiration.

If you are a business owner, you would benefit from an EPL policy. Contact our office at 516-466-2900 for a quote and free consultation.

05/07/2025

A Commercial Fire Policy protects the contents of your business against a loss from a covered peril. If your restaurant were to experience an event like a fire and burns down, the Commercial Fire/Property Policy would cover the contents of your business.

What are considered “contents”? An easy way to remember is to visualize your restaurant turned upside down, what would fall out? The tables, chairs, stock, etc.

05/02/2025

Found the perfect spot for your new bar or restaurant? Before you sign the lease, make sure you review the insurance lease requirements.

Insurance lease requirements are typically included in the lease agreement to protect both the landlord and the tenant. These requirements often include General Liability, Liquor Liability, Fire Insurance, Workers Compensation/Disability (to name a few). The tenant is responsible for obtaining and maintaining these policies.

Insurance lease requirements can be excessive and create a financial burden which only increase over the years which you are legally bound to. We are happy to review insurance lease requirements and offer advice. Contact us today at 516-466-2900.

02/27/2025

We are excited to announce our return to the New York Restaurant Show March 23-25 at the Javits Center! Please be sure to check us out at Booth # 1534.

Make sure to stop by and drop your business card for a chance to win our Rose and White Wine basket!

01/14/2025

07/23/2024

As a restaurant, bar or tavern owner you know the amount of work it takes to run a business. Let us help you by customizing an insurance package focusing on the needs of your business. Contact us today at 516-466-2900 or email Ashley at [email protected] to see how we can help!

07/18/2024

Signed a lease but not currently operating to the public? Don't forget to obtain insurance! Our vacant package policies provide you with protection and at an affordable price!

Call us today 516-466-2900

07/16/2024

If an insured suffers a loss and did not carry enough property insurance, the co-insurance penalty may come into effect.

A coinsurance penalty is a property insurance clause that penalizes insureds when the amount of insurance they purchase is LESS than a specified percentage of the property's value (usually 80%).

The insured must carry 80% of the replacement cost value. If the insured carries less than 80%, a penalty is applied to the loss payment.