Restaurant Insurance for the Hudson Valley

Our own Philip Bender-Tymon at Pakt, Kingston NY

Restaurant insurance: We’ve got your back – and front (of the house)

Living in the Hudson Valley Region, we are blessed to be right in the heart of one of the most abundant “good food” movements in the country. As a result, our region is packed with a fantastic number and variety of restaurants.

To compete and stand out in this densely populated field, you’ve got to get everything just right. And that includes your insurance coverage.

That’s where we come in. We know how complex it can be and we’re here to help you understand and manage it. Here are some of the basics.

Front of house:

General Liability – Slips and falls are the most common restaurant insurance claim. Someone getting sick from the food – not so much – but general liability coverage protects you whatever the cause of harm to a patron or staff member.

Liquor Liability – In addition to the proactive training and certification of servers and bartenders, liquor liability helps protect you with defense costs should a patron come to harm from being over-served.

Property Insurance – If you own the building that houses your restaurant, property insurance covers fire, vandalism, and many other damages to the building. Flood and earthquake coverage are generally not included and are available as additional endorsements. Property insurance also covers your business personal property – pantry stock, furniture, furnishings, ranges, fryers, ovens, and computers and point of sale systems.

Back of House:

Workers Compensation – While it’s a financial headache for most business owners, workers compensation (comp) is an essential part of your insurance toolkit. Appropriate comp coverage protects your workers (and sometimes the owners) from losing a source of income due to a job-related accident or illness.
Disability and Paid Family Leave – In New York, employers are required by law to provide disability coverage to help employees who are injured or become ill and are unable to work due to an event outside of the workplace. Paid Family Leave provides a capped income for an employee who is caring for a newborn or other family members in need of extensive personal care.
Loss of Income and Extra Expense – If you are unable to conduct business due to a significant event like a fire or a prolonged power outage, this insurance helps provide income to replace your lost revenue. Extra expense covers “other than normal” operating costs that might be incurred because of the loss.
Cyber Liability – If you take credit cards, you need this. Most cyber ‘hacks’ take place between your credit card terminal and the provider’s firewall. Most providers only cover losses that take place behind that firewall, leaving you responsible for the rest. Cyber liability provides training tools and education to secure and prevent data loss and helps defray legal and client remediation costs if an event occurs.
Food Spoilage, Equipment Breakdown, and Offsite Utilities – Things break down. Sometimes it’s your thing, like a cooler (breakdown). Other times, it’s a utility company thing – like a transformer that explodes down the street (offsite). Either way, this trinity of coverages is essential in case of a food spoilage event and/or equipment breakdown, no matter where the fault lies.
There are other insurance considerations, depending on the nature of your business – commercial auto, signage, and additional locations, among others.

But your best bet to find your ideal personalized restaurant insurance solution is to contact your independent insurance agent.

We’ve got you covered – front and back.

Coming soon to an email or mailbox near you!

#eatlocal #shoplocal #insurelocal #farmtotableinsurance #HudsonValleyInsurance

Insuring Life In The 845

If you live in the Hudson Valley and happen to be on any social media platforms, you have probably seen the hashtag #lifeinthe845. Life in the 845 is a life lived smack dab in the heart of the Hudson Valley, and that’s where we, Hudson Valley Agents, live, work, and play.
Hudson Valley living is not for the faint of heart, and this is one of the few places on earth where you can experience all four seasons just driving through Ulster County! Ensuring that people driving in Kingston, Saugerties, or Woodstock have car insurance with a local insurance company with competitive rates is essential to our clients, and it is important to us.
First-time homeowners in Hyde Park and Poughkeepsie love that we offer homeowners insurance that includes coverage for your appliances (thank you Preferred Mutual, an NYS based company), with the bonus of discounts for bundling home and auto coverage.
Restaurants rave about our farm to table insurance coverage that truly covers your farm and your table, and has the bonus of several New York State-based insurance companies that have incredible coverage for Dutchess County restaurants.
Life in the 845 is a life lived locally. We have the best food, the best music, the best views, and the best insurance in all of New York.

#lifeinthe845 #livelocal #eatlocal #shoplocal #supportlocal #insurelocal #WaldenNY #KingstonNY #independentinsuranceagent #HudsonValleyInsurance

Celebrating National Spouses Day Insurance Style

Happy National Spouses Day!

Happy National Spouses Day Hudson Valley! Today is the day we take a moment to take the time to really appreciate just how precious our husband or wife truly is to us.

Yes, Valentines Day is just around the corner, but boxes of chocolate, overpriced flowers, and dinner in a packed restaurant isn’t everyone’s cup of tea. National Spouses Day is about doing the little things that strengthen the bonds of your relationship, ensuring asset protection, and making, and carrying out, your mutual plans for the future. One of those plans should be calling Hudson Valley Agents to talk about life insurance.

Yes, we know that life insurance is not a popular topic of conversation, but it is an essential part of ensuring that your spouse can financially continue on should you pass away.

You see, life insurance is not for you, it is for your spouse, it is for your children and your children’s children. The right life insurance policy will ensure that the family home remains in the family. That funeral costs, hospital costs, and doctor’s bills can be paid in a timely fashion that your son or daughter can continue with their college education. The right coverage ensures that your family will continue to survive and thrive.

Take some time to talk to your spouse this weekend about the need for life insurance coverage. It might not be the most comfortable conversation you two have ever had, but it is probably one of the most important. We understand and are here to make everything as quick, painless, and affordable as possible. All you have to do is pick up the phone, 845-778-2141. David Bonne handles all of our life insurance policies in our Walden office, companies like Met Life, William Penn, and American National. He is available Monday thru Friday.

Happy Spouses Day Hudson Valley! Give your significant other a big hug from us. #nationalspousesday #lifeinsurance #insurelocal #HudsonValleyInsurance #HudsonValley #waldenny

7 Safety Tips For Hudson Valley Snowstorms

Happy Friday Hudson Valley! We’ve got some tips and tricks to help you get through this snow-filled weekend. Stay safe, stay warm, and make sure you’re well insured!

Tips for Hudson Valley snowstorms –

1- STAY HOME! That new movie, or white sale can wait. Hop on Amazon, qeue up Netflix, curl up on your couch and ride out the storm from there.

2- If you absolutely have to be on the roads then please tell someone what route you will be taking. If something should happen and you do not end up at your destination as planned, people will know where to start looking for you.

3- Keep sidewalks and stairs as clear as possible, your mail person will thank you for it.

4- Increase the distance between you and the car in front of you. Slippery roads call for extra braking time.

5- Know what roads are notoriously bad during snowstorms, the Taconic Parkway for example, and avoid them at all costs.

6- Never stop on a snow covered hill, you will never make it up again and you risk sliding into the car or truck behind you.

7- Never tailgate snowplows or de-icing trucks. Always stay far enough back that they can easily see you in their mirrors. This is good avice for driving behind tractor trailers and other large vehicles.

Stay safe and warm this weekend Hudson Valley! If you need us, and we sincerely hope that you won’t, our 24 hour phone service will be available. 845-778-2141. #carinsurance #homeownersinsurance #HudsonValleyInsurance #Insurelocal #HudsonValley

New York State Trivia

In honor of National Trivia Day, we have put together some NYS trivia that might surprise you!

New York, you either love it, or you hate it. When you tell someone that you are from New York, they always assume that you are from New York City, but New York State is so much more than Manhattan.

The largest National Park in the United States (not counting Alaska) is the Adirondack National Park; the park has 28 MILLION acres.

Seth Wheeler of Albany NY held the first patent for toilet paper in 1883. Yes, there is a correct way to hang it.

There is a right way to hand toilet paper!

Half Moon Cookies (aka Black & Whites) got their start in Utica NY in 1920 thanks to one Harry B Hemstrought.

The very first automobile insurance policy was written by Traveler’s Insurance Company on February 27, 1898, to a Dr. Truman Martin of Buffalo NY.

We can’t “insure” that these tidbits of information will help you win your next round of pub trivia, but we can ensure that your insurance coverage fits your needs, and your budget too. Happy National Trivia Day Hudson Valley! #carinsurance #insurelocal #independentinsuranceagency #HudsonValleyInsurance #NewYorkStateInsurance

Top 3 Hudson Valley New Year’s Resolutions

2018 is drawing to a close, and this has everyone talking about what they plan on doing differently in 2019. We all want to lose weight, get to the gym more often, that stuff is a given. Life in the Hudson Valley requires something a bit different than the usual, mundane list of NYE resolutions, easily made and just as easily broken. Here’s what Hudson Valley residents put on their NYE List:
1- Shop locally more often. Amazon is excellent, but nothing beats that cool boutique (looking at you Hamilton & Adams) or the local hardware store for personal service and local flair.

2- Eat locally more often. The Hudson Valley is where New York State’s farm to table movement began, and it just keeps getting better all the time.

3- Explore locally. The Hudson Valley is home to a giant kaleidoscope, the best hiking anywhere, and the only accredited zoo located in a high school anywhere.
There are two resolutions that we are hoping to see on everyone’s list this year, insuring locally and talking to their insurance agent at least once a year.

Did you know that the Hudson Valley is home to some of the best insurance companies? When you keep it local, everyone wins!

Talking to your agent once a year means that you are never left underinsured or overinsured. We want to ensure that your assets are adequately protected and we don’t want you to pay more than you have to for any of it.

May 2019 bring you joy, good health, and outstanding insurance coverage! Happy New Year Hudson Valley, keep on keeping it local.

#shoplocal #eatlocal #explorelocal #insurelocal #HudsonValleyInsurance #farmtotableinsurance

Happy Snowmobile Season!

The NYS Snowmobiler’s Guide is chock full of important information and has this to say about snowmobile insurance-

Insurance- All snowmobiles must be insured unless they are operated solely on property owned or leased by the owner of the snowmobile. 

This statement is important if you plan on taking your winter fun off of your own land in order to explore all of the snow-filled fun that the Hudson Valley has to offer.  Anticipating a trip to Saranac Lake this winter?  You are going to need an insurance ID card in order to ride your own snowmobile, and, if you happen to be insured with Hudson Valley Agents, easily acquired.

Will Santa be delivering outdoor fun to your home this holiday season?  ATV’s and snowmobiles all require insurance coverage, and a trip to your local DMV (unless purchased from a dealership) to register them.  We’re here to help make all of your holiday insurance needs merry and bright!  Call, click, or stop by our Walden office for your free quote and some holiday cheer.  Don’t miss out on multi-policy discounts, good student discounts, or any of the other money saving insurance tips, call HVA today!

#hudsonvalleyinsurance  #insurelocal  #snowmobileinsurance  #ATVinsurance  #insurancediscounts  #carinsurance

4 Safety Tips For The Hudson Valley Holiday Season

It’s that time of year again, family gatherings, holiday decorations, shopping, and gift wrapping… oh and don’t forget stomach viruses, colds, and the flu, there is a lot going on. That’s why we put together this short list of tips to help keep you and your family safe and sane this holiday season.
1- If you have a live Christmas tree DO NOT FORGET TO WATER IT!  This video is proof that a well-watered tree is a safer tree.

2- Consider using LED candles as a replacement for wax candles. Exuberant children and excitable dogs can quickly start a fire.
3- Do not keep holiday gifts overnight in your car. Vehicle break-ins happen most often during December and January.
4- Call your insurance agent and ensure that you have insurance coverage for any big ticket items you purchased. Jewelry, artwork, certain collectibles, electronics, all need to be scheduled with your insurance carrier.  Hudson Valley Agents can help with that.

Stay safe and sane Hudson Valley! Happy Holidays!

#insurelocal #HudsonValleyInsurance #HudsonValleyAgents

A Thanksgiving Recipe From Hudson Valley Agents

Thanksgiving is right around the corner and we just had to share Philip’s recipe for his famous Bourbon Cranberry Relish!  We “insure” that this will be the star of your holiday table, and it tastes even better when you make it with locally distilled bourbon!

P Bender-Tymon’s Ulster County Famous Bourbon Cranberry Relish


  • 2 Cups whole cranberries, rinsed and roughly chopped
  • 1/2 to 3/4 Cup sugar (Philip prefers his on the tart side)
  • 1/4 Cup local bourbon (Adirondack Blended Straight Bourbon works well)
  • 1 Cinnamon Stick or Vanilla Bean (we prefer the cinnamon stick but they’re both quite tasty)
  • 1/4 Cup orange juice
  • 2 Tablespoons of orange zest

Combine all ingredients (except cinnamon stick) in a non-reactive saucepan and over medium/high heat until it is just about to boil.  When the sugar is just starting to melt, add the cinnamon stick and reduce the heat to medium/low.  Simmer, stirring occasionally, until the mixture begins to reduce and thicken.  When you are happy with the consistency, take off of the heat and let cool.  Refrigerate for one hour before serving.  *** If using a vanilla bean, split and scrape the bean and add to the mixture with all of the other ingredients. ***

Thank you, Philip, for sharing one of your Thanksgiving recipes, we look forward to serving it to our own friends and family!



Teen Driver Safety Week

Do you know what the #1 cause of death is for teens in the USA?  Car accidents.  Why do teens tend to have so many fatal car accidents?  This video has some of the answers-

Parents have a huge responsibility when it comes to their teens getting behind the wheel, responsibility, and fear.

Never fear!  We know of an outstanding defensive driving course, we offer affordable first-time driver insurance coverage,  and there are THE RULES

Making sure that your teenager has affordable, quality car insurance is just one of the things that we do really well, and we know all of the tips and tricks to “insure” that you have the coverage you need.  If you have questions about insuring your teen driver, give Hudson Valley Agents a call, 845-778-2141.  #teendriversafety  #insurelocal  #HudsonValleyInsurance