It's a story common to Red Hook, which was hit particularly hard in Sandy and saw extensive flooding even several blocks inland. The acclaimed restaurants Fort Defiance and The Good Fork on Van Brunt Street were similarly closed while essential kitchen equipment needed to be replaced. The neighborhood Fairway Market, which is located right on the water, only recently reopened after months of cleaning and replacing flood-damaged equipment and stock.

Unfortunately, it seems likely Hurricane Sandy won't be remembered as a freak once-in-a-lifetime storm. Many are predicting it could become a recurring risk to Red Hook and other water-bound neighborhoods of New York and New Jersey. If there's one upside, it's that Kenneth Bieber offers flood insurance as part of their business insurance in New York options. In addition to our other forms of New York renters insurance, flood insurance will protect you in the event of another Sandy, so you can get back to work or get back to your home as soon and as painlessly as possible.

Wondering why you need specific coverage for your restaurant or catering business? There's plenty that can go wrong in the hospitality industry, perhaps even more so than others because the product is a perishable good that could easily spoil in an event that leaves a refrigerator powered off, a freezer that isn't running or even a grill or stove that burns out and is unable to prepare the food.

In addition to the food itself, all the usual risks are present in running a restaurant or caterer business. Property damage of any kind can interrupt business and your ability to make money on your investment, whether it's damage to the building itself or its contents. Restaurants with a liquor license run an extra risk, as the sale and consumption of liquor brings with it all the potential for its negative side effects. So if you have a restaurant or catering business, you need industry-specific insurance. Let Kenneth Bieber help keep your business safe.

Disability insurance will financially protect you from any of these unfortunate scenarios. If you work a dangerous job such as a construction worker, zoo keeper, lion tamer, or stunt double, your life may be at risk every day. You may already have a form of life insurance, but disability insurance will allow you the proper amount of time to recover from any unforeseen accidents, as well as provide financial income.

If you own the zoo, construction service, or are financing any stunt doubles, disability insurance can keep you from paying disability costs out of your own pocket. Your insurance company will cover any disability welfare that your employees may occur from a dangerous accident.

If you're searching for a disability insurance plan that fits your current situation, check out some of the affordable options available on our website!

• Losing Your License: Since it is illegal to drive without some form of car insurance, you may end up losing your license if you are pulled over or involved in an accident. Depending on your record, the government can confiscate your driver's license for several months or years at a time. Not only can these be inconvenient for your everyday life, but it can also lead to expensive public transportation costs to get to and from work.
• Lawsuit Against You: Driving without New York car insurance can put you at risk of potential lawsuits. If you are the cause of an accident and you severely injure the other driver or passenger, you could be subject for an expensive lawsuit. Now only will you have to pay for their medical bills, but you will also have to pay for any damage to their car.
• Replacing Your Vehicle: A bad accident will often leave your car totaled. However, certain car insurance plans will replace your vehicle, taking the financial burden off of your hands.
• Expensive Medical Bills: Certain insurance packages will also cover any medical costs that incur to you at the time of an accident. Medical bills are often fairly expensive, which will leave you in financial ruins if you don't have a car insurance plan to cover it.

Your bar or venue might have acquired a liquor license, but are you financially protected with any level of Liquor Liability Business Insurance? It's important to protect yourself from any liability that may fall on your place of business through drunk and disorderly behavior, drunk driving accidents, and any property damage or negligence that may occur. If you have owned a bar for quite some time now, you may have realized how rowdy your clientele can get in the later hours of the evening. Protect your financial assets by purchasing a Liquor Liability Insurance plan for your bar, restaurant, or venue.

With around 140 million drivers arrested each year for drunk driving related incidents, there are millions of more drivers getting into expensive accidents. Although the driver will take the brunt of the financial liability, if you allow them to drive home from your bar, you are help accountable as well. Furthermore, if you own a bar or venue, you've no doubt been a victim of property damage and negligence caused by drunken behavior. Either a patron will start a fight and damage your furniture, or they will spill a drink all over your brand new pool table. Whichever the case, avoid any legal issues and financial responsibility by purchasing Liquor Liability Insurance for your drinking establishment.

We've all seen the horror movies where the teenage girl gets stuck in the tanning bed. Although the chance of getting stuck in one of these beds is slim to none, the unfortunate truth is that many salons and hairdressers often deal with egotistical customers who will sue at the sight of a bad tan line or a poorly done haircut. Vanity sometimes gets the best of these customers and they will sue at any chance they get. Furthermore, customers and employees may slip on any excess hair or spilled bottles of barbicide on the ground. These injuries can result in large medical bills that you may have to pay out of pocket unless you are covered by salon insurance.

Trim away your financial risks by purchasing some salon insurance today!

Imagine your chef prepares a dish with an ingredient that your customer is severely allergic to. Or maybe your restaurant gets robbed in the middle of the night, leaving your important business checks, contacts, and files nowhere to be found. Perhaps a customer bites into a piece of fish, only to find a piece of bone that breaks their tooth in the process. Sometimes accidents cannot be prevented in the restaurant industry, and without proper coverage your financial loss may force your company to go out of business. One of the first steps in setting up your restaurant is making sure you are covered for any accident that may occur.

Kenneth Bieber offers comprehensive restaurant insurance packages that can cover anything from a customer slipping on a wet floor to a natural disaster that may leave your storefront in ruins. Check out a number of our other insurance coverages as well, including condo insurance, car insurance, and renters insurance.

Not only will renters insurance protect your personal assets, but many plans will also cover your additional living expenses in the event that your apartment becomes uninhabitable. Furthermore, renters insurance protects you from any injuries that you or your guests may experience while on your property. If you throw a lot of dangerous Brooklyn rooftop parties, renters insurance takes all of the legal responsibility that may occur in the event of an accident or serious injury. Without renters insurance, you're held financially responsible for the safety of your guests.

Additionally, any damage or injury that occurs from your household pet will easily be covered by renters insurance. If your pitbull acts up around new guests, it's probably a good idea to get some rental coverage. Not only will it save you money in future, but it will make you feel more comfortable in your new Brooklyn apartment!

Driving without automobile insurance can result in large fines and eventually the loss of your license. If left unprotected, any accident will result in an average cost of over $1,000 for the driver at fault. Rather than having an insurance agency pay off the cost of your accident, this money will come straight out of your pocket. With an average of more than six million car accidents per year in the U.S., these costs can add up and become a financial burden.

We want you to stay protected not only in your automobile, but in your home and business as well. By staying uncovered, you are constantly taking a financial gamble on your assets. Can you afford to take a risk like that? Make the safe bet by getting a free quote on your New York car insurance today!

new york renters insurance

New York City life is crazy enough as it is, without confusion when it comes to New York renters insurance. The insurance lexicon is vast and can prove overwhelming for those unfamiliar with its various terms, clauses and definitions. That's why we've gathered together all the essential information you need to know in order to make informed decisions when considering policies, premiums and everything in between.

If you're looking for an introduction to the topic of insurance, make sure you pore over our Insurance FAQ, which provides extensive information on everything from condo insurance to auto insurance. On the other hand, if you're generally au fait with insurance but searching for an explanation of a particular term, our Insurance and Homebuyers Glossaries are the only resources you'll need.

Here are some of the top insurance terms you may have heard, but may not quite fully understand:

Indemnity: Benefits of a predetermined amount paid for a loss.

Consideration Clause: Stipulation that states the basis on which an insurer issues an insurance contract.

Utmost Good Faith: The Insured and the Insurer are bound by a good faith of honesty and fairness; all material facts must be disclosed.

Mitigation: In the case of any loss or casualty, the asset owner must attempt to keep loss to a minimum, as if the asset was not insured.