Permits and Licenses

Permits and Licenses 

At the heart of a thriving business lies the proper adherence to legalities and protection through insurance coverage. Be sure to secure the necessary permits, licenses, and insurance for your business. Some might have additional costs. Some license, permits and insurance to consider include:

• Liquor License
• Cottage Food licensing
  
• Business License in NYC: $100-$200 
  
• Certificate of Occupancy
  
• Food Protection Certificate: $24-$114
  
• Food Seller’s Permit
  
• Food Service Establishment Permit: *$280.00, plus $25.00 if you will manufacture a frozen dessert 
  
• Stoop Line Stand License: $20-$160 per stand
  

City Health Departments

City health departments oversee food safety, conducting inspections, and issuing vital permits and certifications. They ensure businesses meet hygiene standards, offer guidance, and provide essential resources. Collaborating with them ensures legal compliance and prioritizes customer health, laying a strong foundation for any food-based venture.

Health department permits:

• Inspection (food storage, preparation, serving)
• Maximum occupancy, fire hazards, ventilation, food surface, types, sink placement, restroom, regulations, etc.
  

 Insurance coverages: 

• Restaurant Insurance: Tailored coverage safeguarding your establishment against various risks, including property damage, liability claims, and business interruption
• Property Insurance: Protects physical assets, such as buildings and equipment, from unforeseen events like fire, theft, or natural disasters
  
• General Insurance: Provides broad protection against a range of liabilities, covering potential legal and financial obligations
  
• Liquor Insurance: Specifically designed to address liabilities associated with the sale and service of alcoholic beverages
  
• Auto Insurance: Essential coverage for business-owned vehicles, ensuring protection in cases of accidents or damages
  
• Workers' Compensation Insurance: Mandatory coverage for employee injuries or illnesses sustained during work, providing medical benefits and wage replacement
  
• Unemployment Insurance: Helps provide temporary income to eligible workers who lose their jobs through no fault of their own
  
• Life Insurance: Offers financial protection to employees' beneficiaries in the event of an employee's death
  
• Fire Insurance: Protects against damages caused by fires, covering rebuilding costs and loss of income during reconstruction
  
• Loss of Business Insurance: A safety net against unexpected disruptions that result in loss of revenue or operational capability
  
• Food Contamination Insurance: Specifically tailored to mitigate financial losses due to food spoilage or contamination incidents
  

Ensuring compliance with these permits, licenses, and comprehensive insurance coverage not only meets legal requirements but also provides a safety net, shielding your business from various potential risks.