Insurance for Restaurants,
Bars, and Event Spaces
Across Texas.

An intoxicated patron causes harm after leaving your establishment

An overserved guest leaves your bar, gets behind the wheel, and causes an accident. Under Texas's Dram Shop Act, your establishment can be held liable if it can be shown you served someone who was visibly intoxicated and presented a clear danger. A single incident of this type can result in a lawsuit that far exceeds what a basic GL policy covers — which is why liquor liability is separate, required coverage for any business serving alcohol.

A guest slips and falls on your premises

A wet floor, a dark hallway, a loose step, a spilled drink on the dance floor — hospitality businesses have high foot traffic in environments that create real slip-and-fall risk. These are among the most common claims in the industry. General liability covers these incidents, but the frequency in restaurants and bars makes solid limits and proper coverage essential, not optional.

A fight breaks out and someone is seriously injured

Assault and battery coverage is one of the most commonly sub-limited or excluded coverages in bar and nightclub policies — which is also where it's most needed. If patrons get into a physical altercation at your establishment and someone is seriously hurt, your GL may have an assault and battery exclusion or a low sub-limit that doesn't come close to covering the claim. This is a specific coverage gap to address when insuring any high-volume alcohol operation.

A kitchen fire shuts you down for weeks

Restaurant kitchens are high-risk environments for fire. When a fire shuts down your operation — even briefly — the financial impact goes far beyond the property damage. Lost revenue, ongoing payroll, vendor obligations, and the cost of temporary equipment can stack up fast. Business interruption coverage is what bridges that gap while you recover. Without it, the financial weight of a closure falls entirely on you.

An employment claim from a current or former employee

Restaurants and bars are among the highest-risk industries for employment-related claims — wrongful termination, discrimination, harassment, or wage disputes. The hospitality industry's high turnover, tip-based compensation, and often informal management practices create real EPLI exposure. These claims are expensive to defend even when unfounded, and most standard hospitality policies don't include EPLI automatically.

A renter's event causes damage or injury at your venue

If you rent your space to outside groups for weddings, private parties, or corporate events, you carry liability for what happens on your property even during someone else's event. The renter's actions — or a guest's — can create a claim that lands on you as the property owner. Venue owners should require renters to carry their own event insurance and name the venue as additional insured, and carry adequate limits on their own policy to protect against claims that fall through the gaps.

Assuming GL covers alcohol-related incidents

This is the most expensive misconception in hospitality insurance. Standard general liability policies exclude alcohol-related claims. A patron who gets into a fight, an intoxicated guest who causes an accident on the way home, a minor who was served — these are liquor liability claims. Without a separate liquor liability policy, your GL won't pay them.

Assault and battery exclusions or sub-limits in bar policies

Many bar and nightclub policies carry assault and battery exclusions or very low sub-limits — often $100,000 or less — on what is one of the most common and most serious claim types in the industry. A physical altercation that results in serious injury can generate a claim that eclipses those limits easily. We specifically look at how A&B is addressed when reviewing any bar or nightclub program.

No business interruption coverage for a restaurant

A restaurant that can't open is bleeding money every day — lost revenue, ongoing payroll, lease obligations, vendor commitments. A kitchen fire that forces a two-month closure without business interruption coverage is a business-ending event for many operators. This coverage needs to be in place with adequate limits and a restoration period that reflects a realistic recovery timeline.

No EPLI for a high-turnover hospitality operation

Restaurants and bars employ a lot of people, turn them over frequently, and operate in environments where employment-related claims are common. Wrongful termination, discrimination, and harassment claims are expensive to defend even when the claim is without merit. EPLI is rarely included automatically in hospitality policies — it has to be specifically added.

Event venues not requiring renters to carry their own coverage

If you rent your space and a guest at someone else's event is injured, your liability as the property owner can be implicated even though you weren't running the event. Requiring renters to carry event liability insurance and name you as additional insured creates a first layer of protection before your own policy is implicated. Many venues don't systematically enforce this.

Limits that don't reflect the actual alcohol sales exposure

Liquor liability premiums and limits are tied to your alcohol sales volume and the type of establishment you operate. A bar doing significant volume on weekend nights has a very different exposure than a restaurant where wine and beer represent 15% of sales. Coverage needs to reflect the actual operation — minimums set years ago may not hold up against a serious claim today.