Restaurant Insurance in Texas

What is restaurant insurance? 

Every restaurant owner knows how complex their businesses are, and that complexity creates a variety of risk exposures. Restaurant insurance can help Texas restaurants protect themselves from many of the diverse risks they face.

Restaurant insurance provides customized coverages for sit-down and other eateries. Policies can come with a range of property and liability protections, and are often customizable.

What Texas food service businesses are restaurant policies for?

Restaurant policies are mainly for sit-down dining establishments, although policies usually can cover other types of service. Most sit-down eateries in Texas should have a policy. For example, these policies are commonly purchased by:

• Fine dining restaurants
• Family restaurants
• Fast casual restaurants
• Buffet restaurants
• Steakhourses
• Cafes and bistros

There are still many more examples of sit-down establishments that would likely find this type of policy useful.

Notably, however, restaurant policies might not be the best choice for other types of businesses within the food service sector. Food trucks, caterers and bars might all find that there are slightly better  policy options more tailored for their particular needs.

An insurance agent specializing in food service coverages can help businesses determine whether a restaurant policy or other policy would be best for them.

What restaurant liability insurance coverages should restaurants get?

The exact coverages that any business needs depend on that business’s particular risk exposure and situation. Nonetheless, there are a variety of common restaurant liability insurance coverages that many establishments may want:

Restaurants should consider multiple liability insurance coverages to shield themselves from potential legal complications. Various types of liability coverages that should be considered include:

What property insurance coverages should restaurants look for?

There are several property insurance coverages that could be important to restaurants. These coverages help protect different assets and items a restaurant has:

• Commercial Building Coverage: May protect restaurant-owned buildings, kitchen and front-of-house equipment, and other items at a restaurant
• Commercial Contents Coverage: May protect non-permanent equipment and items, such as dishware, cookware, appliances, indoor and patio furniture, POS systems, and more.
• Tenant’s Betterment Coverage: May protect the enhancements and upgrades made to a restaurant’s leased space. Could cover build-outs for the front of house, kitchen, office and other spaces.
• Food Contamination Coverage: May protect ingredients and prepared meals against spoilage due to specifically covered incidents. Could cover spoilage resulting from natural disasters, power outages or other causes.

Do restaurant policies cover special events hosted at a restaurant? 

Many restaurants extend their restaurant liability insurance coverages to special events, such as rehearsal dinners, receptions, holiday parties and awards ceremonies, that restaurants host. A few policies might exclude such private events from their liability protections, though.

Restaurants that need coverage for events like these can work with a specialized insurance agent, to find a policy that does extend protection.