Restaurant Insurance Texas

Restaurant Insurance in Texas

Texas Roots. National Reach. Real Coverage. Learn more about our Restaurant Insurance policies. From coast to coast, we help individuals and businesses protect what matters most.

Get a Restaurant Insurance quote from our Texas experts


Dagley Insurance

Restaurant Insurance in Texas

What is restaurant insurance?

Restaurant insurance is a type of business insurance designed specifically for restaurants to protect them from financial losses due to accidents, property damage, lawsuits, or other risks. It typically includes general liability coverage, property insurance, and other specialized policies tailored to the needs of food service businesses. In Texas, restaurant insurance is vital because it protects you from legal claims and unexpected incidents that could disrupt your business or lead to costly damages.

Restaurant Insurance Texas

What does restaurant insurance cover?

Restaurant insurance in Texas provides a range of coverages to protect your business from different risks. Here are the most common types of coverage included in a restaurant insurance policy:

  1. General Liability Insurance: Protects against third-party injuries, property damage, and lawsuits. For example, if a customer slips and falls in your restaurant, it covers medical expenses and legal costs.
  2. Commercial Property Insurance: Covers physical assets like your building, furniture, and kitchen equipment against damage from fire, theft, vandalism, or natural disasters.
  3. Restaurant Liability Insurance: A specialized form of liability insurance covering foodborne illnesses, customer injuries, and other restaurant-specific risks.
  4. Business Interruption Insurance: Helps cover lost income and operating expenses if your restaurant has to close temporarily due to covered events like fire or natural disaster.
  5. Liquor Liability Insurance: Covers claims arising from alcohol-related incidents, such as over-serving a customer who causes an accident.
  6. Workers’ Comp Insurance: Pays for medical expenses and lost wages if an employee gets injured on the job.
  7. Equipment Breakdown Insurance: Protects against the cost of repairing or replacing essential kitchen equipment like ovens, refrigerators, or dishwashers if they break down unexpectedly.

Get a Quote

Provide us with your details, and we'll create a personalized quote designed specifically for your Restaurant Insurance needs.


Restaurant Insurance Texas

Does restaurant insurance cover incidents related to foodborne illnesses?

Yes, restaurant insurance often includes coverage for foodborne illnesses under general liability or product liability insurance. This coverage protects the restaurant if customers claim they became ill due to contaminated or improperly handled food. However, it’s essential to review the policy terms, as some insurers may require adherence to specific food safety standards for coverage to apply.

  • Standard restaurant insurance policies typically do not automatically cover food delivery services. Restaurants that offer delivery, whether through their own employees or third-party services, may require additional coverage to ensure proper protection. For instance, hired and non-owned auto liability insurance is essential, as it covers accidents or claims arising from vehicles used for deliveries. If a delivery vehicle is involved in an accident, this coverage can help pay for damages and legal fees, particularly if the vehicle is not owned by the restaurant.

  • Yes, restaurant insurance can cover private parties or catering events, but additional coverage or endorsements may be necessary to fully protect the business. Standard restaurant insurance policies typically focus on risks associated with the day-to-day operations within the restaurant itself. As a result, these policies may not automatically cover off-site events or activities that go beyond normal restaurant operations, such as catering or private parties hosted at external locations. For restaurants that frequently cater events or host private parties, it’s important to add specialized catering liability coverage or an event-specific endorsement to the policy. This ensures that the business is covered in the event of accidents, property damage, or injuries that occur during off-site events.

  • Yes, many restaurant insurance policies offer optional coverage for food spoilage and equipment breakdown. Food spoilage coverage reimburses losses from power outages or equipment failure, while equipment breakdown coverage addresses repairs or replacements for essential machinery like refrigerators or ovens. Restaurants should ensure these coverages are included in their policy for comprehensive protection.

  • Several factors influence the cost of restaurant insurance, including:

    1. Type of restaurant: Fine dining establishments may face higher premiums than small cafes or fast-food outlets due to higher risks and larger liabilities.
    2. Size of the business: The square footage of your restaurant and the number of employees can impact costs. Larger establishments often pay more for coverage.
    3. Revenue: Higher annual revenue typically means higher premiums, as insurers view larger operations as carrying more risk.
    4. Coverage limits: The more coverage you need, the higher your premium will be. Selecting higher liability limits or comprehensive coverage will increase costs.
    5. Location: If your restaurant is in a high-crime area or a location prone to natural disasters, your insurance premiums may be higher.
    6. Claim history: A history of frequent insurance claims can lead to higher premiums, as insurers view your business as higher risk.
    7. Specialized risks: Restaurants that serve alcohol, offer delivery services, or use expensive equipment may require additional coverage, which increases costs.

How can businesses get restaurant liability insurance in Texas?

Reach out to the independent agents at Dagley Insurance Agency for a fast quote on restaurant insurance in Texas, and take the first step toward safeguarding your business. Whether you need general liability coverage, property insurance, or a fully customized policy, our experienced team understands the unique risks faced by restaurants and can tailor a plan to fit your needs. Protect your investment, comply with industry standards, and gain the peace of mind that comes with knowing your business is covered. Contact Dagley Insurance Agency today to explore your options and secure the future of your restaurant.

Get a Quote

Share your details with us, and our team of friendly agents will be in touch with you soon!