General Liability
Covers third-party bodily injury or property damage — including the slip-and-fall claims dining rooms see most often.
Scenario: a customer slips on a wet floor near the entrance
One bad night in the kitchen shouldn't be the end of the business.
Fires, spoilage, slip-and-falls, and staffing risk are part of running a restaurant. We help Texas restaurant owners put coverage in place before one of those nights happens.
Coverage lines
What we typically put in place for restaurants
Every kitchen and dining room is different — this is the starting checklist, not the finished policy.
Commercial Property
Covers your building (if owned) and its contents — kitchen equipment, furniture, inventory — against fire, storm, and other damage.
Scenario: a kitchen fire damages equipment and forces a closure
Liquor Liability
If you serve alcohol, this covers claims tied to an intoxicated guest — often required separately from general liability.
Scenario: an over-served guest causes an incident after leaving
Equipment Breakdown
Covers repair or replacement when a walk-in cooler, oven, or other essential equipment fails unexpectedly.
Scenario: a walk-in cooler fails overnight, spoiling inventory
Workers' Compensation
Covers medical costs and lost wages if a kitchen or floor employee is injured on the job.
Scenario: a line cook is burned during a dinner rush
Business Interruption
Replaces lost income if a covered event forces you to close temporarily — the gap most owners don't realize exists until it's needed.
Scenario: fire damage closes the restaurant for repairs
Next step
Not sure what you're missing?
Send over your current policy or just tell us how your operation runs — we'll flag the gaps in about 15 minutes.
Get a coverage checkup