The coverage stack, course by course
- Property & tenant improvements — the build-out, the hood system, the kitchen line, the dining room — valued at what it costs to rebuild, not what it cost to install.
- General liability — slips, falls, and everything else that can happen when the public walks through your door every day.
- Liquor liability — if you sell or serve alcohol, this is the policy between one bad night and your business.
- Business income — a kitchen fire closes you for eight weeks; this pays the bills while you rebuild.
- Spoilage & equipment breakdown — the walk-in, the compressors, and everything inside them.
- Workers' compensation — kitchens produce burns and cuts; protect your people and your balance sheet (how it works in Texas).
- Delivery — owned vehicles or staff driving their own cars (hired & non-owned auto).
Full-service, fast-casual, coffee shops, bars, caterers, food trucks — we work the markets that actually like restaurants, and we'll tell you straight what your concept prices like.
Frequently asked questions
What insurance does a Texas restaurant actually need?
The usual core is a package or Business Owners Policy (building or tenant improvements, kitchen equipment, contents, liability, and lost income), plus workers' compensation for staff and commercial auto if anyone delivers. If you serve alcohol, liquor liability comes with the territory — your lease, your contracts, and your own exposure all point the same direction.
Do I need liquor liability if I only serve beer and wine?
If you sell or serve alcohol in any form, the exposure exists and most leases and vendor agreements expect the coverage. It's priced largely on your alcohol sales, so a beer-and-wine spot pays much less than a late-night bar — worth quoting rather than guessing.
My staff delivers in their own cars. Am I covered?
An employee's personal auto policy can deny claims that happen while delivering for pay — and the lawsuit still lands on the restaurant. Hired and non-owned auto coverage closes that gap, and it's inexpensive relative to the exposure.
What about food spoilage when the power goes out?
Standard property coverage often leaves spoilage out unless it's added. Spoilage and equipment-breakdown coverages handle the walk-in full of product and the compressor that killed it — small add-ons that pay for themselves the first time a Texas summer storm takes the grid down.