Saxon Insurance Agency

Restaurant Insurance in Texas

Texas businesses can get high-quality Restaurant Insurance from the Saxon Insurance Agency. Get a quote today!

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Saxon Insurance Agency

Learn more about Restaurant Insurance

The Saxon Insurance Agency provides restaurant coverage to businesses in Texas.

Restaurant Insurance Texas

What is restaurant insurance? 

Opening a restaurant requires a noticeable investment, and that investment should be protected when possible. Restaurant insurance can help Texas restauranteurs shield their businesses from a host of risks.

Restaurant insurance offers tailor-made coverages for sit-down eateries. Coverages can protect against a wide range of property and liability risks that these establishments face.

What Texas eateries are restaurant policies right for?

Restaurant policies are primarily for sit-down dining establishments. Traditional restaurants, family dining, fine dining, cafes, bistros and buffets in Texas might all purchase these policies.

Other food services businesses that don’t offer sit-down dining will likely find that a similar, but different, insurance better meets their needs. Caterers probably want catering insurance, food trucks probably should have food truck insurance, and there are more options.

Restaurant Insurance Texas

What restaurant liability insurance coverages should restaurants look for?

Restaurant operations create multiple potential liability risks. Some restaurant liability insurance coverages that might be needed are:

  • General Liability Coverage: Usually insures against common accidents, such as slips and falls, when customers, vendors or other third parties are injured. Frequently also applies to libel or slander claims against the business.
  • Liquor Liability Coverage: Usually insures against liabilities where the restaurant might be held responsible due to over-serving alcohol. May cover assaults, sexual assaults, slip and fall accidents, alcohol poisonings and DUI accidents.
  • Product Liability Coverage: Usually insures against liabilities where the restaurant may be responsible for foodborne illness outbreaks. May apply in cases of severe illness, proper medical care is needed.
  • Umbrella Liability Coverage: Usually insures against claims surpassing the maximum limit of another restaurant liability insurance coverage, providing an extra layer of protection.

What property insurance coverages should restaurants look for?

Property insurance coverages generally protect specified assets against damage and loss. Restaurants have many things to protect, and thus often get multiple property coverages:

  • Commercial Building Coverage: Typically covers a restaurant’s building, along with any patio or outdoor seating area.
  • Tenant’s Betterment Coverage: Typically covers the changes a restaurant makes to a leased space, including kitchen, dining and other areas.
  • Commercial Contents Coverage: Typically covers the many different items a restaurant has, such as appliances, storage racks, cookware, tableware, decor, furniture and more. May also cover ingredients in stock.
  • Food Contamination Coverage: Typically covers potential spoilage of raw ingredients and prepared dishes, if they go bad due to a covered event. May cover disasters, power outages and other events.
Restaurant Insurance Texas

Does a restaurant policy provide coverage for special events? 

Coverage for special events hosted within the restaurant premises, such as parties or corporate gatherings, is included in many restaurant policies. A few policies might not cover these sorts of events, though.

Restaurants that frequently host events can work with a knowledgeable insurance agent to find proper coverage. An agent specializing in restaurant policies will be familiar with the different coverage terms that apply to events.

How much does it cost to insure a restaurant?

The premiums that restaurants pay are affected by various factors, often including the restaurant’s location, size, menu offerings, operational hours, past claims and other details. This results in premiums varying from one restaurant to the next.

An easy way to find out how much insuring a particular restaurant will be is to consult an independent insurance agent. An independent agent will be able to request customized quotes from several insurance companies, showing how much each company will charge for the given restaurant.

Saxon Insurance Agency

How can restaurants in Texas get restaurant insurance policies? 

If you need insurance for a restaurant that’s in Texas, contact the independent insurance agents at Saxon Insurance Agency. We’ll make sure to find a restaurant insurance policy that’ll protect your sit-down restaurant well.

Contact the Saxon Insurance Agency today!