What is restaurant insurance?
From kitchen fires to parking lot falls, restaurants in Texas are exposed to a wide range of risks. Restaurant insurance may help protect against risks such as these.
Restaurant insurance offers tailored coverage that’s specifically designed for restaurants. Most policies offer coverage against both property and liability risks that restaurants face.
Who needs restaurant liability insurance in Texas?
Most Texas restaurants should have restaurant liability insurance. Without insurance, a single accident could lead to financially devastating legal costs.
Restaurant policies typically include both liability and property protections, which also are important. This tends to be the best way for sit-down restaurants to get these protections. For instance, policies are commonly purchased by:
- Steakhouses, seafood restaurants, and other high-end establishments
- Family-friendly restaurants, diners, buffets, and other more casual places
- Pizza places, fast food restaurants, and fast-casual eateries
- Cafes, coffee shops, teahouses, and bistros
For other businesses in the industry, policies such as catering insurance or food truck insurance may be more applicable.