Restaurant Insurance

What is Restaurant Insurance?

General Liability Insurance (Restaurant Liability)

​Just like regular business liability insurance, a restaurant liability insurance policy covers the restaurants against lawsuits and medical costs arising from the injury of someone while on the premises. 

Other Liability Coverages

Here are some different liability coverages a restaurant may need.
  • Liquor Liability: General liability policies exclude claims for bodily injury or property damage for which you may be held liable if you caused or contributed to someone's intoxication through the sale or service of liquor. If your restaurant sells or serves alcoholic beverages, you'll need to purchase liquor liability insurance.
  • Spoilage: Food stored in refrigerators or freezers may spoil if cooling equipment breaks down or shuts off due to a power outage. You can insure your restaurant against costly spoilage losses by purchasing
  •  Equipment Breakdown: Many restaurants depend on machinery like steamers, boilers, ovens, refrigerators, freezers, ice makers, and food warmers. This equipment can be damaged by a steam explosion or by an electrical or mechanical breakdown. To cover such damage, you need equipment breakdown insurance. The latter can be extended to include loss of income, extra expense, and spoilage coverages.
  • Electronic Data Processing: Most restaurants use computers to create, store, send, and receive electronic documents. Some use electronic table ordering systems. Most property policies afford minimal coverage for electronic data and equipment so you should consider buying electronic data processing coverage.

Business Property Insurance

A business property insurance policy can protect your restaurant against damages to your property from fire, earthquakes, vandalism, theft, storms, and accidents. The property includes more than just the building; it can include outdoor signage, fencing, furniture, or inventory.
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While business property insurance, you’ll still want to have additional coverage for the special equipment in case of power surges, mechanical breakdowns.

Business Auto Insurance

​Business auto insurance policies for owned autos and if the restaurant does not have owned vehicles, then Hired and Non-Owned auto liability will provide protection for the restaurant in case your employee needs to run out and pick up supplies or go to the post office and gets into an accident. 

Business Interruption Insurance

​Also known as loss of income insurance, business interruption insurance helps keep you 
in business when unexpected events occur. If the unthinkable does happen and your 
entire business is destroyed, you will still need to pay the bills, including paying employee 
wages, rent or mortgage, suppliers, taxes. 

Worker’s Compensation

​Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. 
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Fort Worth, TX 76140​
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