Ramey King Insurance
Restaurant Insurance in Texas
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What is restaurant insurance?
Restaurants are complex businesses with many different operations, and that equates to complex businesses with numerous different risks. Restaurant insurance can help Texas eateries shield themselves from many of the risks they're exposed to.
Restaurant insurance provides specialized commercial insurance for dine-in eateries. Policies come with multiple property and liability coverages, ensuring robust protection.
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What Texas businesses should purchase a restaurant policy?
Most Texas restaurants that offer dine-in eating should carry this insurance. Failing to insure leaves businesses exposed to major risks, and restaurant policies tend to be best for dine-in eateries.
Other eateries may have similar protection needs, but not quite identical needs. Food trucks, bars, caterers and others are likely better suited by a slightly different policy that's specifically designed for their types of business.
Typical Coverages
What restaurant liability insurance coverages do restaurant policies carry?
Restaurant liability insurance primarily protects against situations where an eatery could be held responsible for personal injury, property damage or some other harm. Several different restaurant liability insurance coverages may be available through a policy:
- General Liability Coverage: Might insure against basic accidents occurring on a restaurant's property
- Liquor Liability Coverage: Might insure against accidents and other incidents involving intoxicated patrons
- Product liability Coverage: Might insure against illnesses that improperly prepared foods and beverages cause
- Umbrella Liability Coverage: Might provide additional restaurant liability insurance coverage for expensive claims
For covered claims, liability insurance normally helps pay attorney fees, court fees and settlements. Payment typically begins before a case is settled.
What restaurant property insurance coverages do restaurant policies carry?
Restaurant property insurance primarily protects assets that an eatery owns. These can be major assets such as buildings, or lesser assets such as food. What's covered depends on the specific restaurant property insurance coverage:
- Commercial Building Coverage: Might insure buildings and other structures that a restaurant owns
- Tenants Betterment Coverage: Might insure improvements that a restaurant makes to its leased kitchen and dining areas
- Commercial Contents Coverage: Might insure non-permanent fixtures and equipment, such as tables, POS systems, and kitchen shelves
- Food Contamination Coverage: Might insure ingredients, prepared foods and prepared drinks against disaster-caused contamination/spoilage
The particular perils that restaurant property insurance covers are determined by a policy's terms, conditions and exclusions.
Typical Coverages
Should restaurants carry auto insurance?
Restaurants may need some form of auto insurance for a variety of reasons. The particular type of restaurant auto insurance that's needed depends on how restaurants use vehicles:
- Restaurateurs who drive personal vehicles for picking up supplies/making deliveries may need a commercial endorsement on their personal auto policy
- Restaurants that have employees make deliveries (e.g. pizza places) may need hired and non-owned auto coverage, which normally provides liability coverage for vehicles that a business uses but doesn't own
- Restaurants that have delivery trucks (e.g. bakeries) may need standard commercial auto insurance
- Restaurants that take food trucks for off-site events may need food truck insurance in addition to their restaurant policy
- Restaurants that cater off-site events may need catering insurance in addition to their restaurant policy
An insurance agent who specializes in restaurant policies can help eateries find the right type of auto insurance for them.
How much are the premiums for restaurant policies?
Premiums for restaurant policies vary. A restaurant's location, size, foods/beverages served, and past claims history are just some of the items that can impact cost. An independent insurance agent can help restaurants compare quotes from different insurance companies, to see which offers the best coverage and price.
How can Texas eateries get restaurant insurance?
For help insuring a Texas restaurant, contact the independent insurance agents at Ramey King Insurance. Our agents are well-versed in restaurant insurance, and ready to help you find the coverages your eatery requires.
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