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Insurance for restaurants & bars
Full service, quick service, food trucks, and bars — including liquor liability.
- Usually needed
- Business owner's policy, workers' compensation, liquor liability if you serve alcohol, and equipment breakdown.
- Where claims come from
- Kitchen fires, walk-in cooler failures that spoil inventory, slip-and-falls in the dining room, and burns and cuts on the line.
- Watch out for
- Food spoilage is often a small sublimit that doesn't cover a full walk-in. Check the number before the compressor fails, not after.
- Also relevant
- If you serve alcohol, dram shop exposure in Texas is real and general liability excludes it. Liquor liability is a separate coverage.