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Restaurant Insurance for Major Cities in Texas
The Importance of Restaurant Insurance Across America’s Biggest Cities
Running a Restaurant in Texas: Why Insurance Matters
Texas boasts a booming food scene, ranging from Austin’s barbecue to San Antonio’s Tex-Mex and Houston’s fancy eateries. While the Lone Star State gives restaurant owners great opportunities, it also brings its own set of problems. Tough weather like hurricanes, hailstorms, and floods can stop work, and the busy restaurant setting increases the chance of workplace injuries and liability claims.
Farmer Brown offers custom insurance plans to protect Texas restaurants from these risks so you can focus on making your customers happy.
Full Coverage Choices for Texas Restaurants
Full Coverage Choices for Texas Restaurants| Insurance Type | Purpose | Example | Cost in Texas |
| General Liability | Protects against third-party claims for injuries, property damage, or advertising issues. | Customer slips in a Dallas restaurant, leading to medical costs. | $900 – $2,800/year based on size and location. |
| Workers’ Compensation | Covers medical expenses and lost wages for injured employees (optional in Texas). | A chef in Fort Worth gets burned while cooking. | $0.80 – $3.00 per $100 of payroll, varies by safety measures. |
| Property Insurance | Covers damage to buildings, equipment, and inventory from risks like fires and hurricanes. | Kitchen fire damages equipment in a Houston restaurant. | $2,000 – $10,000/year depending on coverage and location. |
| Alcohol Liability | Guards against claims involving intoxicated customers. | Drunk patron from an Austin restaurant causes a car crash. | $600 – $3,000/year, depending on sales and claim history. |
| Commercial Auto | Covers vehicles used for deliveries or business operations. | Delivery driver crashes while delivering in San Antonio. | $1,500 – $3,200/year per vehicle. |
| Business Owner’s Policy (BOP) | Combines General Liability and Property Insurance for cost efficiency. | Add-ons available for liquor liability and interruption coverage. | Varies; tailored to business needs and risks. |
| Unique Risks | Details |
| Weather Hazards | Hurricanes, hailstorms, and floods, especially near the Gulf Coast. |
| Diverse Cuisine | High food spoilage risk for Tex-Mex, BBQ, and other restaurants with large inventory stocks. |
| Large Scale Operations | Higher risks of lawsuits and property damage due to restaurant size and customer volume. |
Unique Risks for Texas Restaurants
- Diverse Cuisine: Texas eateries, from Tex-Mex joints to BBQ spots often stock up on lots of food. This means they need special insurance to cover food spoilage.
- Large Scale: Some of America’s biggest restaurants call Texas home, which increases the chance of lawsuits and property damage.
- Weather Hazards: Hurricanes, hailstorms, and floods pose big risks, especially near the Gulf Coast.
Why Choose Farmer Brown?
- Made-to-Order Plans: Policies crafted to match your restaurant’s size, place, and offerings.
- Budget-Friendly Prices: Good deals for all kinds of Texas eateries, from cozy cafes to big dining spots.
- Texas Know-How: Our agents are knowledgeable about Texas-specific risks, from state rules to weather problems.
Get Covered Now
Shield your Texas restaurant with solid insurance from Farmer Brown. Call us at (888) 973-0016 or click below to request your free personal quote. Guard your business and dish out meals to your guests without worry!
Why choose FarmerBrown.Com?
If you’re looking for insurance coverage for your restaurant business, look no further than our professional brokerage. We specialize in providing comprehensive coverage tailored specifically to the restaurant industry.
We understand how demanding it can be to run a profitable restaurant, so we offer total insurance solutions to cover all your needs.
With our experienced team, we can help you identify any potential risks and provide the best options to address them.
Don’t let the cost of insurance stop you from protecting your investment. Get reliable and affordable restaurant insurance coverage today!
Common Questions About Texas Restaurant Insurance
Texas law doesn't require Workers' Compensation Insurance, but restaurants should consider getting it to safeguard employees and lower liability risks.
Texas doesn't require Liquor Liability Insurance statewide, but local rules often make it necessary. It also helps protect against lawsuits.
Restaurant insurance in Texas can cost between $1,500 and $10,000 per year. The price depends on things like where the restaurant is how big it is, and what kind of coverage it needs.
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