Service Areas for Restaurant Owners in United States

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Restaurant Insurance for Owners

If you own a restaurant, bar, tavern, or food truck, you know the daunting challenges you face. The post-COVID hospitality industry looks nothing like it did in 2019. From out-of-control inflation affecting food prices to the almost impossible task of hiring workers the dilemmas of restaurateurs are unprecedented.

To stay in business you need a low cost restaurant insurance policy. You also need insurance that provides the coverage you need to protect your business. With this, you can have the peace of mind that your business and your financial future is protected, allowing you to focus on providing your diners with the best experience possible.

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We Sell Restaurant Insurance Online in All 50 States!

Alabama (AL)

Alaska (AK)

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Arkansas (AR)

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Texas (TX)

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West Virginia (WV)

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What types of insurance are essential for a restaurant in Texas?

The essential types of insurance for a restaurant in Texas include general liability insurance, workers’ compensation insurance, property insurance, commercial auto insurance (if you have delivery service), liquor liability insurance (if you serve alcohol), and business interruption insurance. Additional coverages such as food contamination insurance and power outage coverage may also be necessary based on your specific business operations.

Is liquor liability insurance required for all restaurants or just those serving alcohol?

Liquor liability insurance is typically required for restaurants that serve alcohol. It’s designed to protect your restaurant from claims resulting from the actions or behavior of intoxicated individuals on your premises. If your restaurant doesn’t serve alcohol, you likely won’t need this type of insurance.

How is the cost of workers' compensation insurance calculated?

The cost of workers’ compensation insurance is typically based on several factors, including the number of employees you have, the type of work they do, and your restaurant’s previous claim history. High-risk industries, like restaurants, may pay more for workers’ compensation insurance due to the increased likelihood of work-related injuries.

What does business interruption insurance cover, and is it necessary for my restaurant?

Business interruption insurance is critical for restaurants. It covers the loss of income your business suffers after a disaster (like a fire or natural disaster) that temporarily forces you to close your doors. This coverage includes the physical damage to your business and compensates for the profits you would have earned during the closure. It’s considered necessary for restaurants because it can help you maintain your financial stability and meet obligations (like payroll and rent) even when your business isn’t operating.

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