Restaurant Insurance
From kitchen fires to liquor liability, restaurants face unique risks every day. We provide tailored coverage so you can focus on serving your customers.
Protection for Every Risk
Comprehensive coverages designed for the unique risks restaurants and food service businesses face.
General Liability
Covers customer injuries like slips and falls, foodborne illness claims, and property damage at your restaurant.
Property Coverage
Protects your building, kitchen equipment, furniture, signage, and inventory against fire, theft, and other perils.
Liquor Liability
Essential coverage if you serve alcohol — protects against claims arising from intoxicated patrons.
Workers Compensation
Covers employee injuries common in restaurants — burns, cuts, slips — including medical costs and lost wages.
Food Spoilage
Reimburses you for food and inventory lost due to equipment breakdown or power outages.
Business Income
Replaces lost revenue and covers ongoing expenses if a covered event forces you to temporarily close.
Coverage for All Food Service
Whether you run a fine dining restaurant or a food truck, we understand the risks and can build the right coverage package.
Why Choose Travis Ridge Insurance Group?
- Restaurant-specific policy packages
- Liquor liability included or added easily
- Equipment breakdown coverage available
- Competitive rates from multiple carriers
- Fast certificates of insurance
- Dedicated restaurant insurance specialists
Restaurant Insurance Questions
What insurance does a restaurant need in Texas?
Most restaurants need general liability, commercial property, workers compensation, and business income coverage. If you serve alcohol, liquor liability is essential. Food spoilage and equipment breakdown are also highly recommended.
Do I need liquor liability insurance?
Yes, if you serve, sell, or distribute alcohol. Liquor liability protects you against claims if an intoxicated patron causes injury or property damage after being served at your establishment.
What does restaurant property insurance cover?
It covers your building (if owned), kitchen equipment, furniture, fixtures, signage, food inventory, and other business property against covered perils like fire, theft, storms, and vandalism.
How much does restaurant insurance cost?
Costs depend on your restaurant type, revenue, number of employees, whether you serve alcohol, and your location. We shop multiple carriers to find the best rates for your specific operation.
Protect Your Restaurant Today
Get comprehensive restaurant coverage at competitive rates. Request your free quote today.