Food service runs on thin margins and high exposure, slip-and-falls, foodborne illness claims, kitchen fires, equipment breakdowns, and liquor liability all sit on the menu. We insure restaurants, bars and grills, fine dining spots, cafés, caterers, and food trucks across New Braunfels, San Antonio, and the Texas Hill Country, with coverage tuned to how you operate, including spoilage and liquor liability where you need it, so one bad night doesn’t close your doors.
Risks food service businesses face
- Customer slip-and-fall and foodborne illness claims
- Kitchen fires and equipment breakdown
- Liquor liability for businesses that serve alcohol
- Spoiled inventory after a power or equipment loss
- Employee injuries in a fast-paced kitchen
Coverage we recommend
General Liability Insurance
The foundation of business protection, covering third-party injury, property damage, and the claims that come with doing business.
Learn more →Commercial Property Insurance
Protect the building, equipment, inventory, and tools your business runs on, from fire, theft, storms, and more.
Learn more →Workers’ Compensation Insurance
Protect your employees and your business when someone gets hurt on the job, with coverage shopped across Texas’s top comp carriers.
Learn more →Why restaurant insurance isn’t optional
One incident can undo a good year. A guest slips on a freshly mopped floor, a fryer flares up before the hood suppression catches it, a walk-in cooler dies over a long weekend, or a patron who had one too many gets behind the wheel after last call. Any one of these can become a claim large enough to drain your cash, or close your doors, and most aren’t covered by a personal policy or a bare-bones package. Texas doesn’t require most of this coverage, which is exactly why so many owners find the gap the hard way. We build a program so a bad night is an inconvenience, not the end of the business.
Built for the realities of a busy kitchen
Food service runs on thin margins and constant motion, and the risks reflect that: a slip on a wet floor, a flare-up on the line, a cooler that fails overnight, or a liquor-liability claim after close. We tailor your program to how your spot actually operates, dine-in, takeout, catering, or a food truck, and add the pieces that matter most, like spoilage, equipment breakdown, and liquor liability, so one bad night doesn’t put you out of business. It all ties together with general liability, commercial property, and workers’ comp under one agency.
What your coverage protects
Your guests
Slip-and-falls, foodborne-illness claims, and other customer injuries, including the legal defense, are covered by your liability policy.
Your building & kitchen
Fire, smoke, storm, and water damage to your space, hood system, ovens, and equipment, repaired or replaced so you can reopen.
Alcohol service
Liquor liability protects you from claims tied to an intoxicated patron, essential for any bar, grill, or restaurant that serves.
Spoiled inventory
When a cooler or freezer fails, spoilage and equipment-breakdown coverage pays for the food you lose instead of you eating the cost.
Your crew
Workers’ comp covers medical bills and lost wages when a cook, server, or dishwasher gets hurt on a fast-paced line.
Lost income
If a covered fire or storm shuts you down, business-interruption coverage replaces the revenue while you rebuild.
Every food service business is different. Tell us how yours runs and we’ll shop 15+ carriers for the right coverage. Request a free quote or call 830-387-4032.