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 Texas restaurants, bars, cafés, caterers, and food trucks 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 →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.
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.