Don’t Overlook These Vital Types Of Restaurant Insurance

Restaurant Insurance

You put a lot of hard work into growing your restaurant. As you undoubtedly know, running a successful restaurant involves a lot more than just having good food. It takes business know-how. In fact, some of the most important aspects of running a successful eatery are handled in the back office, far away from the kitchen and dining room.

That’s why restaurant insurance is so important. It’s a necessary element that protects all of the hard work and investment that you’ve put into building your establishment. With the right restaurant insurance policy, you don’t have to worry about getting bankrupted by a lawsuit from a customer who got sick from a meal. You don’t have to panic about replacing broken kitchen equipment. And you don’t have to stress about claims or lawsuits stemming from an employee who slips and falls in the kitchen. Restaurant insurance protects you and your investment so you don’t lose everything you’ve worked so hard to create.

As experienced agents providing restaurant insurance in Houston, we can tell you that restaurant insurance isn’t a one-size-fits-all kind of policy. There are many different types of protection that can go into a restaurant insurance policy, so it’s important to make certain that your plan truly provides your business with the complete protection it needs. Beyond the obvious things like general liability insurance and property coverage, there are some often overlooked types of coverage that get overlooked by restaurant owners.

With that in mind, here are some of the lesser known, but equally important types of insurance you should look for when shopping for restaurant insurance in Texas.

  • Liquor liability insurance—If your restaurant serves alcohol, you need to make sure you have liquor liability coverage as part of your restaurant insurance policy. No ifs, ands, or buts about it. There are serious inherent risks that come with serving alcohol, exposing your establishment to potentially huge lawsuits. For example, if a patron has a couple of drinks, drives home, and causes an accident, your restaurant could be facing a big lawsuit from any of the parties involved. Liquor liability insurance protects your business against such legal liability.
  • Food contamination insurance—In a restaurant, food contamination or spoilage are constant risks. When dealing with perishable goods that have a limited shelf life, there’s always the chance that the food can spoil or get contaminated, which could put your customers and your employees at serious risk. This type of restaurant insurance coverage can help protect your business if you unintentionally sell contaminated food that makes a customer sick. Furthermore, if a storm or loss of power causes your fridge and freezers to shut off and ruins your food, this insurance can help pay to replace the spoiled food.
  • Valet parking insurance—Does your restaurant offer valet parking? If so, you need to get valet parking coverage as part of your restaurant insurance policy. Remember, accidents can and do happen at any time. This type of coverage will protect your business in the event that your valet causes damage to a customer’s vehicle.
  • Equipment breakdown insurance—Your kitchen relies on its ovens, stoves, refrigerators, freezers, and other appliances to run properly. Likewise, your business uses credit card machines and payment processing terminals to handle customer tickets. What would happen if a vital piece of equipment were to breakdown? With equipment breakdown coverage as part of your restaurant insurance policy, you can be protected against various types of damage to your equipment, such as motor burnout, power surges, and mechanical breakdowns.

Does your restaurant insurance policy truly protect your business? If not, talk to the experts at Food & Beverage Insurance Agency. We specialize in restaurant insurance in Houston and all across the state of Texas. For more information about restaurant insurance in Texas, visit our site at

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