Restaurant & Bar Insurance.
Coverage guidance for restaurant properties, hospitality spaces, and food-service buildings.
About Restaurant & Bar Insurance
Restaurants and bars face specific risks, from cooking equipment to liquor liability to high foot traffic. We help Texas restaurant property owners understand their coverage options.
Common Risk Exposures
Fire Exposure
Cooking operations create elevated fire risk.
Liquor Liability
Claims related to the service of alcohol may require specific coverage.
Equipment
Specialized kitchen equipment represents a significant investment.
High Foot Traffic
Increased liability exposure from patrons and deliveries.
Relevant Insurance Coverage
Coverage options commonly considered for restaurant & bar insurance.
Things to Think About
Liquor Liability
Businesses that serve alcohol may need specific liquor liability coverage.
Grease Traps and Hoods
Kitchen exhaust systems may have specific coverage and maintenance requirements.
Spoilage
Coverage for spoiled food and beverages may be available.
What type of property?
Select the property type that best describes your building.
Restaurant & Bar Insurance Questions, Answered
Kitchen equipment is typically covered under business personal property insurance. We help you determine appropriate coverage amounts.
Businesses that serve alcohol may need liquor liability coverage in addition to general liability. We help you understand your exposure.
Spoilage coverage may be available to help protect against the loss of food and beverages due to equipment breakdown or power outage.
Ready to Explore Your Options?
Start with a few details about your property and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Property Insurance to discuss your specific situation and available options.