Coverage Specialty
Restaurant Insurance
in TX, NC & SC
Food service businesses face risks that most commercial policies were not designed for — liquor liability, equipment failure, food spoilage, and high employee turnover. We are an independent agency with access to 30+ carriers, so we can find coverage that fits your operation. Tell us about your business and we will come back with options, usually within 24–48 hours.
What Restaurant Businesses Typically Need
Every food service operation is different. Here are the coverages we most commonly place for restaurants in TX, NC & SC.
General Liability
Covers third-party bodily injury and property damage claims — slip-and-falls, customer injuries, and damage arising from your operations. Essential for every food service business.
Liquor Liability
If you serve alcohol, you need it. Covers claims arising from alcohol-related incidents involving your customers. Required by many landlords and event venues.
Commercial Property
Covers your building, equipment, furniture, and inventory against fire, theft, vandalism, and other covered perils. Includes tenant improvements if you lease your space.
Workers' Compensation
Restaurant kitchens are high-injury environments. Workers' comp covers medical expenses and lost wages for employees hurt on the job — and protects you from related lawsuits.
Food Spoilage & Equipment Breakdown
Covers spoiled inventory when refrigeration fails and the cost to repair or replace commercial kitchen equipment. One equipment failure can shut down a kitchen for days.
Business Interruption
Replaces lost income if a covered loss forces you to close temporarily — fire, storm damage, or equipment failure. Helps cover payroll and fixed expenses while you rebuild.
Why Food Service Businesses Choose an Independent Agency
- Access to 30+ carriers — we shop your account across markets that actually write food service risks.
- Experience with hard-to-place operations — new restaurants, prior claims, and businesses that serve alcohol are placements we handle.
- Fast turnaround — tell us about your operation and we'll come back with options, usually within 24–48 hours.
Who We Work With
- Full-service restaurants
- Fast casual and counter-service concepts
- Food trucks and mobile food vendors
- Catering operations
Restaurant Insurance Questions
Do I need liquor liability if I only serve beer and wine?
Yes. Any alcohol service creates exposure. Many landlords and event venues require it, and a claim without it can be financially devastating.
Can you insure a new restaurant with no prior coverage history?
Often yes. New operations are a common placement for us. We'll tell you your options up front.
Do you insure food trucks?
Yes. Food trucks have unique coverage needs — commercial auto, general liability, and equipment coverage — and we can package them together.
How fast can I get a certificate of insurance?
Same day in most cases.
Get a Restaurant Insurance Quote
Tell us about your operation and we'll come back with options from 30+ carriers — GL, liquor liability, property, and more.