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Restaurant Insurance

Owning a Restaurant in the current economic environment means more then being able to prepare a great meal. As the restaurant owner you have many responsibilities outside of the kitchen including making sure that your business is properly protected from the losses that could shut your business down temporarily or permanently.

We at InsurTexas specialize in protecting Restaurant owners from losses as well as making sure when an avoidable loss happens that we get you back up and running as quickly as possible. There are many different type of coverage's and it is our job to make sure that the right package is put together so you can sleep well at night knowing you are protected from anything and everything.

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  • Food Spoilage

    You might have the coverage listed but is it really covered?

  • Outdoor Signage

    Those signs are quite expensive.

  • Off-site Utility Interruption

    Most policies exclude this coverage...it was the MOST common claim filed from IKE and also MOST common denied or underpaid by insurance carriers.

  • Large Loss

    Extended Income & Extended Expense Recovery.

  • Personal Business Property

    Most if not ALL Restaurants we visit are grossly under insured...Kitchen equipment is constantly being upgraded and/or added and not included on your policy.

  • Insurance lining up with Lease Requirements

    We find many Restaurant owners are not fully reviewing the lease requirements on Lease Hold Improvements and at time of loss are left holding the bag.

  • Workers Compensation

    Many restaurants do not have any coverage or have what we call "fake" workers compensation which leaves the owner open to being sued for employee injuries.

  • Employee Vehicles & Company Owned Vehicles

    The business owner is held responsible for what happens when an employee uses their own person vehicle to run an errand for the business.

Having a good restaurant insurance policy can help protect your business when something may happen that would cause a claim. We can help assist you in finding the right coverage for your unique circumstances

NO Restaurant Owner wants to pay for insurance and then find out that when they go to file a claim that it is denied due to an exclusion or endorsement that was not properly applied. There are very few Insurance Agencies or Insurance Agents who specifically specialize in Insuring Restaurants. Do not get caught under insured. Give us a call today! 713-396-5031

  • Upcoming Events

  • Educational Outlet (GHRA)

  • Apr 05

  • Educational Outlet: Growing your Restaurant Concept through Franchising

  • Apr 13

  • NRA Public Affairs Conference

  • May 16

  • Educational Outlet #4- Hurricane Preparation
InsurTexas

800-651-2774
713-850-1621

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