At Tabak Insurance Agency, we have more than 25 years of experience working with restaurants just like yours. We use the insider knowledge we’ve gained over the years to help you get the most cost-effective restaurant insurance in Texas. We have trained our agents to look deep into your businesses and risk exposure to understand your current situation and find the opportunities to improve your coverage while lowering your costs. Because Texas establishments may face unique risks like severe weather, liquor liability regulations, and high customer volume, our restaurant insurance plans are tailored to protect your business against the challenges common in the Lone Star State. Contact us today to find out how we can help you.
Get a Custom Plan for Your Texas Restaurant
Every restaurant faces different risks in varying situations, which means you need an insurance plan that can cover your needs in unforeseen circumstances. Our agents are trained to determine which types of insurance will meet your needs and meet any of Texas’s regulations. For your restaurant insurance, we may recommend:
- Commercial Property Insurance: Protect your building in the event of natural disasters or malicious incidents.
- General Liability Insurance: This covers the widest range of potential third-party claims against your restaurant.
- Liquor Liability Insurance: If you serve alcohol on the premises, you will likely require this type of bar insurance in Texas.
- Business Owner’s Policy (BOP): Bundles property and general liability for smaller restaurants, often at a lower cost than buying each policy separately.
We may also suggest workers’ compensation, errors and omissions insurance, and other types if the situation warrants it. Our team can help evaluate your Texas bar or restaurant to determine a suitable coverage option that will offer the protection you need. Texas is the only state that lets most private employers opt out of workers’ compensation. Restaurants that opt out, known as nonsubscribers, can be sued directly by injured employees and lose several legal defenses a workers’ comp policy would preserve. We can walk you through the cost and risk of each path before you decide.
What Texas Restaurant Insurance Protects You From
Texas can sometimes experience inclement weather, including hail, flooding, freezing rain, and other severe conditions. Customizing your restaurant insurance package to meet these needs will help protect your investments long-term. You can obtain coverage for future property damage, equipment loss, and business interruption, which helps prevent extensive financial losses or shutdowns. Business interruption coverage can also replace lost income if your restaurant is forced to close temporarily due to a covered event, helping you continue paying staff and bills while you recover.
Proper restaurant and bar insurance also verifies that you are compliant with Texas laws. Dram shop laws in this area will hold bar and restaurant owners responsible for offering alcohol to a visibly intoxicated person who then goes on to cause harm to another individual. Liquor liability insurance covers damage to another person’s property, such as a car or personal belongings. It can also cover medical costs, including hospital visits, prescriptions, and rehabilitation. Liquor liability insurance is a beneficial coverage type to have, as it offers key legal defense coverage if your establishment is named in a lawsuit. These are just a few of the benefits of having comprehensive restaurant insurance; reach out to our team to learn more about the advantages of a well-rounded coverage plan.
Texas Dram Shop Law and Liquor Liability
The right restaurant liability insurance in Texas also protects you under the state’s dram shop law. Under the Texas Alcoholic Beverage Code, a restaurant can be held liable when staff serve someone who is obviously intoxicated and that person then injures someone or damages property. Liquor liability insurance covers damage to another person’s property, such as a car or personal belongings. It can also cover medical costs, including hospital visits, prescriptions, and rehabilitation, and it pays for your legal defense if your establishment is named in a lawsuit. Reach out to our team to learn more about the advantages of a well-rounded coverage plan.
Texas also offers a safe harbor. If you require your servers to complete TABC-approved seller training, and you don’t directly or indirectly encourage them to break the law, you generally can’t be held liable for an employee’s illegal sale. Pairing TABC certification with liquor liability coverage gives your restaurant two layers of protection.
Work with an Experienced Texas Restaurant Insurance Agency
Getting the right insurance is a key part of running a restaurant in Texas. At Tabak Insurance Agency, we have the knowledge and experience to help you get the coverage you need, whether you’re starting a new restaurant or opening another franchise location. We are committed to helping Texas restaurant owners safeguard their investments, employees, and customers with insurance designed for real-world challenges. Get a quote today and discover how quickly and easily you can insure your restaurant in Texas.
Our office is in Sugar Land, so we work with restaurant owners throughout Houston and the surrounding area, along with restaurants across the rest of Texas.
FAQs
Is restaurant insurance required in Texas?
Texas law doesn’t require one single restaurant insurance policy, but most leases, lenders, and vendor contracts require general liability and property coverage. If you serve alcohol, the state’s dram shop law makes liquor liability coverage a practical necessity.
Do Texas restaurants have to carry workers’ compensation?
Most private employers in Texas can choose not to carry workers’ compensation. Restaurants that opt out become nonsubscribers, which means injured employees can sue them directly and the business loses several legal defenses. Many owners carry it for that reason.
What is the Texas dram shop law?
It is part of the Texas Alcoholic Beverage Code. It allows a restaurant or bar to be held liable when staff serve a customer who is obviously intoxicated and that customer goes on to injure someone. Liquor liability insurance helps pay for claims and legal defense.
Does restaurant insurance cover hail and storm damage in Texas?
Commercial property coverage typically covers hail and wind damage to your building and equipment, and business interruption coverage can replace lost income while you’re closed for a covered repair. Flood damage is usually excluded and needs a separate flood policy.
How much does restaurant insurance cost in Texas?
Cost depends on your location, revenue, seating, how much of your sales come from alcohol, and your claims history. Our guide on how much restaurant insurance costs covers the main factors, and a quote gives you an exact number for your restaurant.
How do I get a restaurant insurance quote in Texas?
Fill out our online insurance questionnaire or call Tabak Insurance at 800-806-0689. An agent will review your restaurant’s risks and recommend coverage.
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