Restaurant insurance in Dallas
A restaurant has guests, hot kitchens, costly equipment and a business that stops when the doors close. Each of those points leads to a different policy question.
What sets this work apart
Guests and the food you serve
A guest who slips or gets sick from food can bring a claim. General liability is the usual starting point. If you serve alcohol, ask separately about liquor liability, since general liability policies may exclude it.
Kitchen equipment and closures
TDI lists boiler and machinery coverage for equipment such as steam cookers and water heaters. It also describes business interruption and extra expense coverage for lost income after damage.
Source: Texas Department of Insurance: Commercial property insurance guide
Delivery and food trucks
Delivery drivers and food trucks raise vehicle questions. TDI notes commercial auto can cover food trucks. Staff using their own cars for delivery is a separate topic to raise.
Source: Texas Department of Insurance: Commercial property insurance guide
Coverage to talk through
- General liability
- Guest injuries and claims linked to food you serve.
- Commercial property
- Kitchen equipment, furniture, stock and closures.
- Workers’ compensation
- Burns, cuts and falls among kitchen and floor staff.
- Cyber liability
- Card payments and online ordering systems.
- Business owners policy
- A possible package for smaller places, if the insurer allows it.
What an insurer may ask you
- Seats, hours and whether you serve alcohol.
- Share of sales from alcohol, if any.
- Kitchen equipment list and fire suppression details.
- Whether you deliver, cater or run a food truck.
- Number of staff and yearly payroll.
Questions owners ask
Does general liability cover alcohol related claims?
Often not. Ask about liquor liability as its own topic if you sell or serve alcohol.
What if a fire next door forces us to close?
That depends on the policy terms. Ask how business interruption and extra expense coverage treat damage that is not on your own property.
Is a food truck covered by my restaurant policy?
Do not assume it is. TDI notes that commercial auto can cover food trucks. Bring the truck details to the conversation.
Source: Texas Department of Insurance: Commercial property insurance guide
Policy terms, exclusions and eligibility control what is covered. Talk through your needs with a licensed agent before you rely on any policy.