Restaurant Insurance in Dallas
GL, property, liquor liability, workers comp, and business interruption for Dallas restaurants, bars, and food service businesses.
Insurance Coverage Restaurants Need in Dallas
General liability for customer slip-and-fall claims. Commercial property for your kitchen equipment, fixtures, and buildout. Liquor liability if you serve alcohol (required by Texas dram shop law). Workers comp for kitchen burns, cuts, and slips. Business interruption for fire or storm closures.
Dallas Restaurant Industry Risks
Kitchen fires are the #1 property claim. Slip-and-fall is the #1 liability claim. Liquor liability creates dram shop exposure with every drink served. Dallas health department inspections can trigger closures. Food spoilage from power outages during Texas storms costs thousands.
What Restaurant Insurance Costs in Dallas
Small cafe or food truck: $3,000 to $5,000/year. Full-service restaurant ($1M revenue): $8,000 to $15,000. Bar or nightclub: $15,000 to $30,000+. Revenue, alcohol percentage, and seating capacity are key factors.
"We opened a second location in Bishop Arts and needed GL, property, liquor liability, and workers comp bundled into one program. Our agent handled everything. Simple."
Frequently Asked Questions
Still have questions? Call us at (214) 555-0100 or request a free quote.
Yes. If you have a TABC permit and serve alcohol, you need liquor liability insurance. Texas dram shop law makes you liable for injuries caused by patrons you over-serve.
Yes. Commercial property covers your kitchen equipment, furniture, fixtures, and improvements. Make sure your limits reflect replacement cost.
Food trucks need commercial auto, general liability, and possibly property coverage for equipment. We write food truck programs starting around $3,000/year.
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