Restaurant Insurance in Texas

Restaurant insurance is a package of commercial coverages that protects your Texas restaurant’s building, kitchen equipment, food inventory, and liability for injuries or property damage tied to cooking, serving, and running the premises. It does not cover intentional illegal acts, ordinary wear and tear, employee injuries handled under workers’ compensation, or flood losses when flood coverage is not written on the policy.

Texas restaurants face concrete threats: hail and wind that tear up roofs and outdoor seating, kitchen grease fires, slip-and-fall claims from guests, foodborne-illness allegations, and damage or theft involving coolers, ranges, and point-of-sale gear. Commercial property coverage addresses physical damage to the structure and contents you need to stay open; general liability addresses third-party bodily injury and property-damage claims that arise from your food-service operations.

Liquor liability, spoilage, and equipment breakdown sit outside many base packages unless you add them. Steve White Insurance Group helps Texas restaurant owners compare those pieces across multiple carriers so the policy matches how you actually operate—dine-in, takeout, catering, or bar service—with an independent agent working on your side of the table.

Steve White Insurance Group has served Texas for 20 years as an independent agency, so we shop restaurant insurance across 13 carriers—AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America—instead of locking you into a single company’s menu of options.

Because we are not employed by any one insurer, our job is to compare coverages and limits against your kitchen, dining room, delivery, and liquor exposures, then explain trade-offs in plain English so you can choose what fits your operation and budget.

When something goes wrong, you still have one local contact who works for you at claim time—not a rotating call-center queue—and you can start with a free, no-obligation quote by calling (214) 865-9966.

When you are ready to compare restaurant insurance options, Steve White Insurance Group can shop coverage across 13 carriers—including AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America—so you are not locked into a single insurer’s package.

As an independent Texas agency with 20 years in business, we work for you, not the carrier: one advocate to walk through limits, deductibles, and add-ons that may fit your kitchen, dining room, and liquor exposure, and to stay with you if a claim arises.

Request a free, no-obligation quote by calling (214) 865-9966. We will review your operation, outline what a policy can and cannot cover, and help you choose protection that matches your risk and budget—without pressure to buy on the spot.