Full Service Restaurants
Dining rooms, patios and bars with table service.
Restaurant and Bar Insurance in San Antonio
Coverage for full service restaurants, counter service, bars, food trucks and caterers, including the liquor liability landlords and lenders commonly require.
Who It's For
Bars and Lounges
Businesses where alcohol is a large share of sales.
Food Trucks and Caterers
Mobile kitchens, event catering and commissary based operations.
Counter Service and Cafes
Quick service, coffee shops and bakeries.
What It Covers
Liquor Liability
Claims that a guest you served injured someone or damaged property after drinking. General liability policies usually exclude this for businesses that sell alcohol.
General Liability
Slips, falls and other injuries to guests, plus damage to others' property.
Property and Equipment
Kitchen equipment, furniture, point of sale systems and the improvements you made to your space.
Equipment Breakdown
Repairs when coolers, ovens or air conditioning fail mechanically or electrically.
Food Spoilage
Inventory lost to a power outage or refrigeration breakdown, up to the policy's limit.
Business Income
Lost income while you are closed after a covered loss, such as a kitchen fire.
Workers' Compensation
Kitchen burns, cuts and slips are common claims.
Texas and San Antonio Details
Texas dram shop law lets an injured person sue a business that served alcohol to someone who was obviously intoxicated to the point of being a clear danger. TABC seller server certification can support a safe harbor defense when you require it, your employees completed it and you did not encourage the sale.
Food trucks need an auto policy that allows business use for the truck itself and general liability for serving customers. Events and commissaries often ask for a certificate naming them as additional insured.
Hood and duct cleaning dates, fire suppression service records and grease trap maintenance come up on almost every restaurant application. Having those handy speeds up the quote.
Common Questions
Do I Need Liquor Liability in Texas?
It depends on your permit, your lease and your lenders, and landlords and event venues commonly require it. If you sell or serve alcohol, general liability alone usually leaves that exposure uninsured.
Does a Food Truck Need Commercial Auto?
Yes. The truck needs an auto policy that allows business use, plus general liability for serving customers. Equipment inside the truck can be covered too.
What Is the TABC Safe Harbor?
A defense under Texas law that can protect a business from liability for an employee's sale to a minor or an intoxicated person, if the business requires TABC seller server training, the employee completed it and the business did not encourage the sale.
Are Power Outages Covered?
Spoilage coverage pays for food lost to a power outage or refrigeration breakdown, subject to its limit and terms. Lost income from an outage away from your location depends on the policy.
What Information Do You Need for a Quote?
Your sales split between food and alcohol, hours, square footage, seating, payroll, cooking equipment and fire suppression details, and any recent claims.
Related Coverage
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