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Restaurant Insurance F.A.Q.

What types of insurance do I need for my restaurant business?

The types of insurance coverage that you need for your restaurant business depend on various factors, such as the size of your business, the type of cuisine you serve, and the number of employees you have. However, the most common types of insurance that you may need include general liability insurance, property insurance, workers' compensation insurance, liquor liability insurance, and business interruption insurance.

How much does restaurant insurance cost?

The cost of restaurant insurance can vary widely depending on various factors such as the size of your business, location, the number of employees, and the type of coverage you need. The cost can range from a few hundred dollars to several thousand dollars per year.

Do I need liquor liability insurance if I don't serve alcohol?

If your restaurant does not serve alcohol, you may not need liquor liability insurance. However, it is still important to have general liability insurance to protect your business against claims of bodily injury or property damage that may occur on your premises.

Is workers' compensation insurance required for restaurant businesses?

In Texas, workers' compensation insurance is required for restaurant businesses that have employees. This coverage provides benefits for employees who suffer from work-related injuries or illnesses.

What should I look for when choosing an insurance provider for my restaurant business?

When choosing an insurance provider for your restaurant business, you should consider several factors such as the company's reputation, the types of coverage they offer, the cost of their policies, and their level of customer service. It is also essential to review the terms and conditions of the policy carefully to ensure that you have the right coverage for your specific business needs.

Restaurant Insurance Information

As a restaurant business owner in Texas, there are several types of insurance coverage that you should consider to protect your business and assets.

  1. General Liability Insurance Is important for any business, including restaurants. It covers bodily injury or property damage that may occur on your premises or as a result of your operations. For example, if a customer slips and falls in your restaurant, general liability insurance would cover their medical expenses and any legal fees if they sue you.
  2. Property Insurance Is designed to protect your business property, including your building, equipment, and inventory, from damage or loss due to natural disasters, theft, or vandalism. This type of coverage can help cover the cost of repairing or replacing your property.
  3. Workers’ Compensation Insurance Is required in Texas if you have employees. It provides coverage for medical expenses and lost wages if an employee is injured or becomes ill as a result of their work. This coverage helps protect your business from expensive lawsuits and ensures that your employees are taken care of in the event of an accident.
  4. Liquor Liability Insurance – If your restaurant serves alcohol, liquor liability insurance is essential. It covers your business in case a customer becomes intoxicated and causes damage or injury to themselves or others. This type of coverage is not included in general liability insurance, so you will need to purchase it separately.
  5. Business Interruption Insurance Can help protect your restaurant from lost income if you are forced to close temporarily due to a covered event, such as a fire or natural disaster. This type of coverage can help cover your operating expenses and keep your business afloat during a difficult time.

In Texas, there are many insurance companies that offer coverage for restaurant businesses. Some of the most popular providers include Nationwide, Allstate, State Farm, and The Hartford. It is important to shop around and compare quotes from multiple providers to find the best coverage at a competitive price.

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Customer Reviews

Mojo BlockMojo Block
18:36 23 May 23
Voyage Insurance Group is very new to me and my family in search of equitable and affordable insurance. The cost of insurance in this current rise of inflation and greed is difficult to figure out. Voyage has shown to me real results…They are simply refreshing and sincere in their approach to the buyer’s needs. However you have morphed seeking a positive desire for change that is affordable in you quest of the right insurance, home or car., Voyage is worth the call… Trinity or Rachel are great at their job to seek out more affordable and equitable insurance… Thank you Trinity and Rachel…
Sal Da DoorSal Da Door
17:16 15 Feb 23
Micah is always friendly and reliable. His word truly is his bond and I’d prefer no one else to handle any of my insurance needs.
DeQuincy LydiaDeQuincy Lydia
04:17 15 Feb 23
Always great working with Michael. He is very professional, knowledgeable and also quick to respond to any questions I may have. He was really able to help me last minute and I'm very grateful!
julie pachecojulie pacheco
03:12 03 Feb 23
Micah Clements was very prompt and professional in assisting me with my needs for home and auto insurance. Micah provided me with multiple options that best fit within my financial budget. I really didn’t think he was going to be able to beat what I was paying with my prior insurance company, but he did, by half! I’m happy I was referred to this group.
23:41 02 Feb 23
the best quote and profesional Customer Service, you can trust in Voyage Insurance Group.
I had a great experience getting assistance from Brandi Grauel, she is so professional and attentive, she was able to show me several car insurances options and helped me to find out what was the best option for me. Anyone who is shopping around but not sure yet.. give her a call
Regina PopeRegina Pope
21:17 02 Apr 22
David Miller out of Pearland helped us save so much money on our personal auto and our commercial auto premiums. We received such a good deal that we paid it all upfront! David was quick and efficient and we are glad to do business with him!
Bridgette GarciaBridgette Garcia
19:21 02 Apr 22
I had an exceptional experience with Voyage Group Insurance. David Miller was amazing! He provided great customer service and saved me $250. Thanks David!
Nate HeckmanNate Heckman
17:45 29 Mar 22
I've had a great experience with Voyage Insurance Group. Sergio Guerrero was the first person I spoke with about my quote and he was extremely helpful and pleasant to speak with. He was very professional and clear with his explanations to my questions. I appreciated that a lot. As a new customer I am indeed satisfied with my experience. Thank you!!!