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How Much Does Texas Restaurant Insurance Cost?

restaurant insurance Texas

One crucial part of owning a restaurant is your insurance. It's one area in the restaurant business you do not want to skimp. The proper coverage will protect you and your company for a myriad of problems, from broken equipment to liability lawsuits. You will also need to carry certain types of insurance to satisfy your bank loans and mortgage. To ensure your investment is fully protected, take a look at these coverage options:


Business Owner's Policy

Your business owner’s policy, also known as a BOP combines your property insurance, liability insurance, and other standard coverage's into one convenient package. A typical restaurant BOP might include coverage's such as:

  • General Liability Insurance
  • Property Coverage
  • Worker’s Comp Insurance
  • Identity Theft Insurance
  • Loss of Income Insurance

The average bar can expect BOP premiums to cost from $2,547 to $7,520 annually - According to 



General Liability Insurance

Is a must have as It covers you from lawsuits from non-employees (e.g., customers or vendors) that sue you over:

Advertising injuries
Slip-and-fall accidents
Illness after eating at your restaurant  
Property damage
Almost every bar has this insurance because it protects establishments from their most common (and unavoidable) liabilities.
General Liability Insurance for a small bar cost from $1,170 to $3,780 in annual premiums - According to



Liquor Liability Insurance

In Texas, any establishment holding a liquor license is required to carry liquor liability as part of their insurance. To protect their liquor liabilities, many bars pay $966 to $3,360 in annual premiums - According to

Commercial Property Insurance

Property Insurance covers your kitchen equipment, furniture, and buildings. In the case of fire, theft, windstorms, or other covered events, your insurer reimburses you for the cost to repair and replace your property. If you have a mortgage on your business and/or equipment, then you should carry a property insurance policy.
Texas Property Insurance for small restaurants generally costs $1,011 to $2,233 in annual premiums - According to


Workers’ Compensation Insurance

Is a state-regulated insurance policy devised to compensate workers who have become injured on the job or contract a work-related illness. The policy is also designed to cover an employer’s potential liability arising out of the employee’s work-related injury or illness.
Premiums range from $636 to $9,730, with fine dining restaurants generally paying more substantial premiums - According to


Commercial Vehicle Insurance 

If you have a company vehicle that your employees use during work, then this is good insurance to have. It may be covered in your general liability, but always check with your insurance agent first.
Annual premium prices for Texas Commercial Auto Insurance generally range from $1,215 to $2,434. - According to


The Thumann Agency team is here to assist and provide you with a superior level of customer service if you have a question or would like to talk to a business insurance expert, we encourage you to give us a call at (972) 991.9100  



Start Your Online Restaurant Insurance Quote with the Thumann Agency, Today. 


The Thumann Agency team is here to assist and provide you with a superior level of customer service if you have a question or would like to talk to a business insurance expert, we encourage you to give us a call at (972) 991.9100