Restaurant Insurance, Texas

Restaurant Insurance, Texas

Insurance For Your Resturant 

Running a restaurant can feel overwhelming at times, that's why the Thumann Agency specializes in restaurant insurance tailored specifically to Texas establishments—whether you're running a cozy café, or a bustling food truck, our team ensures your business is fully covered, so you can focus on serving your customers with confidence and peace of mind.

Why Choose Us?

  • Access to 80+ Top-Rated Providers – Enjoy the flexibility of choosing from the best in the industry.
  • Tailored Coverage – Find insurance that fits your unique needs perfectly.
  • Expert Guidance – Our team provides personalized advice to help you understand your options.
  • Client-Centered Approach – We focus on what matters to you, delivering solutions that make sense for your business.
  • Trusted Reputation – Experience a seamless, stress-free insurance process backed by years of client satisfaction and loyalty.

Start Your free Quote Today

Our Comprehensive Approach

At the Thumann Agency, we turn your insurance needs into peace of mind. We guide you through every step of the insurance process, making sure you fully understand your coverage. Here’s how we do it:

  • We Listen First – By truly getting to know your risks and concerns, we create tailored solutions that work for you.

  • Proactive Protection – We help you identify potential risks early and implement strategies to keep your restaurant safe and compliant. 

  • Guiding You Through Every Step – Our team makes the process simple, explains your options clearly, and is always here to answer your questions. 

  • Stress-Free Support – From securing the right policy to navigating claims, we handle the heavy lifting, so you can focus on running your restaurant.

What’s the Best Insurance for Your Small Restaurant in Texas?

As a restaurant owner in Texas, you pour your heart and soul into your business every day. We know how important it is to protect what you’ve worked so hard to build, that’s why we recommend starting with a Business Owner’s Policy (BOP)—the foundation of any solid restaurant insurance plan. A BOP combines three essential coverages every Texas restaurant needs:

  • General Liability – Shields you from costly claims related to accidents, customer injuries, or damage to third-party property.
  • Commercial Property – Safeguards your physical assets like your building, kitchen equipment, and furniturefrom fire, theft, and storms.
  • Business Income – Keeps your business afloat by covering lost income if you're forced to close due to a covered event, such as a natural disaster.

 

For restaurant owners with employees, workers’ compensation insurance is not just a recommendation—it's often a requirement in Texas. This coverage protects your employees in the event of a work-related injury while keeping your business compliant with state laws. - At the Thumann Agency, we can help you find the right workers' compensation policy to protect your team and ensure your business stays fully compliant.

 

Other Types of Insurance That Restaurants in Texas May Need Include:

Our goal is to provide a customized policy that meets your restaurant's unique needs. In addition to general coverage, here are other types of insurance you may want to consider:

  • Business Interruption Insurance – Protects your income and helps cover ongoing expenses if your restaurant has to close temporarily due to a fire or natural disaster.
  • Commercial Auto Insurance – Covers accidents, vehicle damage, and liability if your restaurant offers delivery services or owns company vehicles.
  • Food Spoilage Insurance – Protects you from financial loss due to spoiled food caused by equipment malfunctions or power outages.
  • Cyber Liability Insurance – Safeguards your business from costs associated with a data breach or cyberattack, protecting both your customer data and your reputation.
  • Employment Practices Liability Insurance (EPLI) – Protects your restaurant against employee claims related to wrongful termination, discrimination, or harassment.

 

Summarizing Our Google Reviews: Fast, Reliable Service That Puts You First Every Time.

  • Quick and Reliable Service: Clients appreciate the agency's fast response times and ability to deliver when others cannot.
  • Outstanding Customer Care: The team consistently provides polite, professional, and focused service, even under tight deadlines.
  • Proactive Support: The agency is known for being responsive and addressing concerns before they become issues, giving clients peace of mind.
  • Knowledgeable and Helpful: Clients value the team's expertise and their ability to handle a wide range of insurance needs with ease.
  • Compassionate Assistance: The agency goes above and beyond to help clients during challenging times, offering much-needed support.
  • Affordable Solutions: The team works hard to find clients competitive pricing on various insurance policies.
  • Consistently Responsive: Clients highlight the agency’s proactive approach and quick communication, making them feel well-supported.

 

Start Your Online Quote Today or Call Us (972) 991.9100

For Your Reference

  1. Texas Restaurant Association – A valuable resource for understanding the unique risks and compliance requirements of operating a restaurant in Texas.
    (https://www.txrestaurant.org)

  2. Texas Department of Insurance – For information on business insurance laws and workers' compensation requirements in Texas.
    (https://www.tdi.texas.gov)

  3. National Restaurant Association – Offers insights on industry-wide trends, risks, and best practices.
    (https://www.restaurant.org)