Restaurant Insurance
Comprehensive restaurant insurance that protects your property and safeguards against guest-related incidents, giving you the peace of mind to focus on creating exceptional dining experiences while knowing your establishment is secure.
We understand the unique risks restaurants face because we've protected them for decades.
With decades of specialized experience protecting restaurant operations, our expert advisors bring deep understanding of foodservice industry risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against food safety incidents, property damage, and liability exposures while anticipating regulatory and market changes. Our commitment to ongoing support ensures your restaurant maintains comprehensive protection as your operations and customer base grow.
Our licensed insurance professionals specialize in coverage for food service establishments, from local cafes to multi-location restaurant groups. Through continuous monitoring of health codes, food safety regulations, and hospitality industry standards, we stay ahead of evolving operational challenges. This proactive approach ensures your policy provides comprehensive protection against foodborne illness claims, customer injury incidents, and equipment breakdown losses.
We go beyond standard insurance offerings to provide comprehensive protection tailored to your restaurant's unique needs. Our policies cover everything from food spoilage and equipment breakdown to customer liability and business interruption, ensuring every aspect of your restaurant operations remains protected.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Building and Structure Protectionagainst fire, natural disasters, vandalism, and weather-related damages, including repairs to walls, roofs, and essential systems.
• Kitchen Equipment Coveragefor damages to commercial ovens, refrigeration units, ventilation systems, and food preparation equipment due to mechanical breakdown.
• Interior Asset Protectionfor furniture, fixtures, dining room equipment, POS systems, and decorative elements damaged during covered incidents.
• Inventory Loss Coveragefor food supplies, beverages, cooking ingredients, and perishable items damaged by power outages or equipment failure.
• General Liability Protectionfor customer injuries, slip-and-fall accidents, and property damage claims occurring within restaurant premises or outdoor dining areas.
• Food Safety Coveragefor foodborne illness claims, contamination incidents, allergic reactions, and related legal expenses from food preparation issues.
• Liquor Liability Protectionfor alcohol-related incidents, customer intoxication claims, and damages resulting from improper serving practices.
• Employee Injury Coveragefor workplace accidents, burns, cuts, and other occupational injuries sustained during food preparation and service.
• Revenue Loss Protectionduring temporary closures due to covered events, including compensation for lost sales and ongoing operational expenses.
• Extra Expense Coveragefor temporary relocation costs, emergency equipment rental, and additional staffing during business restoration periods.
• Supply Chain Disruptionprotection for increased costs of ingredients, alternative supplier expenses, and losses from vendor delivery failures.
• Utility Interruption Coveragefor losses resulting from power outages, water supply disruptions, and gas service interruptions affecting operations.
• Wrongful Termination Protectionagainst claims of unfair dismissal, discrimination allegations, and workplace harassment suits from current or former employees.
• Workers Compensation Coveragefor medical expenses, rehabilitation costs, and lost wages resulting from workplace injuries or occupational illnesses.
• Employment Practices Liabilityfor discrimination claims, hostile work environment allegations, and wage-hour dispute legal expenses.
• Management Liability Protectionfor decisions affecting employee benefits, workplace policies, and compliance with employment regulations.
On average, Restaurant Insurance costs around $3,500 annually; however, individual premiums vary based on several factors:
Restaurants with modern fire suppression systems and well-maintained cooking equipment typically receive lower premiums than those with outdated installations.
Properties in flood-prone areas or high-crime neighborhoods face higher premiums compared to restaurants in safer, well-protected commercial districts.
Full-service restaurants with alcohol service generally incur higher premiums than quick-service establishments due to increased liability exposure.
Modern buildings with updated electrical systems and fire-resistant materials command lower rates than older structures with outdated infrastructure.
Establishments with multiple past liability or property damage claims face substantially higher premiums than those maintaining claim-free operational records.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Standard restaurant insurance typically doesn't automatically cover delivery drivers using personal vehicles. You'll need hired and non-owned auto coverage as an endorsement or separate policy. Drivers must maintain their own personal auto insurance and meet specific eligibility requirements. Regular driver record checks and written delivery policies are essential. Consider implementing driver safety training and maintaining detailed delivery logs to minimize risks and ensure continued coverage eligibility.
Product liability coverage within your restaurant insurance policy typically covers food-borne illness claims from customers. However, coverage applies only when proper food safety protocols are followed and documented. Regular staff training, temperature logs, and cleaning schedules must be maintained. Implement a detailed food safety management system, conduct regular inspections, and keep thorough records of supplier information and food handling procedures to ensure coverage remains valid.
Basic property insurance usually covers permanent outdoor fixtures, but temporary or removable items may require additional coverage. Specific endorsements might be needed for outdoor furniture, heaters, and weather-related damage. Coverage often depends on proper security measures and adherence to local codes. Maintain an updated inventory of outdoor assets, implement secure storage procedures during severe weather, and regularly review coverage limits to ensure adequate protection.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
