Serving Up Security: Insurance Essentials for Texas Restaurants
Texas is known for its incredible food culture, and restaurants across the state are more than just places to eat. They're gathering spots, small business dreams, and the heart of many communities. Whether you run a family-owned diner, a food truck parked at festivals, or a popular café on Main Street, you're serving more than meals. You're serving people. With that responsibility comes a unique set of risks, and protecting your investment with the right insurance can help you focus on doing what you love. At Rollo Insurance, we’re proud to support restaurant owners across Texas with coverage that fits the real world of food service.
Unique Risks Faced by Texas Restaurants
Operating a restaurant in Texas means navigating a wide range of challenges and liabilities:
- Slip and Fall Accidents: Spilled drinks or wet floors can lead to customer or employee injuries. Texas premises liability laws can be tricky to manage without strong protection
- Foodborne Illness: Improper food handling, storage, or preparation can lead to claims and damage your reputation
- Kitchen Fires: Grease fires and equipment failures pose serious risks in any kitchen
- Property Damage: Fires, storms, or vandalism can damage your building, equipment, and furniture
- Business Interruption: Unexpected closures from power outages, fires, or weather events can lead to major income loss
- Employee Injuries: Cuts, burns, and repetitive stress injuries make workers’ compensation an important layer of protection
- Theft and Employee Dishonesty: Cash, supplies, or equipment may be stolen by outside parties or even staff
- Cyber Liability: Credit card processing and digital customer data bring risks of breaches and fraud
- Spoilage: Power outages or failed equipment can result in costly losses of perishable food
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Required and Recommended Coverages for Texas Restaurants
The right insurance plan should include both required policies and strong supplemental protection:
Often needs to be added:
- Workers Compensation Insurance: Required for most businesses with employees. Covers medical care and lost wages if someone gets hurt on the job
- Commercial Auto Insurance: Required if your restaurant has vehicles making deliveries. Covers accidents involving your fleet
Highly Recommended:
- Commercial General Liability (CGL) Insurance: Covers claims for third-party injury or property damage. Examples include food-related illness or customer accidents
- Commercial Property Insurance: Protects your building, kitchen equipment, and furnishings
- Business Interruption Insurance: Replaces lost income and helps cover fixed costs during a temporary closure
- Food Spoilage Insurance: Covers losses of inventory due to power loss or equipment failure
Other Important Coverages to Consider:
- Cyber Liability Insurance: Helps cover legal and financial costs from data breaches or cyberattacks
- Equipment Breakdown Insurance: Pays to repair or replace essential kitchen equipment if it breaks down
- Employee Dishonesty Coverage: Protects against losses from theft or fraud by employees
- Umbrella or Excess Liability Insurance: Adds another layer of liability protection if claims exceed your existing policy limits
Texas-Specific Insurance Considerations for Restaurants
- Health and Safety Regulations: Texas has clear standards for restaurant safety. Your coverage should reflect risks tied to inspections and potential non-compliance
- Severe Weather: From hailstorms to hurricanes, Texas weather can disrupt your business. Make sure your policies account for it
Average Cost of Insurance for Texas Restaurants
Costs can vary based on the size and type of restaurant you run:
- Size of the Restaurant: Larger locations with higher revenue often see higher premiums
- Type of Cuisine and Operations: Deep fryers or late hours can raise the level of risk and the cost of coverage
- Claims History: A clean claims record usually keeps premiums lower
- Coverage Limits and Deductibles: More coverage and lower deductibles lead to higher premiums but better protection
- Number of Employees: More staff means higher workers’ compensation costs
- Location: Rates vary across Texas depending on local crime, storm risk, and property values
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
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Finding the best rates for the coverage you need.
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Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
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Protecting the most valuable things you own.
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A partner who you can call on today, tomorrow, and the rest of your life.
Serving Your Community with Confidence: Rollo Insurance is Your Partner
Restaurants are at the heart of Texas communities. From early prep work to late-night cleanups, your team keeps things running. You work hard to offer great service and create a welcoming space. At Rollo Insurance, we believe in protecting that effort. We take the time to understand your risks and build a plan that makes sense for your restaurant. Contact us today so we can help you stay focused on what matters most: your people, your plates, and your place in the community.
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