Texas Restaurant Insurance


When you opened your restaurant, you did it for one big reason – you wanted to feed people good food they couldn’t get anywhere else. Taking care of people, sharing the experience of a good meal, and building something to be proud of was what you envisioned when you opened your doors and welcomed your first guest.


Shutting your doors temporarily after a fire, being sued by an angry customer, or dealing with dishonest employees wasn’t what you had in mind at all. Unfortunately, as a restaurant owner, these are all things that can and do happen. Good policies and safety programs can prevent most problems, and a good insurance policy can take care of you and your business when trouble hits your restaurant anyway.


Here at Patterson Insurance, we want to help your Texas restaurant succeed and grow. That’s why we take the time to explain the different options you have for insurance coverage. All restaurants need certain basic coverages:


General liability insurance

This protects your restaurant if a patron, vendor, or visitor gets hurt or has their property damaged while at your establishment, even if they didn’t come in for a bite to eat.


Property insurance

If your restaurant is hit by lightning, experiences a fire, or gets broken into or damaged in a big storm, your equipment, signage, and other restaurant property can be repaired or replaced.


Workers’ compensation

Having even one employee means you need this insurance. It pays for lost wages and medical costs of one of your people gets hurt on the job. Workers’ comp also takes care of you if your employee decides to sue.


Commercial auto

Whether you have a food truck, offer catering, deliver meals, or just send your employees out to run errands in their car, you need a commercial auto insurance policy to protect you in case of an accident on the road.


This is just the basic coverage you need. You may also want to consider added insurance to give yourself peace of mind that you can recover from any damage or loss.

  • Equipment breakdown coverage to fix or replace equipment you need to keep your business running. Your grill, stove, oven, and refrigeration system are just a few that come to mind.
  • Utility services and spoilage coverage would help you replace any food or drinks ruined if your utilities go out. One power outage could set you back thousands of dollars in spoiled food.
  • Employee practices liability insurance takes care of the things you don’t want to think about, but should – protection in case you (or your managers) are accused of discrimination, sexual or other harassment, and wrongful termination.
  • Employee dishonesty protects you and your restaurant from that one bad hire who decided to dip their hands into the register or cart out free food when no one was looking.

Our team at Patterson wants to take care of the hassle and worry over insurance so you can do the thing you do best – offer good food to hungry people. Sit down with us and let’s talk about your restaurant so we can help you find the best insurance coverage and let you focus on what really matters, cooking up the next delicious meal for your customers.

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The coverage you can count on to protect the life you’ve worked so hard to build, from agents that will treat you like part of the family. It’s the Patterson way.


A business needs more than liability coverage, even with a good umbrella policy. Have you checked your commercial business insurance lately to make sure your coverage has kept up with the growth of your company? We can walk you through all the available policies to help you protect what you’ve worked so hard to build.