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.
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.
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.
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.