Restaurant Insurance in Texas | 86 The Risk

Running a restaurant comes with serious risk exposure. From kitchen fires and slip-and-fall claims to foodborne illness and liquor liability lawsuits, restaurant owners need specialized restaurant insurance coverage built specifically for the hospitality industry.

At 86 The Risk, we provide customized restaurant insurance in Texas designed for full-service restaurants, fast casual concepts, fine dining establishments, franchise operators, and multi-location groups.

Core Restaurant Insurance Coverages

General Liability Insurance for Restaurants
Protects against customer injuries, slip and falls, food poisoning claims, and third-party property damage.

Liquor Liability Insurance
If you serve alcohol, this is critical. Liquor liability protects your business against claims related to intoxicated patrons.

Commercial Property Insurance
Covers your building (if owned), leasehold improvements, kitchen equipment, furniture, POS systems, and contents.

Restaurant Equipment Breakdown Coverage
Protects ovens, fryers, refrigeration units, HVAC systems, and specialty kitchen equipment.

Spoilage Coverage Insurance
Covers food inventory loss due to mechanical breakdown or power outage.

Utility Time Element / Power Outage Insurance
Covers lost income and spoilage if a power outage impacts your restaurant operations.

Business Income Insurance (Business Interruption)
Replaces lost revenue if your restaurant must close due to a covered loss such as fire, storm, or water damage.

Workers Compensation Insurance for Restaurants
Required in many cases and highly recommended. Covers employee injuries including burns, slips, knife cuts, and lifting injuries.

Commercial Auto Insurance
If you offer catering or delivery services.

Whether you operate in Houston, Galveston, Clear Lake, or anywhere in Texas, we understand hospitality risk and build policies designed to keep your doors open.

 Request a competitive restaurant insurance quote today.