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🤠 Texas · Restaurant & Bar Insurance

Restaurant & Bar Insurance
in Texas

Liquor Liability · General Liability · Property · Workers' Comp — licensed Texas specialists with 20+ years of commercial insurance experience.

📍 Licensed in TX · CA · FL · AZ · GA · WA · DC

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Licensed in Texas
20+ Years Experience
Independent — 6 Carriers Shopped
Liquor Liability Specialists
Same-Day Quotes

Protecting Texas Restaurant & Bar Owners for 20+ Years

Secure Risk Partners is licensed in Texas and specializes in restaurant, bar and tavern insurance across the state. From fast-casual spots in the suburbs to full-service restaurants and bars in Dallas, Houston and Austin — we know this industry inside and out.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
50,000+
Restaurants in TX
#2
US Restaurant Market
TABC
Liquor Regulator

Texas TABC requires liquor liability for any establishment serving alcohol

Workers' comp is not mandatory in Texas but strongly recommended for restaurant and bar staff given the high injury rate in food service.

Every Coverage Texas Restaurant Owners Need

We write all of these for Texas restaurant and bar owners — individually or as a complete package.

⚠️ Essential if Serving Alcohol🍻

Liquor Liability

Covers claims arising from alcohol service. Standard GL policies exclude dram shop and liquor-related claims entirely.

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General Liability

Slip and falls, customer injuries, food-related illness claims and third-party property damage.

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Property Insurance

Building, contents, equipment, signage and outdoor seating at replacement cost.

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Workers' Compensation

Competitive placement for restaurant and bar staff across Texas.

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Business Interruption

Replaces lost revenue and covers continuing expenses when a covered loss forces you to close or reduce operations.

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Crime & Employee Theft

Employee dishonesty and theft coverage — critical in cash-heavy restaurant environments.

We Know Texas Restaurants. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Texas and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Texas Restaurant Insurance FAQ

What coverages does a Texas restaurant owner actually need?
At minimum: general liability, property and workers' compensation. If you serve alcohol, liquor liability is essential. We also recommend business interruption and crime coverage for all restaurant owners.
Does Texas require restaurants to carry liquor liability insurance?
TABC does not mandate liquor liability, but any lender, landlord or franchisor almost certainly will. More importantly, a single dram shop claim can be devastating without it. We include liquor liability in every bar and restaurant policy we write in Texas.
Does general liability cover food poisoning claims?
Yes. General liability covers foodborne illness claims from customers. We make sure your policy includes products and completed operations coverage, which is the specific provision that applies to food service claims.
Do you cover bars and taverns that don't serve food?
Yes. We cover the full spectrum — restaurants, bars, taverns, nightclubs and entertainment venues. Liquor liability is the primary coverage concern and we specialize in placing it for establishments of all types.
How quickly can you get a Texas restaurant quote?
Same day in most cases. We need basic details — location, square footage, annual sales, whether you serve alcohol and current coverage — and we can have options in front of you within hours.
Can you cover a restaurant with a history of claims?
Yes. We work with carriers including Lloyd's of London that consider non-standard risks. Prior claims don't automatically disqualify you. Call us to discuss your situation directly.

Ready for Your Texas Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant