Liquor liability, kitchen fires, foodborne illness, slip and falls β restaurants and bars carry risks that generic brokers underestimate. We specialize in food service coverage that actually protects you.
π Licensed in TX · CA · FL · AZ · GA · WA · DC
We respond within one business hour.
From single-location diners to multi-location restaurant groups.
We find the carrier that actually wants your risk and prices it right.
TX, CA, FL, AZ, GA, WA, DC — one agency for all your locations.
Submit now — a specialist calls you within the hour.
Most business owners find out they're underinsured when a claim gets denied. We make sure that never happens to you.
One DUI accident involving a guest you served can wipe out everything you've built. Your GL policy won't cover it. Liquor liability isn't optional — it's survival coverage.
A health department closure from a foodborne illness outbreak can cost you weeks of revenue. We add contamination coverage that pays while your doors are shut.
Kitchen equipment, furniture, fixtures and building — replacement cost so one fire doesn't end your business permanently.
Slip and falls, customer injuries, third-party claims. We size limits for your actual foot traffic.
A grease fire shuts you down for 6 weeks. BI pays the revenue you lose while repairs happen.
Kitchen staff, servers, bartenders — high injury risk. We place workers comp for restaurants fast.
Own businesses in multiple states? We handle everything under one roof.
Independent means we work for you — not the carriers.
Own businesses in multiple states? We handle everything under one roof.
Straight answers on cost, coverage and liquor liability — written for restaurant and bar owners, not insurance people.
The core coverages — general liability, liquor liability, property, business income, equipment breakdown and more — and why each one matters.
Read the guide →If you serve alcohol, your general liability policy likely excludes it. What liquor liability covers and how dram-shop laws work by state.
Read the guide →What actually drives your premium in Texas — sales, alcohol mix, kitchen equipment, payroll and the limits you carry.
Read the guide →How windstorm exposure and Florida’s dram-shop statute shape what a restaurant pays — and what you can control.
Read the guide →The coverages to confirm and the documents to gather before you get quoted — so your quote comes back fast and accurate.
Read the guide →Local expertise for restaurants, bars and taverns across 35 cities in six states.
Give us 15 minutes. We'll review your policy, show you what's missing, and quote something better. No obligation.
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