Restaurant Insurance in Texas
Protect your restaurant business with comprehensive coverage for Austin, Houston, San Antonio & beyond
Protect Your Texas Restaurant Business
Owning a restaurant in Texas comes with both rewards and risks. From kitchen fires to foodborne illness claims, unexpected events can happen fast. Dhuka Insurance specializes in restaurant insurance coverage for full-service, quick-service, and family-owned restaurants in Austin, Houston, and San Antonio.
We offer flexible payment plans and pay-as-you-go insurance so you can focus on serving your customers, not worrying about costs.
Essential Coverage for Restaurant Businesses:
- General Liability - Protects against third-party claims for bodily injury or property damage
- Commercial Property Insurance - Covers your building, equipment, and inventory
- Workers' Compensation - Required if you have employees; covers medical expenses and lost wages
- Liquor Liability - Protects against alcohol-related incidents if you serve alcohol
- Food Spoilage Insurance - Covers lost inventory due to power outages or equipment failure
- Equipment Breakdown Coverage - Protects your kitchen equipment and appliances
Why Choose Dhuka Insurance for Restaurant Coverage:
- Texas-focused — We understand Texas restaurant regulations and liquor licensing requirements
- Flexible payment options — Pay monthly, quarterly, or pay-as-you-go
- Industry expertise — We specialize in food service business insurance
- Fast quotes & dedicated support — Get covered quickly with our expert team
Starting at $167/month
Comprehensive restaurant business protection
Complete Texas Restaurant Insurance Guide
Why Texas Restaurants Need Insurance
Running a restaurant involves employees, customers, food safety, and valuable equipment — all of which can be costly if damaged or lead to liability. Coverage helps protect against:
- Customer Injuries – Example: A patron slips on a wet floor.
- Fire & Kitchen Accidents – Example: A grease fire damages the kitchen.
- Food Spoilage – Example: A power outage ruins your perishable inventory.
- Employee Accidents – Example: A cook suffers burns from hot oil.
- Liquor Liability – If your establishment serves alcohol.
Coverage Options
We can build policies including:
General Liability
Protects against third-party claims for bodily injury or property damage.
Commercial Property Insurance
Covers your building, equipment, and inventory in case of damage or loss.
Workers' Compensation
Required if you have employees; covers medical expenses and lost wages after a work injury.
Liquor Liability
Protects against alcohol-related incidents if your establishment serves alcohol.
Food Spoilage Insurance
Covers lost inventory due to power outages, equipment failure, or other covered events.
Equipment Breakdown Coverage
Protects your kitchen equipment and appliances from mechanical breakdown.
Business Interruption Insurance
Helps cover lost income if you're forced to temporarily close due to a covered event.
Serving Austin, Houston, and San Antonio Restaurants
We understand Texas restaurant regulations, liquor licensing requirements, and regional risk factors. Whether you're running a BBQ joint in Austin, a taco shop in San Antonio, or a seafood restaurant in Houston, we've got you covered.
🍽️ Get Your Free Texas Restaurant Insurance Quote Today!
Contact Dhuka Insurance at (512) 379-8425 for a free, no-obligation quote.
📄 Download Free Resources
Restaurant Insurance Checklist
Complete checklist to ensure you have all the coverage you need
Download PDFACORD 25 Certificate Template
Template for providing proof of insurance to landlords and vendors
Download PDFFAQs for Restaurant Insurance
Q1: What's the average cost of restaurant insurance in Texas?
A: Most restaurants pay between $2,000–$6,000 annually, depending on coverage and size.
Q2: Do you cover food trucks?
A: Yes — we provide insurance for food trucks, catering businesses, and traditional restaurants.
Q3: Can I get liquor liability without a full package?
A: Yes — liquor liability can be purchased as a standalone policy or added to your general liability coverage.