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ChefOwning a business can to various challenges, depending on the industry the business is based in. If you own a restaurant or bar, there are a number of insurance coverages that can help protect you from a multitude of possible damages. If a third party suffers property damage or bodily injury while on your property or as a direct result of the services you provided, you would be covered by general liability. Property coverage protects your physical assets, like your building or furniture, from damage caused by severe weather, fire, vandalism or theft.

Here are a few of the industry specific coverages for a restaurant or bar:
  • Assault and Battery: If a fight breaks out at your business, you could be liable for resulting damages, injuries or legal expenses. This will help protect you from those expenses.
  • Hired/Non-Owned Vehicle Liability: If your employees are using their personal vehicles for business purposes, this coverage can protect them from damages that occur.
  • Food Contamination: Even the best restaurants can run into an issue with the food that they are known for. If something becomes contaminated and a customer gets sick, you could be held liable. This will help battle any resulting legal expenses.
  • Liquor Liability: Damage to you or your customer's property can occur when someone has become intoxicated. This coverage can help protect you against some of those expenses, which also includes a customer leaving after drinking too much and causing an accident
  • Valet Liability: Customer cars can be damaged while your valet temporarily holds onto them. This can help protect you from those expenses.
Peace of mind will help you spend time on other aspects of your business. Let us help you make your business better. We make the buying process as easy as possible, as we know you are busy. Give Southwest Commercial Insurance a call at (512) 771-6091 for more information about Austin restaurant and bar insurance.
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Southwest Commercial Insurance
10601 Ranch Road 2222, Ste. R-121 | Austin, TX 78730 | Phone: 512.771.6091 | Fax: 512.276.6755
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