If you are a restaurant or other food establishment owner in the Dallas Texas area, and you are looking for rates on restaurant insurance and related policies, then be sure to contact us today. We are an independent insurance agency and will work to find you great rates on a policy which is as customized as possible for what you need regarding your business ownership whether you have issued shares, an entity structured with the S-corporation election, or are a traditional multi-member LLC.

This link offers more information about business structures in the State of Texas: Click Here

Tips On Food Business And Restaurant Insurance

We found some helpful articles to provide you with more information about food business insurance. Please remember that we are an independent insurance agency licensed in Texas, so the resources quoted on this page are just for examples as we can help you find the right carrier and insurance policy for your specific needs.

We found some helpful tips on food business and restaurant insurance from this article (click here for the full article): 

11 Food Business Insurance Policies To Consider

Spoilage Insurance

If you’ve ever been unfortunate enough to experience …

  • A prolonged power outage 
  • Equipment breakdown or failure; and
  • Faulty refrigeration systems, piping, mechanical, or electrical machines


Food Contamination Insurance

Your recurring nightmare has finally happened. The CDC just called to let you know your customers are getting sick — and E. coli is the suspected culprit. 

If you are ever shut down due to food contamination issues, food contamination insurance can be a lifesaver. 




Business Interruption Insurance

Sometimes a business may be forced to temporarily close its doors due to physical loss or damage to business property.


Equipment Breakdown Insurance

When equipment malfunctions, productivity is affected. That’s why no food business should be without equipment breakdown coverage. 

There are five categories typically covered by equipment breakdown insurance:

  1. Electrical, which covers transformers, electrical panels, and cables
  2. Mechanical, which includes engines, motors, generators, elevators, water pumps, and specialized production equipment
  3. Computers and communications, including computer, phone, voice mail, security, and fire alarms
  4. Air conditioners and refrigeration systems; and
  5. Boilers and pressure equipment

What Types of Businesses are Considered the “Food Industry?”

The term “food industry” covers a wide range of businesses, including:

  • Caterers
  • Bars
  • Restaurants
  • Bakeries
  • Farmers markets
  • Cookie and cake bakers
  • Coffee shops
  • Cafés
  • Delis 
  • Foot trucks
  • Food vendors
  • Ice cream shops
  • Juice bars; and
  • Nightclubs



Tips from Nationwide Mutual Insurance Company (full set of tips at this link: Nationwide’s page on food business insurance):

Few insurance carriers can match the wide variety of food service businesses we insure. Our target classes include but are not limited to:

  • Bakeries
  • Brewpubs 
  • Cafes 
  • Carryout establishments 
  • Coffee shops 
  • Delicatessens 
  • Diners (other than 24-hour) 
  • Family-style / Table service restaurants 
  • Fast casual restaurants
  • Fast food restaurants 
  • Fine dining establishments 
  • Food stands 
  • Food trucks affiliated with a restaurant 
  • Ghost kitchens
  • Ice cream / yogurt shops 
  • Pizza parlors
  • Sandwich shops
  • Virtual restaurants

    Click the link above to see all of the tips from that resource. The above tips are just a portion from that full article.