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Restaurants & Bars

The food and beverage industry is a mix of products and services, and comes with what seem to be innumerable risks.  In Texas, and in other regions of the U.S., laws and regulations dictate that food and beverage operations carry specific insurance.  In most cases, these operations choose to carry additional coverage simply because it fits their business. 

At Hamann Insurance Group we know that no two restaurants or bars are alike, even if they are part of a chain.  There are too many factors that distinguish each operation.  This is one reason for providing insurance and risk management solutions that are uniquely tailored to each restaurant or bar: it’s essential. 

Most of our policies begin with standard business insurance coverages because all food and beverage establishments need these coverages.  However, these policies also contain additional coverages, each of which fits the needs of an individual business.  Whether you’re protecting your establishment against costs that result from people slipping and falling and other on-site accidents or damages, property losses, or employee dishonesty claims, we can make sure that your protection is complete.

We understand your industry and your business.  We are qualified to write policies for all types of restaurants and food service businesses.  The coverages that we include in these policies are selected to mitigate client-specific risks and to increase savings over time.  These risks include:

  • Property Exposures
  • Business Income Losses
  • Crime exposures
  • Premises Liability Exposures
  • Liquor Liability Exposure
  • Workers Compensation Exposures
  • Inland Marine Exposures
  • Products Liability Exposure
  •  Automobile Exposure


Most restaurants and bars start with base policies that provide standard coverages.  These policies are essential because they cover general business risk.  Coverages that are commonly found in these policies include: 

  • Business Personal Property
  • Employee Dishonesty
  • Money and Securities
  • General Liability
  • Liquor Liability
  • Employee Benefits
  • Umbrella
  • Hired and Non Owned Auto
  • Workers Compensation
  • Environmental Impairment
  • Employee Dishonesty
  • Equipment Breakdown

We know that running a restaurant or bar takes hard work and lots of attention to detail.  If you’re a restaurant or bar owner you don’t want to have to worry about protecting against risks in addition to all you have to do.  This is why we ensure that you’re protected.  

We start with a comprehensive insurance plan.  This plan reflects the unique needs of your operation and mitigates current and future risk.  It also reflects the most cost-effective prices available. 

In addition to a comprehensive plan, we give you education and ongoing support to ensure that you have the knowledge necessary to make informed decisions.   Set up a consultation with us to get started.

Contact us today at 866.236.2184 or fill out the free quote request form at the bottom of the page.  We’re ready to help you.

HIG Risk Solutions is proud to offer restaurant and bar insurance in Katy and San Antonio, Texas and surrounding areas.  

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