Restaurant Insurance in Texas

Protection for every plate, pour, and paycheck.

Coverage Cooked Up for the Food Industry

Running a restaurant means juggling a thousand moving parts—hot kitchens, busy staff, valuable equipment, and constant customer traffic. At Stieber Insurance Group, we offer restaurant insurance policies designed to protect your business from the risks that come with serving food and creating experiences. Whether you run a food truck, a fine dining spot, or a neighborhood bar, we’ll help you stay covered and compliant.


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What Does Restaurant Insurance Cover?


Restaurant insurance combines several types of coverage into one policy tailored to the food and beverage industry.

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General Liability

Covers customer injuries, property damage, and claims like slips and falls—essential for any restaurant, bar, or café.

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Commercial Property

Protects your physical space and the equipment inside—ovens, refrigerators, POS systems, furniture, and fixtures.

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Liquor Liability

Required if you serve alcohol. Covers claims related to intoxicated patrons causing harm or property damage.

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Food Spoilage

Helps cover the cost of food lost due to power outages, equipment failure, or mechanical breakdowns.

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Business Interruption

Replaces lost income and helps cover operating expenses if you need to temporarily shut down due to a covered event.

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Employee Theft or Dishonesty

Optional coverage that helps protect against financial loss due to internal theft or fraud.

Restaurant Insurance FAQs

  • Q1: Do I need liquor liability if I only serve beer and wine?

    Yes—any business serving alcohol in Texas should have liquor liability coverage to protect against potential claims.

  • Q2: Is restaurant insurance required by law?

    While not legally required, general liability and property insurance are typically required by landlords, lenders, and suppliers.

  • Q3: What if I run a food truck instead of a brick-and-mortar?

    We offer policies specifically tailored to mobile food vendors, including vehicle and equipment coverage.

  • Q4: Can I insure my restaurant’s equipment separately?

    Yes. Equipment breakdown or specific property riders can protect your big-ticket kitchen gear.

  • Q5: Does insurance cover delivery drivers?

    Not always under a standard policy. We can help you add hired and non-owned auto coverage for drivers using personal vehicles.

  • Q6: Can I bundle restaurant coverage with workers’ comp and umbrella?

    Absolutely. Bundling your coverages streamlines protection and often leads to better pricing.

From Prep to Plate, We've Got You Covered

Restaurants are about more than meals—they're about people, pressure, and passion. Let’s protect what you’ve built with coverage that understands your business.


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