Insurance for Restaurant Owners

From taquerias to seafood on the bay.

For Texas restaurants, cafes, bars and caterers.

What's different

What Restaurant Owners Should Know

You feed this city, and you remember our orders. We want to know your business just as well.

A restaurant has fire in the kitchen, strangers on wet floors, perishable stock and often alcohol. Few small businesses stack that many risks.

Serving alcohol

Texas law lets an injured person sue a business that over-served a customer. General liability excludes it. Liquor liability is a separate coverage.

Storm outages

Days without power after a storm mean spoiled food and no sales. Spoilage and business income coverage are add-ons to check before the season.

Coverages to ask about

Business Owner's PolicyGeneral liability and business property in one policy for a small office, shop or practice.
Liquor LiabilityClaims that come from serving alcohol. General liability usually leaves these out.
Workers' CompensationCovers employees hurt on the job. Texas does not force private employers to carry it, but many contracts do.
Business IncomeReplaces lost income while you are closed after a covered loss, such as a fire.
Hired & Non-Owned AutoLiability when employees drive their own cars, or rentals, on company business.
Employment PracticesClaims from employees over firing, harassment or discrimination.

Request a Quote

Tell Us About You

This form asks the questions that matter for Restaurant Owners, and two minutes is enough to start. You are not a number here. A licensed Texas agent in Corpus Christi reads every request personally and tells you plainly what is available for your situation.

☏ (361) 336-0409 ✉ L.Emily@allfleurone.com ✦ 921 N Chaparral St, Suite 212, Corpus Christi, TX 78401

Quote Request for Restaurant Owners

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No spam. We never sell your information. A licensed Texas agent reviews every request. Sending this form does not start or change any coverage.

Our promise

What You Can Expect From Us

A neighbor, not a call centerWe are locally owned, with an office on Chaparral Street in downtown Corpus Christi. A licensed Texas agent reads your request personally.
Questions about your workWe ask what your days look like before we talk about policies, because coverage should fit the life you actually have.
Plain answers, no pressureWe explain your options in everyday language, and we tell you honestly when something is not the right fit or when we cannot help.

Before you call

What Speeds Up Your Quote

Have readyAnnual sales and the share from alcohol
Have readyWhether you own or lease the building
Have readyNumber of employees and whether you deliver

Questions

Restaurant Owners: Insurance FAQ

My landlord wants a certificate. What do I need?

Usually general liability with the landlord as additional insured, and property coverage on your equipment and build-out. Send us the lease's insurance page.

Are delivery drivers covered?

If employees deliver in their own cars, the restaurant needs hired and non-owned auto coverage. Their personal policies may exclude delivery.

How do I get a quote?

Fill in the form on this page or call (361) 336-0409. A licensed Texas agent reviews every request and tells you plainly what is available for your situation. Nothing is covered until an insurance company issues a policy.

General information for Texas residents, not legal, tax or financial advice. Not every coverage is available for every person or business. Coverage is subject to policy terms, conditions and underwriting approval.

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