What is Restaurant Insurance?
Proper restaurant insurance for your Texas culinary masterpiece is as important to the future of your business as delicious food and good customer reviews. Running the day-to-day operations of a restaurant gives you plenty to worry about. You don’t need to add restaurant insurance coverage concerns to the list. After putting in so much work, Smith & Sharpe Insurance knows you don’t want your business to fail or lose profit due to an accident or property damage. That's where Texas restaurant insurance comes in. Restaurant insurance provides comprehensive financial protection against certain losses.
Who Needs Restaurant Insurance?
All food and restaurant related businesses in Texas need some type of restaurant insurance to help them get back to working order should a coved loss happen. Examples of the different types of business that require restaurant insurance include:
• Bars and Taverns
• Food Trucks
• Delicatessens and Sandwich shops
• Ice Cream Parlors
• Coffee shops
• Catering Companies
• Fast Food
• Donuts Shops
• Pizza Restaurant
• Fine-Dining Restaurants
• Concession Stands
Why Do You Need Restaurant Insurance in Texas?
A restaurant is a risky place, with sharp cooking utensils, liquid spills, and hot surfaces, in addition to the risks common to all Texas businesses, such as theft and employee injury. For many restaurants, a single accident can be enough to seriously jeopardize its ability to stay in business. A restaurant insurance coverage plan from Smith & Sharpe Insurance can help combine all the insurance coverages you need in a customized policy plan to protect you against risks common to restaurants, helping your business succeed even when accidents occur.
What Does a Restaurant Insurance Policy Include?
As experts in restaurant insurance and risk management issues, Smith & Sharpe Insurance has built upon our experience to develop a portfolio of coverages to address every facet of your restaurant operation. Available coverages include:
• Food Spoilage and Contamination
• Liquor Liability
• Utility and Equipment Breakdown
• Commercial Umbrella
• Commercial Auto
• Employment Practices Liability
• Loss of Business Income
• General Liability
• Workers’ Compensation
• Cyber Liability
• Business Property Coverage
• Crime and Robbery
• Signage and Sidewalk
• Guest Property
Smith & Sharpe Insurance Offers Customizable Restaurant Insurance Coverage Options
Smith & Sharpe Insurance specializes in restaurant, hospitality, and food service insurance. We know that businesses in the food industry, from local hot spot restaurants to fine dining establishments, face a unique set of challenges and we have optimized our restaurant insurance to give you the right coverage to protect you from finical loss arising from claims against your restaurant and accidents. Our insurance agents will take the time to learn about your business and then curate an insurance policy tailored to your individual needs, without putting a strain on your budget. From contamination to employee theft, we will make sure you are properly covered.
For a Free Restaurant Insurance Quote in Brownwood Texas TX, Contact Smith & Sharpe Insurance
Whether you operate a food truck, own a donut shop, deliver pizzas locally or cater special events, you need the right insurance coverage to protect your Texas food service business. Call Smith & Sharpe Insurance today to learn more about restaurant insurance coverage in Brownwood Texas.
If you’re ready to start a partnership with a restaurant insurance agency that is passionate about keeping your business properly covered, call Smith & Sharpe Insurance at (325) 646-4578. Or for a free online restaurant insurance quote, fill out the quote form on our contact page!