Frequently Asked Questions about Restaurant Insurance

Can restaurant insurance cover customer injuries?

General liability insurance may respond to certain covered claims involving bodily injury or property damage. Coverage depends on the circumstances, policy terms, limits, exclusions, and deductible.

Can insurance cover food spoilage after equipment or power failure?

Spoilage coverage may be available for certain losses involving refrigeration breakdown or power interruption. Covered causes, waiting periods, limits, and maintenance requirements vary by policy.

Does restaurant insurance address food-related illness claims?

Product liability coverage may respond to certain covered claims alleging that food caused an illness or injury. Texas restaurants should discuss their preparation, serving, catering, and delivery activities with an agent.

Does a restaurant need liquor liability insurance?

Restaurants that sell or serve alcohol may need to consider liquor liability coverage. General liability should not be assumed to cover every alcohol-related claim.

Can insurance cover lost income after a restaurant closes temporarily?

Business income coverage may be available when operations are interrupted by a qualifying covered loss. Waiting periods, covered expenses, limits, and restoration requirements vary by policy.