Restaurant Insurance
Coverage that keeps kitchens cooking
From the Georgetown Square to Wolf Ranch, Alcorn Insurance Texas builds restaurant insurance in Georgetown, TX that fits real service—busy dinner rushes, takeout lines, catering, and weekend events. We align landlord requirements, health code realities, and delivery exposures so your menu—and margins—stay protected.
What your policy can cover
General liability
Guest injuries, property damage, and advertising injury; often required in leases.
Business interruption
Helps replace income and pay expenses after a covered shutdown
Food spoilage & contamination
Coverage for lost food stock after power loss or refrigeration failure.
Workers’ compensation
Benefits for employee injuries; supports staffing stability.
Cyber liability
POS breaches, notification costs, and data restoration after a card compromise.
Commercial property
Dining room buildouts, kitchen equipment, inventory, and signage
Equipment breakdown
Mechanical/electrical failure for hoods, walk-ins, ovens, and point-of-sale hardware.
Liquor liability (if applicable)
Protection for beer/wine or full-liquor service per Texas rules.
Commercial auto & HNOA
Company vehicles and hired/non-owned auto for deliveries and catering.
Local insight
Built for Georgetown restaurants
Whether you’re a café off Williams Drive or a full-service spot by the Georgetown Square, we translate lease insurance clauses, add additional insured endorsements, and issue fast COIs. We’ll balance limits across general liability insurance, workers’ comp insurance, and commercial auto insurance so delivery, catering, and weekend pop-ups are covered without gaps.
Restaurant insurance FAQs
What coverages do most landlords require?
Typically general liability with specific limits, property coverage for tenant improvements, and proof of additional insured/waiver endorsements.
Is equipment breakdown different from property coverage?
Yes—property handles external perils (fire, wind). Equipment breakdown addresses internal failures like motor burnout or power surge.
How do I cover delivery drivers?
Use hired/non-owned auto when staff use personal vehicles; company-owned cars need commercial auto with proper symbols.
Does liquor liability apply if I only serve beer and wine?
Yes—alcohol service of any kind may require liquor liability and TABC-compliant practices.
Can business interruption cover food truck downtime?
If scheduled and endorsed properly. We’ll review mileage, events, and where the unit is stored to keep coverage active.
