What We Cover
The North Texas restaurant and hospitality scene is thriving — from upscale dining in Frisco to food trucks at McKinney farmers markets. But restaurants face a unique combination of risks that generic business policies don’t adequately cover: liquor liability, food contamination, employee injuries in fast-paced kitchens, and expensive equipment breakdowns.
Collin County Insurance Group has specialty market access for every type of hospitality business, with carriers who understand the industry and price accordingly.
Who Needs Hospitality Insurance
If you serve food, drinks, or provide lodging, you need specialized coverage. A customer who slips on a wet floor can file a $100,000+ claim. A patron who drinks too much at your bar and causes an accident makes you liable under Texas dram shop law. A kitchen fire that shuts you down for two weeks can cost more in lost revenue than the fire damage itself. We insure:
- Restaurants — fine dining, casual, fast casual, and quick service
- Bars and taverns — including late-night establishments with higher liquor exposure
- Craft breweries and distilleries — taprooms and production facilities
- Hotels and motels — property and liability packages
- Bed and breakfasts — including home-based operations
- Food trucks and concessionaires — mobile operations with unique risks
- Caterers and event planners — off-premises service coverage
- Special events — one-time liquor liability and event coverage
What We Cover
Liquor Liability is essential for any establishment that serves alcohol. Texas dram shop laws hold you liable if an intoxicated patron causes injury. We have access to Golden Bear, USLI, Kinsale, and IAT — carriers that specialize in this coverage and don’t penalize you with inflated premiums.
General Liability protects against slip-and-fall injuries, foodborne illness claims, and property damage to customers. Restaurant GL rates vary dramatically by carrier, and we shop the market to find competitive pricing.
Workers Compensation is critical in hospitality where burns, cuts, slips, and repetitive motion injuries are common. Kitchen and serving staff face real hazards daily. We also offer Texas Non-Subscription alternatives that can save 25–30%.
Commercial Property covers your building, kitchen equipment, furniture, inventory, and signage. Restaurant-specific policies include coverage for food spoilage due to power outages and equipment breakdown.
Business Interruption replaces lost income if a covered event forces you to close temporarily — fire, storm damage, or major equipment failure. For restaurants operating on thin margins, even a week of downtime can mean the difference between recovery and closing permanently.
Food Contamination / Spoilage covers inventory losses when a power outage, equipment failure, or contamination event ruins your perishable stock. This coverage also helps pay for the costs of a product recall if contaminated food reaches customers.
Industries We Serve
Our hospitality expertise extends to niche markets that many agents can’t place:
- Bars with late-night hours and high liquor-to-food ratios
- Restaurants with delivery operations
- Multi-location restaurant groups
- Resort and lodge properties
- Event venues with liquor service
- Food halls and shared kitchen concepts
Why Choose Collin County Insurance Group
Restaurant insurance is one of the most mis-priced coverages in the market. Many agents place hospitality clients with one carrier and call it done. We access specialty markets through Combined Group, Philadelphia Insurance, and Johnson & Johnson MGA to find the right coverage at competitive rates — especially for liquor liability, which can make or break your insurance budget.
One call gets your entire operation covered: property, liability, liquor, workers comp, and commercial auto for delivery vehicles.
What to Expect
When you call, we ask about your operation: type of cuisine, seating capacity, annual revenue, liquor sales percentage, number of employees, and loss history. From there, we shop your coverage across our specialty markets and present your options — usually within 48 hours. No high-pressure sales, just clear comparisons so you can make an informed decision.
Ready to protect your restaurant or hospitality business? Contact us for a free quote today.
