Texas Business Insurance/Business Interruption Insurance

Restaurant Insurance in Texas

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Do I Need Restaurant Insurance In Texas?

Opening a restaurant is a labor of love. It takes  a serious investment in time, resources and capital to put the restaurant together and make it work. Restaurant Insurance in Texas is important in protecting that investment.   ConXis Insurance Services understands this and realizes that you need a trusted professional to help guide you through the process of customizing the right restaurant insurance in Texas to guide you through the process.  As an independent agent we have multiple sources to find the right carrier for you.

What Types of Insurance Do I Need To Open A Restaurant in Texas?

  •  Liability policy – General Liability Policy  insurance provides the insured party with protection against claims resulting from injuries and damage to people or property. Liability insurance policies cover both legal costs and any payouts for which the insured party would be responsible if found legally liable.
  • Property Policy – Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person other than the owner or renter if that person is injured on the property. The  endorsements  listed  below  are options  you should  consider when buying your restaurant insurance in Texas.
      • Business Interruption – provides coverage for lost earnings that replaces income lost in the event that business has stopped operations for some reason, such as a fire or a natural disaster. This type of insurance also covers operating expenses, a move to a temporary location if necessary, payroll, taxes, and loan payments
      • Equipment breakdown –  provides coverage for a loss caused by mechanical or electrical breakdown for most types of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
      • Spoilage of Perishable Goods –  pays for spoilage of food and other goods that have resulted due to equipment malfunction or power surge.
  • Business Owner Policy – Combines both the property policy and the General liability policy. Generally at a lower rate than having two separate polices.
  • Commercial Auto – Commercial auto insurance covers the cost of accidents involving business-owned vehicles. It also covers vehicle theft, vandalism, and certain types of vehicle damage.
  • Workers Compensation– Workers’ compensation pays for medical care to treat employees who are injured or become ill because of their jobs. It might also pay some of their lost income. If an employee dies because of a work-related injury or illness, it pays burial expenses and benefits to the employee’s family.
  • Liquor Liability – Your restaurant serves alcohol an third party (one of your patrons)   decides to sue you as a result of them being injured by drinking at your restaurant.
  • EPLI– (Employment Practices Liability Insurance ) –  this is designed to cover lawsuits from employees for alleged claims of workplace harassment, discrimination, hostile work environment, or wrongful termination. The insurance can cover  legal fees , settlements,  lawyers fees , other miscellaneous expenses associated  with the lawsuit.
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Get in touch with us today and let’s start transforming your Restaurant Insurance in Texas.

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Insurance Made Easy

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 Discover the ConXis Advantage

  • Independent Agency

  • Work For You Not The Carrier

  • Work With Over 75 Carriers

  • Rates Competitive

  • Represent Multiple Carriers

  • Use “A” Rated Financially Strong Carriers 

  • Find Best Coverage and Price For You

  • Design Coverage Specifically for You

  • Transact Business with Latest Technology

  • Explain Coverage to You

ConXis Insurance Is There For You. We Write Insurance in All of Texas.

If your business is large or small, in a big city or small city we have multiple carriers to choose from.

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We Build Relationships

Our goal is to work with you and be life long business partner

Proprietary Processes

We work with each carrier as your advocate to get you the best coverage and rate available.

What Our Clients Say

Some kind words from our respected clients

“Fantastic!”

“Chris has handled both my personal and business insurance needs in both a timely and professional manner.   He’s easily accessible and very responsive.  I’ve referred business customers of mine to him and he’s treated them the same way he did me.  I would highly recommend Chris for all your insurance needs.”

Steve Jones-  SRJ Financial

“Partner”

“Appointing Chris as our broker to all of our policies has been a key decision in our business. We’ve worked with multiple brokers over the last 13 years and Chris has been great to work with. Chris has spent time to ensure we, as his clients, understand what the policy entails and does/ does/not cover in order to make the most educated decisions for our business.  Chris cares about our business and for creating a long-term relationship with us, he has explained our workers compensation insurance and MOD impact like no one else has. We cannot thank Chris Enough for everything he has brought to our business.”

Mary Arcila- Servpro Yorba Linda/Brea

“Experts!”

“Great all-around Insurance agent!!! Very efficient and good with communication. Takes time to listen to the client and make sure they not only have the best price, but that they have the proper coverage for when you need the insurance. My family and I know we are safe and protected with Chris”

Chris Stearns