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503, 2015

Does Standard Restaurant Insurance Cover Alchohol Related Accidents?

By |March 5th, 2015|Liquor Liability Insurance, News And Events, Restaurant Insurance|Comments Off on Does Standard Restaurant Insurance Cover Alchohol Related Accidents?

Does Standard Restaurant Insurance Cover Alcohol-Related Accidents?

 

Picture this scenario. You own a restaurant. One night, a few guys come in for dinner and have a few drinks at your establishment. After enjoying some good food and strong drinks, they leave for the night. On the way home, one of those guys who is driving crashes his vehicle and causes a deadly accident. Guess who could possibly be held responsible for the damage? Your restaurant.

Dram shop laws were put in place to keep establishments that serve alcohol to patrons responsible accountable for any injuries, damages, or even deaths caused by intoxicated patrons. These laws can be enforced through civil lawsuits, and DUI victims and their families can sue alcohol-serving establishments for monetary damages. These lawsuits can result in huge financial payouts. For example, in one case back in 1999, a New Jersey jury awarded the family of a girl who was […]

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1202, 2015

The Risk Factors That Are Considered When Underwriting A Bar Insurance Policy

By |February 12th, 2015|News And Events|Comments Off on The Risk Factors That Are Considered When Underwriting A Bar Insurance Policy

The Risk Factors That Are Considered When Underwriting A Bar Insurance Policy
While running a bar can be a very rewarding business in a number of ways, the undeniable truth is there are numerous inherent risks that come with owning a bar. As a bar owner, it’s important that you do your part to limit these risks and minimize your exposure to protect your business interests. That’s why it’s so important to invest in a bar insurance policy that offers ample protection for your business.
When shopping around for bar insurance in Texas, it’s important to understand some of the challenges your business faces that can make it difficult to underwrite. That includes things like:

 

• Bars have a high failure rate. Some analysts believe that around 90% of all bars fail within their first year of business. Whether or not this number is right is up for debate, but the fact is […]

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2101, 2015

5 More Reasons Your Establishment Needs Liquor Liability Insurance ASAP

By |January 21st, 2015|Liquor Liability Insurance, News And Events|Comments Off on 5 More Reasons Your Establishment Needs Liquor Liability Insurance ASAP

If your bar or restaurant is one of the many rolling the dice by not having a liquor liability insurance policy, listen up. Every moment you go without liquor liability coverage is a moment where your entire business is on the line and could be taken away in the blink of an eye. Accidents can happen at any time without warning, and if an intoxicated patron harms himself or someone else, your business can face an enormous lawsuit. With that in mind, here are 5 more reasons your establishment needs liquor liability insurance immediately.
 1. It only takes one incident to bankrupt your business
As we said earlier, accidents can happen at any time. A patron who has had a little too much to drink could assault another customer or, even worse, get behind the wheel and cause a deadly accident. Without liquor liability coverage, your business could get sued to the […]

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601, 2015

The 7 Trendiest VIP Restaurant Treatments for 2015

By |January 6th, 2015|News And Events, Restaurant Insurance, Special Event Liability|Comments Off on The 7 Trendiest VIP Restaurant Treatments for 2015

In the highly competitive dining business, restaurants are going to greater lengths than ever before to attract VIP diners and create unique, one-of-a-kind experiences. VIP diners demand special treatment. They want privacy first and foremost, and they want their every need catered to. Often times, creating a VIP experience extends into every part of the restaurant, from the initial design and restaurant buildout to the menu and special surprises along the way. For 2015, here are the trendiest VIP restaurant treatments being tested out across the world.
1. Secret entrances:
A-list celebrities and political figures prefer to enter into a restaurant without being noticed. They don’t want to deal with the fanfare that comes with being known across the world while trying to enjoy a meal with their family or friends. That’s why many top restaurants now offer secret VIP entrances that allow elite diners to sneak in without getting spotted. Sometimes, […]

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2312, 2014

Insurance for Texas Bars: 5 Popular Myths Busted

By |December 23rd, 2014|News And Events|Comments Off on Insurance for Texas Bars: 5 Popular Myths Busted

For years, we have been providing insurance for Texas bars across the area, and during that time, we’ve worked with bars and clubs of all sizes. We’ve learned that shopping for bar insurance coverage is often seen as a complicated, overwhelming task for many bar owners, and some avoid getting coverage altogether, deeming it too much of a hassle and believing it to be unnecessary.

Unfortunately, the process is often complicated thanks to all the misinformation and myths that are thrown around. That’s why we’ve decided to bust these widely accepted bar insurance myths once and for all so you can get the simple information you need to protect your business:
Myth 1: You can’t get sued if you’re broke
This is one we hear all the team. For some reason, bar owners believe that if they don’t have a lot of assets, they can’t be sued. That’s wrong. No matter how small […]

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1811, 2014

Do I Need Insurance for My Restaurant in Texas?

By |November 18th, 2014|News And Events, Restaurant Insurance|Comments Off on Do I Need Insurance for My Restaurant in Texas?

As restaurant insurance agents who have been working with business owners across Texas for years, one of the most common questions we get asked is simply, “Do I need insurance for my restaurant in Texas?” As a business owner, your eyes are always on the bottom line, looking for ways you can increase profits and reduce expenses. So if you can get away without spending on extra insurance for your restaurant every month, it would only make sense to save that money. However, that’s not the case. Restaurant insurance is absolutely essential for all dining establishments.

Restaurant Insurance is an Investment, Not an Expense

While it’s tempting to skimp on restaurant insurance so you can save a few bucks each month, the truth is you shouldn’t view your insurance as another expense. It’s an investment, and in fact, it’s one of the most important business investments you can […]

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610, 2014

How Do I Get Restaurant Insurance?

By |October 6th, 2014|Restaurant Insurance|Comments Off on How Do I Get Restaurant Insurance?

 

Everywhere you look in a restaurant, there are risks. What if a cook slices his hand open in the kitchen? What if a server slips and falls? What if a diner gets sick from your food? What if a customer has a bit too much to drink, drives home, and gets in a wreck? Shall we go on?

The fact is that running a restaurant is a risky proposition, and the only way to truly mitigate these inherent risks is to insure your business.

Of course, getting setup with the right restaurant insurance coverage for your business isn’t quite as simple as snapping your fingers. With so many different restaurant insurance options available, it’s important that you do your research to understand the different kinds of coverage and find an experienced insurance agent who specializes in meeting the unique needs of the hospitality industry.

The right restaurant insurance policy will provide you with […]

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410, 2014

How Do I Get Liquor Liability Insurance?

By |October 4th, 2014|Liquor Liability Insurance|Comments Off on How Do I Get Liquor Liability Insurance?

 

Fact: If you own a business that serves alcohol, you need liquor liability insurance. That goes for bars, taverns, pubs, nightclubs, restaurants, brewpubs, and any other establishment that serves alcohol to patrons.

Liquor liability insurance is the only coverage that will protect you against a huge lawsuit resulting from a customer getting intoxicated and causing harm to himself or others.

Without liquor liability insurance, you run the risk of getting sued to the tune of tens of thousands or even millions of dollars.

Unfortunately, it’s estimated that only 1/3 of all establishments that should have liquor liability insurance actually have the coverage.

Some avoid purchasing this coverage because it can be costly, but it’s more than worth its cost in the value and protection it offers your business. Others don’t have liquor liability insurance simply because they don’t know how to get it.

Shopping for liquor liability insurance in Texas isn’t complicated. Here are a […]

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210, 2014

Insurance Tips for Liquor Liability Business

By |October 2nd, 2014|Liquor Liability Insurance|Comments Off on Insurance Tips for Liquor Liability Business

 

As the owner of a business or the host of an event that serves alcohol, you’ve undoubtedly heard the horror stories that come with being held legally responsible for the actions of intoxicated patrons.

A customer who has a little too much to drink isn’t just dangerous to himself and those around him; he’s also dangerous to your business and your livelihood.

If he causes harm to himself or someone else, your business could get sued for dram shop liability, and the costly court battles that follow could leave you bankrupt.

Liquor liability insurance will protect your business against lawsuits resulting from dram shop liability. All it takes is one incident to make your liquor liability coverage more than worth the cost.

Of course, just having liquor liability insurance isn’t the only step you need to take to protect your business.

That’s why it’s so important that any business serving alcohol get liquor liability insurance […]

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110, 2014

What are the Different Types of Restaurant Insurance?

By |October 1st, 2014|Restaurant Insurance|Comments Off on What are the Different Types of Restaurant Insurance?

 

Running a restaurant comes with a long list of unique risks. Not only are you up against the fact that about 90% of all restaurants fail within their first year of being in business, but you also have a whole host of other risks to contend with.

For example, what happens if a patron has a couple of alcoholic beverages and then hurts himself or someone else? Your business could be held liable. Or what if a diner gets sick after eating at your restaurant? Again, you could be responsible. Or what if a pipe bursts and ruins all of your
furniture and equipment? You could lose everything!

That’s why it’s so important for restaurant owners to insure their businesses. The right restaurant insurance policy can protect your business investment on all levels – from covering your actual building and its contents to protecting your business against lawsuits from patrons.

Restaurant insurance is the […]

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Food and Beverage Insurance Agency Houston

i've used FNBIA for the last 10 years for over 8 different bars and nightclubs that I've owned. The personal service and ability to have them on my speed dial

Jonathan W., Business Owner

My overall experience with FNBIA and its agents has been time effective and friendly. From my initial contact, FNBIA and its reps have maintained an open line of customer service

Daniel P, Restaurant Owner

It’s great doing business with a company that has several options. After shopping around a bit, they just seemed to know what they were doing. Glad I made the right

Sara M, Bar Owner

The guys at Food and Beverage Insurance Agency have covered my restaurants for years. I've had a few claims arise and they were prompt to put out the fires. Keep up the great work!

Michael M
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