Restaurant Insurance

//Restaurant Insurance
2811, 2018

Restaurant Insurance 101: From Basic Coverage To Liquor Liability Coverage

By |November 28th, 2018|News And Events, Restaurant Insurance|Comments Off on Restaurant Insurance 101: From Basic Coverage To Liquor Liability Coverage

When you have the best restaurant insurance, the worries fade and allow you to focus on what matters most: Your food and customers.

Opening a restaurant is a dream many people work to make a reality. When you compare the excitement of opening a restaurant to deciding on which insurance coverage will best suit its needs, there’s no contest. However, when you consider its sole purpose being to protect your business from issues like lawsuits, loss of income or property damage, knowing exactly what you need and having the best coverage is the only to mitigate your risks of losing what you worked so hard to accomplish. Before you decide on coverage that best fits your needs, here’s everything you need to know about restaurant insurance coverage in Texas!
The Different Types of Restaurant Coverage
From broken equipment to liability lawsuits, restaurant insurance is there to protect you from a variety […]

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1209, 2016

5 Steps to Creating a Safe Work Environment

By |September 12th, 2016|Bar & Tavern Insurance, Bar Insurance, Restaurant Insurance|Comments Off on 5 Steps to Creating a Safe Work Environment

When it comes to the bar and restaurant business, the environment poses many various physical and psychological risks for employees. The numerous risks can range from minor injuries, poor safety conditions causing wounds and infections, to serious hazards such as fires. However, almost all of these dangerous and costly incidents can be prevented, and if not completely, the damage caused could at least be limited.

It is time to be proactive about creating a non-hazardous environment and promote safety in the workplace. Here are five things bars and restaurants owners/operators should start considering.
5 Steps to Creating a Safe Work Environment:

   Video Surveillance

Having video surveillance in the service areas can keep employees accountable when it comes to keeping the areas clean and following proper safety and hygiene guidelines and protocols.

In addition, when accidents actually do happen, managers can figure out what really happened and what caused the accidents in order to prevent […]

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102, 2016

Insurance Policy Checkup: Is Your Restaurant Covered?

By |February 1st, 2016|Bar & Tavern Insurance, Bar Insurance, Liquor Liability Insurance, Pub Insurance, Restaurant Insurance, Special Event Liability|Comments Off on Insurance Policy Checkup: Is Your Restaurant Covered?

The right insurance policy may not always be fun to pay for, but it’s essential when it comes to protecting your property – or in this case, your business. Yes, when it comes to safeguarding your restaurant, there are a lot of different factors that you have to consider. This is especially true if your restaurant also includes a bar or serves alcohol. On that note, it’s always good to give your business a regular checkup to make sure that you’re covered to the extent that you should be. Read on for more information about the coverage that you can’t afford not to have if your business meets certain criteria.
Insurance Policy Must-Haves
If there’s one type of insurance that you want to make absolutely sure your restaurant has, it’s general liability. Specifically, general liability protects your business from both known and unknown risks. With general liability insurance, things like lawsuits resulting from […]

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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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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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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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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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209, 2014

What is Restaurant Insurance?

By |September 2nd, 2014|Restaurant Insurance|Comments Off on What is Restaurant Insurance?

The restaurant business is one of the most competitive businesses of them all.

It has been said that 9 out of 10 restaurants fail in their first year. That’s 90% of all restaurants! Needless to say, the odds are already stacked against you as a restaurant owner, and the last thing you need to do is put yourself in an even more precarious situation by not getting restaurant insurance.

Simply put, if you don’t have restaurant insurance, you’re at a huge risk for lawsuits, property damage, loss of income, and a whole host of other issues that could shut down your business.

What is restaurant insurance? Simply put, it’s a policy (or combination of policies) that provides special coverage to restaurant owners to protect their business.

A comprehensive restaurant insurance policy could protect your building and its contents in the event of damage or a loss, cover your income if you have […]

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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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