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So far has created 28 blog entries.
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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2503, 2016

3 of the Most Notable Recent Liquor Liability Insurance Lawsuits in Texas

By |March 25th, 2016|Liquor Liability Insurance, News And Events|Comments Off on 3 of the Most Notable Recent Liquor Liability Insurance Lawsuits in Texas

If you run a bar, nightclub, tavern or other type of alcohol-serving restaurant in the state of Texas (or really anywhere in the U.S.) it’s highly recommended that you carry liquor liability insurance for your establishment. Specifically, a liquor liability policy covers legal fees and court costs for most alcohol-induced incidents that occur at your business in the event that you’re sued or found liable of some sort of altercation. These three recent liquor liability insurance lawsuits in Texas can serve as a great reminder as to why it’s so important to get insurance for bars, restaurants, and even events.

In the state of Texas, it’s not mandatory for alcohol-serving establishments to carry a liquor liability policy. While some establishments may be OK with gambling that they’ll never be roped into a court case, the old adage “better safe than sorry” is a fantastic reason for many bars to purchase a liquor liability policy.

For instance, if […]

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103, 2016

5 Tips on Insurance for Bars in Texas

By |March 1st, 2016|Bar & Tavern Insurance, Bar Insurance, Liquor Liability Insurance, News And Events|Comments Off on 5 Tips on Insurance for Bars in Texas

Owning your own bar or tavern in the “Lonestar State” can be a very rewarding – and a very lucrative – situation. And while mingling with customers, joining in the joy or heartbreak of your patrons based on how the big game ended and seeing new promotions or incentives pay off in sales can be satisfying, owning a bar isn’t all just fun and games. Insurance for bars can seem a little overwhelming, but it doesn’t have to be!

Yes, there’s a certain amount of risk associated with bar ownership that you have to be aware of also. Thankfully, your insurance coverage can eliminate much of this risk – but there are a lot of different aspects of coverage that you need to be mindful of when it comes to insuring your bar. Failure to have a certain type of coverage, for instance, can really come back to bite you.

In order […]

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1802, 2016

Dram Shop Bill Requiring Liquor Liability for Texans

By |February 18th, 2016|Liquor Liability Insurance, News And Events|Comments Off on Dram Shop Bill Requiring Liquor Liability for Texans

Do you operate an establishment in the state of Texas? Does the majority of your entity’s revenue come from alcohol sales? If you’ve answered “yes” to both of these questions, then you’d be required by law to acquire a liquor liability insurance policy – that is, should a bill proposed by Texas state representative Chris Turner be signed into law.

House Bill 409, which has been nicknamed the “dram shop bill,” was originally proposed by Turner in 2013, again in 2015 and was more recently re-filed for consideration in early 2016. According to a report from Claims Journal, the bill was originally proposed following a 2-year-old’s eventual death when the car he was riding in was hit by a drunk driver who had been over-served at a local watering hole. However, what may soon become mandatory for many restaurants in the state of Texas should serve as a stern reminder for restaurants, […]

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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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2001, 2016

The Liquor Liability Dice Roll You’re Missing

By |January 20th, 2016|Liquor Liability Insurance|Comments Off on The Liquor Liability Dice Roll You’re Missing

If you operate a bar or restaurant where adult beverages are served, you’re likely well aware of the risks you face – specifically, the risks that are tied to the alcohol that you sell. To review, alcohol affects the brain by interfering with its communication pathways, thereby potentially causing changes in mood, behavior and a lack of coordination among those who consume it. Now, that’s not to say that there’s nothing wrong with having a drink or two, but when one’s drinking gets out of hand, so does the likelihood that something can go awry. We’re talking about bar fights, injury and property damage.

And if something goes awry inside your establishment and you’re roped into an alcohol-related lawsuit over the incident, you could be forced to pay thousands of dollars out of pocket in court and attorney fees. That is, of course, unless you’re properly covered with Liquor Liability Insurance.
What […]

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601, 2016

Umbrella Insurance for the Bar Industry Explained

By |January 6th, 2016|News And Events|Comments Off on Umbrella Insurance for the Bar Industry Explained

The restaurant and entertainment business isn’t an easy one. In fact, it’s estimated that nearly two-thirds of all new eateries, cafes, bars, clubs and other food and entertainment venues will eventually close sometime within the first three years of their opening. Yes, it’s a tough business, one that requires business owners to work hard for long hours in an effort to establish themselves and gain traction in their market. And then, of course, there’s always the threat of lawsuits and other instances that can derail a business. It is 2016, after all, and food allergies, food contamination and other accidents from these aforementioned establishments all have the potential to lead to lead to expensive settlements if things go awry.

With that being said, picture this scenario for a moment: You’ve made it in the market to the point where you’re turning a healthy profit, your food and service is lauded by your customers and things are going […]

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312, 2015

Host Liquor Liability vs. Full Liquor Liability Insurance

By |December 3rd, 2015|Liquor Liability Insurance, News And Events|Comments Off on Host Liquor Liability vs. Full Liquor Liability Insurance

Ever wondered who’s responsible for the liquored-up actions of a restaurant patron, partygoer or wedding guest? Have you ever been in the somewhat uncomfortable position of serving alcohol to a wide variety of people, and not been quite sure whether or not it was a “safe” thing for you to do? Do you wish you could throw a fête without worrying about what will happen afterward?

These are common questions for executives, owners or others who want to wine and dine a crowd, but would rather not be held liable for the fender-benders (or worse) that could take place afterward. Ditto heads of establishments that serve alcohol on a regular basis. And who can blame them?

The good news is, there’s an insurance for that. If you don’t want to be responsible for property damage or bodily harm resulting from inebriation, host liquor liability insurance and full liquor liability insurance can help […]

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3011, 2015

Bar Insurance Budgeting Basics

By |November 30th, 2015|Bar & Tavern Insurance, Bar Insurance|Comments Off on Bar Insurance Budgeting Basics

There is so much more than meets the eye that goes along with owning and operating a successful bar in Sugar Land, Texas, or elsewhere in the U.S. for that matter. One thing that every bar, pub, beer garden, tavern, taproom, nightclub, alehouse, saloon, or sports bar that hopes to become successful needs is a solid insurance foundation.

Don’t make the mistake of thinking you can’t afford insurance because you’re just getting started or that there are more important things to invest in for your bar. The fact is, you can’t afford to be without bar insurance, especially bar liability coverage, in this litigious day and age. The good news is that insurance is more affordable than you’ve been led to believe – if you choose wisely and budget accordingly.

Understand How Bar Insurance Rates are Influenced

The more you understand about insurance rates and the things that affect them, the better able you […]

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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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