Owning a restaurant and bar has its own set of unique challenges. While customer and employee issues can be common in any business, adding the elements of hot-cooked food, alcohol, and increased interactions between staff and clients can add challenges.

At Outdoor Insurance Services, we serve the Houston, TX, area with commercial insurance for various businesses, including restaurants and bars. Here are ways we can help protect your food and beverage enterprise.

Theft Protection

Theft is frequently an issue with bars and restaurants. Business insurance can provide financial protection from both outside and inside theft.

Liability Coverage

Food and beverage spills can create walking hazards quickly. A slip-and-fall injury claim can be expensive. Business insurance can cover any legal fees involved in a lawsuit and the costs of any settlement or judgment.

Loss of Income

A kitchen fire, natural disaster, or other issue can quickly shut down a restaurant or bar. Business income replacement coverage can keep you afloat while you recover from a covered incident.

The restaurant and bar industry is full of unique challenges. Customers can be over-served when it comes to alcohol. In such a cash- and credit-card-dependent business, theft can always be a problem. Improperly prepared food can create a danger for clients and customers. Ensure you are covered with restaurant and bar business insurance from Outdoor Insurance Services of Houston, TX.

Having appropriate and sufficient business insurance can help provide peace of mind while protecting your business and efforts. Contact us to review your present coverage and to get an updated quote. We look forward to assisting you.

If you’re in the process of opening a bar or pub in Houston, TX, congratulations! You’ve taken the first step towards owning your own business. As you already know, there’s more to opening a business than just hanging a sign outside and waiting for customers to come in. Outdoor Insurance Services is here to answer your questions.

Liquor Liability Insurance

If you plan on serving alcohol at your bar or pub, then you need to have liquor liability insurance in place. This type of insurance protects you from lawsuits that may arise from incidents that occur on your premises. For example, if a patron gets into a fight at your bar and someone is injured or drinks too much and gets into an accident after leaving your establishment, you could be held liable. 

Property Insurance

Property insurance protects your business in the event of damage to your physical property due to fire, theft, vandalism, or other covered events. This type of coverage is important for any business owner. Still, it’s especially important for those in hospitality because your property will likely see more wear and tear than other businesses. 

Cancellation and Postponement Insurance

Cancellation and postponement insurance protects you from financial losses if you cancel or postpone an event for a covered reason, such as severe weather or illness. This coverage is important for any Houston, TX business that hosts events like weddings or corporate parties. 

As a new bar or pub owner, it’s important to ensure you have the proper insurance coverage before you open your doors for business. Contact Outdoor Insurance Services, and we’ll help you get the coverage you need to get going!

Restaurants, bars, and various other forms of establishments that sell alcoholic drinks tend to bring together people for fun and entertainment. However, in the event that an incident occurs, you need to ensure that your Houston, TX business is properly protected. You can do this with a liquor liability insurance policy from Outdoor Insurance Services. 

Who Even Needs Liquor Liability Insurance?

If your business makes, serves, or sells alcohol, you need this type of insurance. So, if you own or run a restaurant, bar, nightclub, winery, or distillery, you should seriously consider investing in this type of policy.

With intoxicated patrons, people are more likely to get into fights and get injured. With this type of insurance policy, you won’t need to concern yourself with the legal or financial responsibility of the related consequences.

What Does Liquor Liability Insurance Cover?

This type of insurance covers two primary forms of damages: 1) personal injuries and property damage caused by intoxicated individuals; and 2) the legal costs you’ll be required to pay in order to defend yourself and your establishment against lawsuits that may arise as a result of those incidents.

For instance, if an intoxicated patron stumbles and knocks the phone of a friend onto the ground, your insurance is likely to cover the repairs of that phone as well as any medical expenses that may arise. In addition, liquor liability insurance tends to cover damages caused by battery, sexual adult, and even drunk driving collisions.

What Does Liquor Liability Insurance Not Cover?

Although this is an important insurance policy for your business, it simply won’t cover everything your business will encounter. For instance, if you have individuals in your establishment who are underage and drinking alcohol and end up getting hurt, your policy will not provide coverage for these losses. It is up to you to ensure each customer provides you with a valid ID.

In the event that a customer slips, falls, and breaks a table, your policy will not provide coverage for damage to your own business property. You will simply be responsible for purchasing a brand-new table out of your own pocket. In addition, it won’t cover libel, slander, and the like.

If you have questions about liquor liability insurance or would like to invest in this type of policy to help protect your establishment, contact an agent at Outdoor Insurance Services. Serving the Houston, TX area, our insurance company can help your liquor establishment obtain the insurance coverage it needs to operate with a little bit of peace of mind.

Owning a small business is risky. Restaurants are particularly vulnerable to the many vagaries out there. Having commercial insurance offers a layer of protection that makes it more difficult for things to cause your business to fail. At Outdoor Insurance Services in Houston, TX, we aspire to be the insurance agency you turn to when you want the best service and insurance products. No matter what you need, we want to be there for you. 

Like most commercial insurance, restaurant insurance is designed to cover the risks that your particular business may face. One of the primary types of commercial insurance that almost every business can benefit from is liability insurance. Liability insurance protects small businesses from lawsuits brought against them. Restaurants are vulnerable on a bunch of different fronts. It can be a slip and fall accident, food poisoning, employment practices and if you serve alcohol, that makes you even more vulnerable. 

Commercial property insurance is also very much something that a  restaurant needs to worry about. You can’t produce food if any of your equipment is damaged. You also can lose power when a covered hazard hits and the food that you have in your fridge and freezer may be lost. Fire is a particular hazard for restaurants and can damage not only the kitchen but the dining area. 

Business interruption insurance is also something that a restaurant can count on to help survive something like a fire or the damage from a tornado. If you aren’t selling any meals, it is hard to pay rent, bills, and payroll. Business interruption insurance can give you the boost you need when times are rough. Bills and payroll don’t stop just because your income has dried up. 

Contact Outdoor Insurance Services in Houston, TX with all your commercial restaurant insurance needs.