Texas Italian Restaurant | Restaurant and Bar Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas

You Provide An Important Service, Let’s Help Protect Your Business

Restaurant and Bar Insurance in Texas

Texan food service, restaurant, and bar owners work long hours feeding and entertaining the state’s hungry citizens. According to the Texas Restaurant Association, Texas has nearly 40,000 restaurants that employ well over a million people – 10 percent of the state’s jobs.

But restaurants and bars have unique insurance needs in order to protect them from liability. Whether insuring a barbecue shack or an upscale steakhouse, consulting with an independent insurance agent leads to the necessary restaurant and bar insurance coverage.

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Texas Roadhouse Restaurant | Restaurant & Bar Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas

Types of Restaurant and Bar Insurance Coverage

As places where customers eat, drink, linger and let their proverbial hair down, all kinds of things can happen at a food establishment. Owners have to be prepared for a variety of risk scenarios.

Hettler is a full service insurance agency and has worked with large chains to local establishments in Lubbock, Texas, and other cities. Let our family work with yours to protect your business. We are licensed to sell from multiple carriers, and offer every policy a restaurant or bar in Texas would likely need. As your independent agent, we look forward to extending your coverage while helping you save money.

Some of our carriers include: Liberty Mutual Insurance, Travelers, Hartford, Amtrust, BerkShire Hathaway’s Guard, CNA, and Insuror’s Indemnity Companies.

Texas Roadhouse Restaurant | Restaurant & Bar Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas
A Business Owner’s Policy (BOP) combines basic and required insurance necessities, such as general liability insurance, workers’ compensation, property insurance and loss of income insurance. Learn more about a BOP.

If you sell liquor, then Liquor Liability Insurance is required. These policies are vital to Texas bars, nightclubs, brewpubs, and for any restaurant that sells liquor. Texas’ dram shop liability laws – part of the state’s Alcohol Beverage Code – hold servers responsible for alcohol-related injuries and accidents. This applies when a bartender or waiter serves a minor, or over-serves any intoxicated customer. Drunk driving accidents are the most common application of this law, but many scenarios are possible. For example, after a 2010 bar brawl between a wedding party and a fraternity reunion at a Lake Conroe resort, the Texas Supreme Court held the resort bar liable for $1.5 million in damages.

This policy covers a restaurant’s delivery or food trucks. This is Texas, and food trucks are popular in nearly every major city, not just Austin! Food truck insurance is unique in that it combines vehicle insurance with a more comprehensive business owner policy.

More than 250 different foodborne illnesses are known to scientists. A 2016 salmonella outbreak in Odessa closed a Mexican restaurant after 20 diners got sick. Coverage add-ons like Food Spoilage Insurance can help a restaurant weather a similar crisis. It can also cover a loss of inventory, due to food that spoils or goes past the due date.

Restaurants and bars face many factors beyond their control. What if profits plummet because of ongoing road construction in front of your restaurant? Loss of Revenue Insurance can keep you afloat.

Testimonial from Owner of KJ Works

Company: KJ Works

Policies with HIA: General Liability, Contractors Policy, Inland Marine, Commmercial Auto and Worker’s Comp.

Industry: Residential and Commercial Construction

Working with Hettler Insurance Agency has made my life less stressful in various ways. I was switching over from a previous insurance company and they made sure to find me the best prices that would benefit me in the long run. If I ever have any questions about anything regarding my policies, HIA is very easy to get in contact with.

Choose Your Insurance Type!

Vehicle Insurance

Insurance protection for the vehicles that matter most to you.

Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
Boat and Watercraft Insurance – We cover boats of all sizes.

Property Insurance

Insurance protection for the property that matters most to you.

Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.

Commercial & Business Insurance

Coverage that helps protect your business

Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.

Life/Health Insurance

Insurance protection for your family’s health.

Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.