Hospitality Insurance Programs in Texas
Specialized coverage for restaurants, bars, caterers, food trucks, and mobile food vendors across Texas.
Our Hospitality Programs
🍽 Restaurant Insurance
Coverage designed for full-service restaurants, fast casual concepts, fine dining establishments, franchise operators, and multi-location groups.
🍸 Bar & Nightclub Insurance
Liquor liability, assault & battery endorsements, and underwriting tailored for nightlife exposure.
🎉 Catering Insurance
Event liability, liquor liability, inland marine coverage, and mobile exposure protection.
🚚 Food Truck Insurance
Commercial auto, product liability, equipment breakdown, and spoilage coverage.
🛻 Food Trailer Insurance
Trailer physical damage, liability separation, propane exposure rating, and event underwriting.
Core Hospitality Insurance Coverages
- General Liability Insurance – Slip & fall claims, foodborne illness, third-party property damage.
- Liquor Liability (Dram Shop) – Protection involving intoxicated patrons.
- Commercial Property Insurance – Buildings, leasehold improvements, equipment, and contents.
- Equipment Breakdown Coverage – Ovens, refrigeration units, HVAC systems, specialty equipment.
- Spoilage Coverage – Food and beverage inventory after mechanical failure or outage.
- Business Income Insurance – Revenue replacement after covered loss.
- Utility Services – Time Element – Income loss from off-premises power outages.
- Workers Compensation – Employee injury protection.
- Commercial Auto Insurance – Required for delivery, catering, and mobile vendors.
Serving Hospitality Businesses Across Texas
Houston • Galveston • Clear Lake • Webster • League City • Pearland • Pasadena • Austin • Dallas • San Antonio
86 The Risk is a hospitality insurance division of McCorkle Insurance with 40+ years protecting Gulf Coast businesses.