Customized Coverage for Restaurants, Cafes, and Food Service Businesses
Running a restaurant is more than serving great food — it’s managing risk, protecting your team, and keeping operations running smoothly.
At Galloway Insurance, we help restaurants across Marble Falls, Burnet, Horseshoe Bay, and throughout Central Texas protect what matters most with customized restaurant insurance packages designed for the food service industry.
Whether you operate a fine dining establishment, a food truck, or a family-run café, we’ll help you find the right policy for your unique business needs.
What Does Restaurant Insurance Cover?
Our restaurant insurance programs may include the following coverages:
- General Liability Insurance – Covers bodily injury and property damage claims from customers or vendors.
- Commercial Property Insurance – Protects your building, furniture, kitchen equipment, and inventory from fire, theft, or natural disasters.
- Liquor Liability Insurance – Covers alcohol-related incidents if you serve or sell alcohol.
- Workers’ Compensation – Covers medical bills and lost wages for employees injured on the job.
- Food Contamination and Spoilage – Protects against losses due to power outages or equipment failure.
- Business Interruption Insurance – Covers lost income if your restaurant must close due to a covered event.
- Commercial Auto Coverage – Protects delivery vehicles or catering vans.
- Cyber Liability – Covers data breaches or payment processing risks for restaurants using digital POS systems.
We tailor coverage to match your risk exposures — no unnecessary extras, just what you need.
Who Needs Restaurant Insurance?
We insure all types of food businesses, including:
- Sit-down restaurants and bistros
- Quick-service and fast-food chains
- Coffee shops and bakeries
- Food trucks and trailers
- Caterers and private chefs
- Bars, breweries, and wine lounges
If you serve food to the public, you need restaurant insurance to comply with Texas laws, meet lease requirements, and protect your business from unexpected losses.
Why Choose Galloway Insurance?
- Access to multiple carriers offering specialized food service programs
- Expert agents who understand the unique risks of running a restaurant
- Local service with fast responses when questions or claims arise
- Affordable bundled coverage options to simplify your protection
Our Promise: Insight, Expertise and Relationsip
At Galloway Insurance, we believe in more than just selling policies —we’re here to build lasting partnerships with Texas business owners.
- Insight—We understand your needs.
- Expertise—We understand Insurance.
- Relationship—You will love doing business with us, we care.
- Here to Help—When you call, we answer… When you come by, we’re here.
- Community—We make significant investments in our community because of your choice to do business with us.
Frequently Asked Questions (FAQs)
Is restaurant insurance required in Texas?
While not mandated by law, most landlords, lenders, and vendors will require proof of general liability and workers’ comp coverage before doing business with you.
Do I need liquor liability insurance if I serve alcohol?
Yes. If your restaurant serves or sells alcohol, liquor liability insurance protects you from lawsuits resulting from alcohol-related incidents.
What’s the difference between business interruption and property insurance?
Property insurance covers damage to your restaurant, while business interruption covers lost income if you have to temporarily close due to a covered event.
Can I get coverage for spoilage from a power outage?
Yes. Spoilage coverage is an optional endorsement that protects you if food is lost due to equipment failure or power loss.
How much does restaurant insurance cost?
Premiums vary based on your location, size, payroll, alcohol sales, and claims history. We’ll shop rates from multiple carriers to find you the best value.