What insurance do Texas restaurants need?

A commercial package: general liability, commercial property, business income, workers compensation, liquor liability (when alcohol is served), and food spoilage. Texas's climate notes: Workers compensation in Texas is elective for most private employers, but most contractors carry it for contract reasons. Hailstorm exposure significantly impacts property rates. TDLR registers amusement rides annually.

Is liquor liability required in Texas?

Texas liquor liability requirements vary by license type and venue contract. Most landlords and franchisors require it as a condition of operating.

Is workers compensation required for Texas restaurants?

Texas requires workers compensation at no minimum or more for construction; no minimum or more for non-construction. Most full-service restaurants exceed the threshold once front-of-house and kitchen staff are counted.

Do you cover Texas food trucks?

Yes. Texas food truck operators get a packaged policy: commercial auto on the truck, GL with the truck named as a covered location, inland marine on equipment, and (when applicable) liquor liability.

Veteran-Owned · DeLand, Florida

Texas Restaurant Insurance

Texas restaurant insurance from a veteran-owned Florida agency licensed in Texas.

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Veteran-Owned
100+ Yrs Experience
Fast Certificates
Real Agents
Florida Experts

Veteran-Owned
Independent agency
100+ Years Combined
Commercial expertise
Florida-Resident
DeLand, FL office
24-Hour COIs
Most certificates same business day

Trusted Carrier Partners

Why First Commercial

Why Florida Businesses Choose Us

We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.

100+ Years Combined
Deep commercial insurance knowledge across our team.
We Answer the Phone
Real Florida agents — never a call center, never a chatbot.
Veteran-Owned Agency
Independent, veteran-owned, headquartered in DeLand, FL.
24-Hour Certificates
Most COIs and additional-insured endorsements issue same business day.

Who we cover in Texas

Full-service restaurants, bar-and-grills, fast casual concepts, fine dining, food trucks, ghost kitchens, and bars with limited food service.

What Texas requires

Workers compensation threshold: no minimum or more employees for construction; no minimum or more for non-construction.

Texas climate and risk considerations

Workers compensation in Texas is elective for most private employers, but most contractors carry it for contract reasons. Hailstorm exposure significantly impacts property rates. TDLR registers amusement rides annually.

Hailstorms (Tornado Alley)
Tornadoes
Extreme heat
Drought

Common Texas venue requirements

Most Texas venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common Texas markets we issue certificates for:

Houston corporate, school, and county venues
Dallas-Fort Worth corporate, school, and county venues
Austin corporate, school, and county venues
San Antonio corporate, school, and county venues
El Paso corporate, school, and county venues

What affects cost in Texas

Texas restaurant insurance premium depends on concept type, square footage, alcohol service model, claims history, and named-storm exposure. Workers compensation in Texas is elective for most private employers, but most contractors carry it for contract reasons. Hailstorm exposure significantly impacts property rates. TDLR registers amusement rides annually. Texas workers compensation is required for non-construction businesses with 0 or more employees.

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