Texas Full-Service Restaurants & Steakhouses Insurance
Underwriting brief for Texas full-service restaurants (20,198 active Texas establishments across 212 counties). We compare 30+ TDI-admitted and specialty commercial carriers for full-service restaurants with fast Certificate of Insurance (COI) turnaround.
Texas Full-Service Restaurants Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 722511 — Full-Service Restaurants
- NCCI Workers' Comp Codes
- 9079 (Restaurant NOC), 9058 (Hotel/Restaurant)
- ISO GL / Coverage Form
- 16910 (Restaurants — With Table Service & Bar)
- Texas Regulator / Spec
- TABC Liquor Liability (Tex. Alco. Bev. Code Ch. 2) & DSHS Food Rules
Texas full-service restaurants serving beer, wine, or mixed drinks face Dram Shop civil liability under Tex. Alco. Bev. Code §2.02 and require UL-300 Ansul hood compliance.
Where Full-Service Restaurants Cluster in Texas
- Harris: 3,473 firms (17.2% of TX) • 88,018 employees
- Dallas: 2,080 firms (10.3% of TX) • 48,484 employees
- Bexar: 1,478 firms (7.3% of TX) • 36,082 employees
Primary Loss Exposures
- Grease-hood fires, dining-room slip-and-falls, and foodborne illness outbreaks.
- Texas Dram Shop claims from over-served patrons involved in post-dinner DUI crashes.
- Walk-in cooler compressor failures spoiling $15K–$50K in prime beef and seafood.
Key Endorsements We Verify
- Texas Liquor Liability (Dram Shop) with Assault & Battery sublimit
- Equipment Breakdown & Food Spoilage + Utility Service Interruption
- Employment Practices Liability (EPLI) for tipped-wage, scheduling, and harassment claims
Full-Service Restaurants Insurance FAQs
Does a standard restaurant BOP include Liquor Liability in Texas?
No—BOPs exclude businesses that manufacture, sell, or serve alcohol. You must add a Liquor Liability coverage part to protect against Texas Dram Shop lawsuits.
What does Food Spoilage cover in a restaurant BOP?
It reimburses spoiled inventory caused by mechanical breakdown of walk-in coolers/freezers or an off-premises Texas power outage.
Why do restaurant landlords require Plate Glass and Tenant Improvements coverage?
Retail leases make the tenant responsible for storefront glass and interior kitchen/bar buildout improvements.
Are kitchen burns and knife cuts covered under GL?
No—employee injuries are excluded from GL and require Texas Workers' Compensation (NCCI 9079).