Restaurant Insurance
From the Kitchen to the Counter, Every Operation Is Different.
A neighborhood café doesn’t have the same risks as a full-service restaurant with a bar — and a caterer or food truck brings an entirely different set of exposures. That’s why we start by learning how your business operates.
At Lieck Insurance Agency, we’ll learn how your business operates and shop the carriers we represent to help build coverage around your kitchen, your property and the risks you actually face.
Restaurants & Food Businesses We Can Help
From the kitchen to the counter, every operation is different — and so is the coverage it needs.
Don’t see your business listed? That’s okay. These are just a few of the food-service businesses we may be able to help insure.
It Doesn’t Take Much to Disrupt a Busy Restaurant.
Something Happens in the Kitchen.
Hot surfaces, open flames, cooking equipment, grease and electrical equipment create risks that most businesses simply don’t have.
A Customer or Employee Gets Hurt.
A wet floor, hot plate, broken glass or busy kitchen can lead to an injury — and potentially a costly claim.
The Refrigerator Stops Working.
A power outage or equipment failure can mean thousands of dollars of spoiled food before you ever open the doors.
You Have to Close the Doors.
A covered property loss can cost you more than repairs. Every day you’re closed can mean lost sales while expenses continue.
You Serve Alcohol.
Serving alcohol can create an entirely different liability exposure. If alcohol is part of your business, we’ll make sure it’s part of the insurance conversation.
Coverage Built Around Your Restaurant
Business Owners Policy (BOP)
For many qualifying restaurants, a BOP can combine important property and liability protection into one policy.
General Liability
Helps protect your business against certain claims involving customer injuries, property damage and other liability exposures.
Commercial Property
Helps protect your building, kitchen equipment, furniture, point-of-sale equipment and other business property against covered losses.
Equipment Breakdown & Food Spoilage
A failed refrigerator, freezer or other critical equipment can create two losses at once — the equipment itself and the inventory inside it. Available coverage may help protect against qualifying losses.
Business Income
If a covered loss forces you to temporarily close or reduce operations, business income coverage may help with certain lost income and continuing expenses.
Liquor Liability
If your restaurant serves alcohol, liquor liability can help protect against certain claims arising from alcohol served by your business.
Workers' Compensation
Restaurant employees work around hot surfaces, sharp objects, slippery floors and heavy equipment. Workers’ compensation can provide benefits for qualifying work-related injuries and illnesses.
Commercial Auto
Restaurants with company-owned vehicles, catering operations or delivery services may need commercial auto coverage.
Cyber Liability
Online ordering, POS systems and electronic payments create exposures involving customer information and computer systems that traditional property coverage may not address.
Why Restaurants Choose Lieck Insurance Agency
We Look Beyond the Menu.
Two restaurants can serve similar food and have completely different insurance needs. Cooking methods, alcohol sales, employees, delivery, catering, equipment and building arrangements all matter. We take the time to understand the entire operation.
Multiple Carriers. More Options.
We're an independent agency, so we're not limited to one insurance company. We'll shop the carriers we represent to help find the right combination of coverage and price for your business.
Local. Independent. Easy to Reach.
When you need a certificate, have a coverage question, make a change or need help with a claim, you shouldn’t have to wonder who to call. We’re a local New Braunfels agency that’s here when you need us.