Are you tired of searching for “Restaurant & Bar Insurance Katy Texas?” Get in touch with Texas Insurance Agency to secure the safety of your business. Business owners of restaurants and bars will find comfort in knowing their business is safe and secure. Get in touch with an insurance agent today at Texas Insurance Agency so you can keep yourself and employees safe.
Texas Insurance Agency offers numerous types of insurance that any business owner would find beneficial. We understand how important your business is to you. It may be the sole thing you have poured your heart and soul into. Furthermore, you have put a lot of time and money into your business. So, obtain business and commercial insurance so you can keep it secure.
Texas Insurance Agency is an independent commercial and business insurance broker, so you will get to know us personally. You won’t have to call a person hundreds of miles away or listen to a robot. You’ll get true heartfelt humans at the Texas Insurance Agency. We offer 12 different business insurance providers, so you have plenty of choices when working with us.
Commercial insurance coverages are a must for any business in the Katy, Texas area. Large and small businesses will certainly benefit from this type of insurance and so many more. There are numerous benefits of insuring your business. Above all, we want you to be able to afford insurance while also maintaining your business. We can help you reach that goal.
Risk Management with Restaurants and Bars
Restaurants and bars are incredibly susceptible to risks and lawsuits. Both of these places have a wide range of people visiting. Additionally, if alcohol is in the mix, then things could go south very quickly. These businesses also need to keep their employees and customers safe from the food. The first line of defense for that is proper food management.
However, mistakes are made, and bad food is served. That can cause customers to get sick, and they may cause legal issues. Your business should also have worker’s compensation insurance for your employees. Working with knives, ovens, deep fryers, and other potentially dangerous equipment can cause injuries. Protect your business by obtaining essential insurance.
Texas Insurance Agency Business Insurance
Texas Insurance Agency offers many types of business insurance, and we have already mentioned a few above. Worker’s compensation insurance and general commercial liability are just a few. Each of these insurances is crucial for any type of business, including bars and restaurants. Below, each of the types of insurance your business needs is detailed in how it can help you and what it can do.
Commercial General Liability
Commercial general liability insurance is a must-have for any business, but especially those here in the Katy, Texas area. It provides essential protection for your business. It will help your business stay afloat in financial peril. Every business is always at risk of injuries, lawsuits, and accidents. This type of insurance will help you recover from such issues and is general insurance.
General liability insurance does not cover every risk a business may experience. There are also many levels of general liability insurance. Some coverages only cover accidents that happen on the premises of the company, or it could cover the injury from a product that may not be on the property. Regardless, your restaurant and bar need this type of insurance.
Commercial umbrella insurance covers numerous different areas of a business. It will protect the business from further financial loss that the general liability would not do. The umbrella policy does not start until the supplementary policies reach their limits. Simply, once the general liability policy reaches its cap, the umbrella insurance will cover the overspill. Commercial umbrella insurance covers many types of areas such as:
- Personal injury
- Liquor Law
- On-Site Accidents
These areas are always important when it comes to protecting your business from potential financial loss. Texas Insurance Agency wants to work closely with you to protect your business and the people who interact with your business. The sole reason you may be purchasing restaurant insurance is to protect yourself, but it provides a lot of protection for employees and customers.
Worker’s Compensation Insurance
Worker’s compensation insurance is another necessity for restaurants and businesses. As aforementioned, knives, ovens, glass, and other machines can cause injuries to your employees. Of course, these are the main areas of concern. It does not include unforeseen accidents like a bad fall or slip. No matter what your employees may experience, they need to be protected.
Accidents happen, and worker’s compensation insurance will help you cover those injuries. Worker’s compensation covers the medical care and rehabilitation bills required to treat the employees. These injuries must occur at work for compensation to work. Injuries are also not the only kind of ailment that is covered. Disease caused by work activities can also fall under this type of insurance.
Additional coverages include lost wages, economic loss compensation, legal fees from a lawsuit, and death benefits to the next of kin. These features are essential for any business and cover the worst of the worst. The last thing a business owner wants is someone dying in their business, but they have to protect themselves from the possibilities of such a tragic action.
Other Types of “Restaurant & Bar Insurance Katy Texas” We Offer
Texas Insurance Agency offers a vast number of insurance policies, which makes us the best in the area. We only discussed a few of the business insurances in detail, but we also offer the following:
- Professional Liability
- Errors and Ommissions
- Commercial Auto Insurance
- Builder’s Risk and Bonds
Protect Your Restaurant and Bar Today
Give Texas Insurance Agency a call today to start protecting your restaurant and bar today. Call (281) 398-1010 to talk to one of our insurance agents. We would be happy to set up a time to meet so we can discuss options. You can find more information on our insurance policies on our website. You can stop searching “Restaurant & Bar Insurance Katy Texas” and start relaxing.
Fun Facts about Katy
- Katy first held its continuing annual Rice Festival in 1981.
- Katy was once known as the rice capital of the world. There is an annual rice festival every fall.
- Many events are hosted at Katy’s VFW Park, including movie nights and community campouts.
- Find more fun facts about Katy here.