INSURANCE PRODUCTS for Restaurants

At Robinson & Fogle, we specialize in providing insurance products for restaurants of all types and sizes. We have over 20 years experience serving restaurants across the greater Texas area. Whether you are in Austin, San Antonio, Dallas, Houston, or somewhere in between, we can serve your needs. To view our portfolio of clients click here, and to read more about our experience click here.

Below is a list of just a few insurance products we offer to restaurants (Don't see what you need? Give us a call to discuss other products.). If you would like to learn more about how we can assist you with your restaurant insurance needs please contact us at: 512.578.8192 or peggy@rfagency.com.

  • Business Interruption
  • Business Owner Policy
  • Commercial Auto
  • Commercial General Liability
  • Commercial Health
  • Commercial Life
  • Commercial Property
  • Employee Theft
  • Food Contamination
  • Liquor Liability
  • Specific Peril
  • Worker's Compensation


    • Business Interruption / Loss of Business Income

    Business interruption or loss of business income can protect a business in the event of natural disaster, fire or other extenuating circumstances that affects the ability of your company to conduct business. It can provide you with business income while your establishment is in repair for a covered loss.

    Business Owner Policy (BOP)

    A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. A typical business owner policy may include: property insurance, business interruption insurance, crime insurance, vehicle coverage, liabilty insurance and flood insurance. Depending on additional risks a business owner might face, the business owner and the insurance company can make arrangements for additional components to be added to the original package. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owner Policies usually target small and medium-sized businesses with well-defined risk.

    Commercial Auto

    A personal auto policy does not cover vehicles used for commercial purposes. If your business uses vehicles, or anything that is required to be titled by your state, then you need a commercial auto policy. Commercial auto coverage can insure against property damage to vehicles and damage caused to others by those vehicles.

    Employers' non-ownership insurance can provide liability protection when an employee occasionally has to drive his or her personally owned vehicle for business purposes. This assumes that the vehicle is not owned, registered or contracted in your name or on your behalf. Hired auto insurance can provide liability protection when you are driving a vehicle that you, or your business, do not own or that is not registered to you. If you rent a vehicle for a less than 30 days, hired auto insurance will help protect the rented vehicle.

    Commercial General Liability

    Commercial liability insurance protects your company should it be sued or held legally liable for injury or loss caused by a mistake made by your company. This coverage is especially important since it protects against risks such as patron injuries and injuries to third parties by patrons or employees. General liability can also insure against trip/slip and fall, injury on premises, property damage to others, etc. For covered risks, this policy can provide the owner with legal counsel and pay for the judgement.

    Commercial Health

    Most businesses need to offer their workers health insurance in order to compete with other employers. This insurance offers health coverage benefit to your employees and you.

    Commercial Life

    Depending on your mortgage and financing you may need to carry life insurance to satisfy your lender. It is also a good idea to have life insurance in case something happens to you and you want to ensure your family isn’t left with a restaurant or bar they don’t know how to run and bills they can’t pay.

    Commercial Property

    Commercial property insurance can protect the location of the business and its contents/equipment against loss or damage from theft, fire, and/or other perils. It also insures against loss or damage to property of others that are under your control at the time of loss. If you rent or lease a location, then your business may be required by the property owner to carry property insurance by the terms of the lease or contract.

    Employee Theft / Crime coverage

    Theft coverage helps protect you against theft or crime caused by outsiders and your employees. It is unfortunate, but employee theft remains a common risk for business owners, especially bar owners.

    Food contamination / Spoilage insurance

    If you lose power, because of power failure or outage, and the entire contents of your freezer spoil, this policy can provide coverage to pay for and replace the food.

    LIQUOR LIability

    Liquor liability is a type of insurance which can cover businesses in the event that claims related to liquor are made against the business. Commonly, such claims involve damages as a result of the actions of an intoxicated person, such as a lawsuit filed by someone involved in a crash caused by someone who was drunk. Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a separate liability policy. If you do not purchase this extra coverage, your standard liability policy DOES NOT protect your business against these kind of claims.

    Specific Peril

    This covers many natural disasters that general liability insurance doesn’t. Events like earthquakes, floods or power outages due to either, may be covered under this insurance.

    Workers' Compensation

    Workers' compensation can cover medical and rehabilitation costs and lost wages for employees injured at work. Did you know workers' compensation insurance is not required by the state of Texas? However, employees have lifetime medical and loss wage coverage when injured during the course of their employment at your business whether you carry insurance or you pay those costs yourself.

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