08/25/2026
Restaurant owners, here's a question worth two minutes: if a customer has a few drinks at your place, gets in a wreck on the way home, and someone gets hurt, is your restaurant covered?
For a lot of owners, the honest answer is no. General liability policies specifically exclude alcohol-related claims, and under the Texas Dram Shop Act there's no cap on what a single case can cost. That's just one of the gaps we find all the time.
Restaurants are our specialty. It's the space we know better than anyone, and it shows: hardly anyone thinks they need to shop their coverage, but almost every time we quote a restaurant, they end up switching to us.
We put together what a Texas restaurant actually needs, what it costs, and the coverages owners most often miss: https://www.jonathanshawagency.com/post/restaurant-insurance-texas
Own a restaurant? It costs nothing to see how your coverage really stacks up. Call or text us at (806) 705-7141.
Jonathan Shaw Agency | Lubbock, TX
Restaurants are one of the hardest businesses to insure well, and most owners don't realize where their coverage falls short until it's too late. Here's what a Texas restaurant actually needs, what it costs, the liquor liability gap that the Texas Dram Shop Act makes dangerous, the truth about worke...