Southgate specialty
Restaurants & Bars Insurance
Hospitality runs on thin margins and high exposure. We place restaurant and bar programs that cover the whole operation, from the walk-in to the patio.
The program
Coverage that answers the question a claim actually asks.
We work with independent restaurants, bars, lounges, breweries and multi-unit hospitality groups across Houston and Texas. Liquor liability, kitchen equipment breakdown, spoilage and employment practices all get handled in one coordinated program.
Liquor Liability
Dram shop exposure for establishments serving alcohol, including special events.
Property & Equipment Breakdown
Kitchen equipment, refrigeration, build-out and signage — with spoilage coverage.
Business Income & Extra Expense
Income protection through a closure, plus the cost to keep serving from a temporary site.
General Liability
Premises liability, food-borne illness and assault-and-battery endorsements.
Employment Practices Liability
Turnover-heavy staffing environments need EPLI from day one.
Commercial Auto & Delivery
Delivery fleets and non-owned auto exposure for third-party drivers.
Complexity breakdown
Where this coverage usually fails — and how we close it.
Liquor liability sublimits
Limits tested against event and service exposure
Spoilage after power loss
Coverage for inventory loss during equipment failure
Delivery-driver liability
Non-owned auto and hired auto addressed explicitly
Let's price your restaurants & bars insurance.
Answer a few questions and a Houston agent will come back with options — including the markets other agencies don't have access to.