(713) 645-1500 Houston, TX
Lloyds of London


Pasadena, Pearland, Galveston, TX Restaurant, Bar, Pub & Tavern Insurance

Business Property Insurance

Your business property goes beyond your building and contents. Our specialized hospitality insurance may also cover business interruption, food spoilage, sewer and drain backup, lost business income due to utility failure, equipment breakdown, signage, employee crime, high-value art, and more. Our Business Owners Policy for restaurants, bars, pubs and taverns is an affordable (BOP) with one of our A rated admitted insurance companies. This policy covers common perils, including fire, vandalism, storm damage and broken pipes. It may also cover, or give the option to cover, flood, sprinkler leakage, and the extra expenses associated with a business shutdown due to a covered loss.

General Liability Insurance

Restaurant general liability insurance protects your business from financial losses due to accidents, injuries, and property damage occurring on your premises. It covers legal fees, medical expenses, and settlement costs, ensuring your restaurant remains financially secure. This essential coverage offers peace of mind, allowing you to focus on providing great service to your customers.


Liquor Liability Insurance

Any establishment that sells, serves, or assists in the purchase or use of liquor (i.e. dram shop) opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns. While it’s logical that the inebriated person should be the one to pay, in reality the business that served the alcohol could be liable for injuries, damages, or both that occurred as a result of actions, behaviors, or conduct of a patron who drank too much.

Loss of Income

Business income insurance is an important but often misunderstood coverage. It is designed to replace income lost as a result of an occurrence that is covered by the policy. It can also cover continuing expenses like payroll or extra expenses incurred during the restoration period. 

Food Spoilage Insurance

Many businesses in the hospitality industry fail to understand the importance of spoilage insurance until after they find themselves in need of it, either because they lost money from spoiled food or have received a patron lawsuit as a result of food poisoning. The first thing you should know is that it’s a fairly inexpensive add-on to your general business insurance policy. That makes it a simple addition for most restaurant owners and provides a flat amount of protection for your restaurant in the event that a power outage or refrigeration equipment malfunction leads to spoiled food.

Equipment Breakdown Insurance

Equipment breakdown insurance is essential coverage for any business relying on machinery or technology. It protects agains financial losses caused by sudden mechanical or electrical failutes of essential equipment. This insurance can cover repair or replacement costs, minimize downtime, and ensure that your operations continue smoothly. Ideal for restaurants, manufacturing plants, and other industries, equipment breakdown offers peace of mind and financial security.

Workers Comp Insurance

Almost every business with a least one employee needs Work Comp Insurance. Employers penalties for not having Work Comp vary State by State. The penalties can include cease and desist orders, prosecution for insurance fraud, fines, and jail sentence. Work Comp also protects your business from being sued.


A Few Reasons Why Duckworth Insurance Agency is the Right Choice For Your Business:

  • Get a quote online or call us to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy.
  • Competitive Pricing - premium discounts and policy dividends available
  • Cash Flow Assistance - flexible payment plans and low minimum premiums
  • Stability and Dependability - financially strong with many years of experience
  • Fair & Efficient Claim Handling - three point contact helps manage care and control costs
  • Anti-Fraud Programs - our carriers investigators have saved tens of millions of dollars
  • Loss Control Support - Online resources help you manage risk and control injuries