INSURANCE ADVISORSFrom a neighborhood café to a restaurant with table service, your risks extend beyond the dining room. Wave helps Texas restaurant owners discuss coverage for the kitchen, the people and the way food reaches customers.
Discuss restaurant insurance ↗
Review kitchen equipment, furniture, stock, tenant improvements and buildings you own. Business income and extra expense may respond after a covered property loss, subject to the trigger, waiting period, time limits, and policy terms.
Your lease may make you responsible for improvements, glass, or equipment that you do not own outright. We review those responsibilities alongside the time and expense involved in reopening after insured damage.
Customer injuries and certain bodily injury allegations involving food can fall within liability coverage, depending on the facts and policy. Review products-completed operations, exclusions and limits. Food recall or contamination expenses are a separate coverage question.
Dining areas, restrooms, patios, and catered events each deserve a review. Tell us about offsite service, packaged food sales, or changes to your menu and operating model.
Mechanical or electrical breakdown and loss of refrigerated stock may need specific coverage. Check covered causes, utility interruption away from the premises, waiting periods, maintenance requirements and spoilage limits. Wear and tear is not automatically insured.
A refrigeration failure can affect both equipment and food stock. We discuss the value of perishable inventory and whether a qualifying utility interruption or breakdown is addressed by the selected forms.
If you sell or serve alcohol, discuss dedicated liquor liability coverage and any applicable exclusions. General liability alone should not be assumed sufficient. Operations, alcohol sales, service practices and insurer eligibility all matter.
Share your alcohol sales, service hours, special events, and catering arrangements. We also discuss staff training and incident procedures as part of understanding the risk, without treating those practices as a substitute for coverage.
Company vehicles, cars owned by employees, rented vehicles, catering and third-party delivery arrangements create different exposures. Review commercial auto and liability for rented vehicles and vehicles owned by others; these do not automatically insure damage to an employee’s own car.
Tell us who employs the driver, who owns the vehicle, and whether the delivery is arranged through a platform. The platform’s insurance should be reviewed before you assume it protects the restaurant.
Kitchen injuries, allegations involving employment practices, employee theft and payment-system incidents may require workers’ compensation, employment practices, crime or cyber coverage. The appropriate combination depends on your staff and operations.
Point of sale systems, online orders, employee records, and payroll access create risks beyond the kitchen. We discuss the separate coverage questions raised by a data incident, a workplace allegation, or employee dishonesty.
Based in Arlington, Wave serves Dallas and Fort Worth and businesses throughout Texas. Start with a conversation so we can identify the information and applications relevant to your operation.
A BOP may combine property, liability and certain business income coverage for an eligible restaurant. Liquor liability, professional delivery operations and other exposures may require additional policies or endorsements. Compare the actual forms.
No. Business interruption coverage typically requires a specified covered event and has conditions and exclusions. Utility failures, food contamination, equipment breakdown and other shutdowns require their own review.
Coverage availability, eligibility, limits, deductibles, and exclusions vary by insurer and operation. These descriptions are general information; only the issued policy and endorsements determine coverage.