Texas Tavern Insurance

Written by Jessica Duquette
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Texas tavern insurance is a required investment if you own or operate a restaurant, bar or tavern. There is a tremendous amount of liability involved in the distribution of liquor. To be on the safe side, we recommend purchasing above the required amount of coverage.

How Much Texas Tavern Insurance is Enough?

Typically included in Texas tavern insurance is $1,000,000 of general liability coverage. This will protect you from property damage or bodily injury. You've undoubtedly seen the end result of a bar fight or riot. Replacing your inventory and furniture is one thing, but as a tavern owner you are also subjected to lawsuits involving injured victims.

To distribute or sell liquor you are required by law to have a liquor liability insurance policy. This is always included in your packaged deal, though the amount of coverage may vary depending on location, capacity and insurance agent. To calculate an appropriate amount of coverage you should figure what your assets are worth. These should include real estate and current inventory.

Additional Coverage for Special Events

Assault and battery as well as crime insurance are also must-haves when shopping around for tavern insurance. In the event a brawl does break out in your pub, you'll want to know you're safe from costly lawsuits. If you frequently hold special events in your pub you may want to ask your agent about additional coverages for those few times a year.


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