Denton Restaurant Insurance

If you own a Denton Restaurant and need insurance, we have multiple providers to choose from for your policy.  Our experienced Insurance Agents have worked with many restaurants in Denton to provide coverage for electrical data to Building/Property to Accounts Receivable.  

Denton Restaurant Insurance will fall into 1 of 4 Categories:

• Limited Cooking
• Casual Dining
• Fast Food
• Fine Dining

Limited Cooking Restaurants:

• Foods are either served cold, or cooked in a manner that does not use appliances that emit greasy vapors or smoke
• There are no processes used to cook food that produce grease-laden vapors (grilling, open broiling, roasting, barbecuing, or deep fat frying)
• The restaurant does not seat more than 75 people and does not exceed 7,500 sq. ft. total area
• Only beer and wine are sold, and those sales should not make up greater than one quarter of total sales
• There is no bar or lounge where alcohol is served
• Catering does not exceed ten percent of total sales, and there are no seasonal operations

Casual Dining Restaurants:

• Food is served in a casual atmosphere and is priced moderately
• Guests sit down to order and eat and pay after their meal concludes
• Buffet and takeout options can be available
• The restaurant does not seat more than 150 people and does not exceed 7,500 sp. ft. in area
• If alcohol is served, it does not exceed thirty percent of total sales​​​
• If alcohol is catered, it must not exceed 10% of total sales
• There are no seasonal operations
• There is an automatic fire extinguishing system for cooking equipment
• No dancing is permitted
• There is no live entertainment provided by the restaurant
• There are no "happy hours"
• The bar is not open when full table service is closed
• There are no bar operations for the sole purpose of consuming alcoholic beverages

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Other types of coverage we offer:​

• Commercial Property and Building Insurance
• Technology Insurance
• Mini Storage Insurance
• Medical Office Insurance
• Law Firm E&O Insurance
• Worker's Compensation
• Small Group Health Insurance
• Farm and Ranch Insurance
• Business Insurance Denton Tx

Fast Food Restaurants:

• There is no cooking fueled by mesquite, charcoal, or hardwood
• The restaurant does not exceed a seating capacity of 150 or an area of 7,500 sq. ft. 
• There is no table service
• The only alcohol served is beer and wine, and those sales should not make up more than one quarter of total sales
• There is no bar or cocktail lounge
• Catering should not make up more than one tenth of total sales
• There are no seasonal operations
• The restaurant must contain an automatic fire extinguishing system for cooking equipment

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Fine Dining Restaurants:

• The restaurant must not exceed a seating capacity of 150 or a floor area of 7,500 sq. ft.
• Alcohol sales must not exceed half of total sales
• Catering must not exceed 15 percent of all sales
• There are no seasonal operations
• There is an automatic fire extinguishing system for all cooking equipment
• There is no dancing permitted
• There is no live entertainment provided by the establishment
• There are no "happy hours" 
• Bar operations are only offered to customers who are in the restaurant and are either seated or waiting to be seated
• There is a maitre d' to supervise wait staff and to manage customer turnover
• There is a chef to oversee kitchen operations
• The average entree price exceeds 25 dollars

Our Restaurant Insurance programs cover Spoilage, Accounts Receivable, Contractors Equipment, Damage to Premises, Debris Removal, Electronic Data, Employee Dishonesty, Aquarium Coverage, Claim Data Expense, Fine Arts, and Wine and Liquor Collection.

If you are looking for an experienced Denton Insurance Agency that understands Restaurant Insurance, please give us a call at 940-220-6112.

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Call us today at 940-220-6112 to find out how our Denton Business Insurance Agency can help you protect your Denton Business!