Restaurant & Liquor Liability Insurance — TWFG Terry Cauthen Insurance
TWFG Terry Cauthen Insurance
Restaurant & Liquor Liability Insurance
Coverage built to protect restaurants from the unique risks of the food service industry.
Coverage built for the food and beverage industry.
Restaurants, bars, and food service businesses face risks that standard commercial policies do not fully address. TWFG Terry Cauthen Insurance helps food service operators across Southeast Texas find coverage that protects their property, their employees, and their liability — including the unique exposure that comes with serving alcohol.
Coverage Options
Restaurant Package Policy
Combines property, general liability, and business income coverage tailored for food service operations.
Liquor Liability
Covers claims arising from the sale or service of alcohol, including injuries caused by intoxicated patrons.
Food Contamination
Covers losses from food spoilage, contamination events, and the cost of notifying customers.
Equipment Breakdown
Covers commercial kitchen equipment — ovens, refrigerators, fryers — when they break down unexpectedly.
Workers Compensation
Covers medical costs and lost wages for kitchen and service staff injured on the job.
Commercial Auto
Covers delivery vehicles and catering vehicles used in your food service operations.
Frequently Asked Questions
More Carriers, Better Options
As an independent agency, we're not tied to one insurance company. We shop your policy across hundreds of trusted carriers to find the right coverage at the right price.
Family, Not Just a Policy Number
You'll work with a real local agent who knows your name and your needs — not a call center. We're here for the big moments and the small ones.
Renewals Shopped Every Year
We don't just set it and forget it. Every renewal, we re-shop your policy to make sure you're still getting the best rate available.
Ready to Get Covered?
Call us or request a free quote online. We'll shop the market and find the right fit for you.