Before You Serve Your First Cup

San Antonio’s food scene is thriving, and we understand why you want to be part of it. Whether you are opening a coffee shop on the Pearl, a taqueria on the Westside, or a cafe near the Riverwalk, you are entering a business where passion meets complexity.

Insurance requirements for food service are more extensive than many new owners expect. Your landlord has requirements. Your lender has requirements. And the risks of operating without proper coverage are enormous.

General Liability: Your Foundation

When a customer slips on a wet floor, burns themselves on hot coffee, or claims your food made them sick, general liability responds. For restaurants and coffee shops, this is not theoretical. Something will eventually go wrong.

Most landlords require at least $1 million per occurrence. Starting with appropriate limits from day one is easier than increasing coverage after signing a lease.

Property Insurance

Commercial espresso machines cost $15,000 or more. Walk-in coolers, ovens, display cases, furniture – the equipment in even a small cafe represents substantial investment.

Equipment Breakdown

What happens when your refrigeration compressor fails on a July afternoon with $3,000 worth of inventory inside? Equipment breakdown covers mechanical and electrical failures that property insurance excludes.

Workers Compensation

The moment you hire your first employee, you need workers comp. Burns, cuts, slips, and repetitive strain injuries are common in food service.

Liquor Liability

Planning to serve alcohol? Liquor liability coverage is essential. If an intoxicated customer injures someone after leaving, you could be held responsible.