Small business insurance cost for restaurants and cafés in Texas
A typical small restaurants and cafés business in Texas with two employees and about $250,000 in revenue can expect to pay roughly the range below. Your own price will move up or down with your size, claims history, and coverage limits.
Typical total, per month
About $1,528–$2,547 per year for a business owner’s policy and workers’ compensation.
Cost by policy type
| Policy | Per month |
|---|---|
| General liability | $44–$74 |
| Business owner’s policy (liability plus property) | $60–$100 |
| Workers’ compensation (2 employees) | $68–$112 |
What drives the price for restaurants and cafés
Slips, burns, and foodborne illness claims drive general liability, and kitchen equipment and inventory drive property costs.
What to know in Texas
Texas is the one state where most private employers can choose not to carry workers’ compensation. Opting out means you can be sued directly by an injured employee, and many clients and contractors still require it.
Tips before you buy
- If you serve alcohol, ask about liquor liability, which general liability usually excludes.
- Spoiled food after a power outage is a common loss. Ask whether food spoilage coverage is included.
- A business owner’s policy often costs less than buying liability and property separately.
More guides
- Restaurants and Cafés in California
- Restaurants and Cafés in Florida
- Restaurants and Cafés in New York
- Contractors and Trades in Texas
- Salons and Spas in Texas
- Cleaning Services in Texas
- Retail Shops in Texas
- Consultants and Offices in Texas
These figures are rough estimates for planning only, not quotes, offers, or insurance advice. Actual prices depend on the insurer and your specific business. Check with a licensed agent before you buy.