What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Restaurant, Bar & Nightclub Insurance

Property, GL, liquor liability, and assault-and-battery coverage for food and beverage operations.

Who Needs It

Full-service and fast-casual restaurants
Bars, breweries, sports bars, and nightclubs
Caterers and food trucks

What It Covers

GL for premises and products (food-borne illness)
Liquor liability without a punitive or assault sublimit trap
Assault and battery coverage
Property with spoilage and equipment breakdown
Business income
Workers' comp and HNOA for delivery

What It Does Not Cover

Assault and battery where excluded or sublimited
Liquor claims above the sublimit
Fire from cooking without a compliant hood and suppression system
Employee dishonesty without crime coverage

Texas Notes

Texas dram-shop law makes liquor liability essential; late closing times, live entertainment, and alcohol above 50% of sales narrow the carrier list.

Florida Notes

Florida's dram-shop statute is narrower, but nightlife venues in Miami and Tampa face frequent assault-and-battery claims; confirm the sublimit.

Restaurant, Bar & Nightclub Insurance Questions We Hear Most

Why is assault and battery a separate question?

Many hospitality GL forms exclude or sublimit injuries from fights and security actions. A $25K sublimit on a bar is close to no coverage.

What drives my restaurant premium?

Alcohol percentage of sales, closing time, cooking method, entertainment, and claims. Change any of those and the market changes.

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This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.