Texas Dram Shop Act (Alco. Bev. Code §2.02)
You are liable for serving an obviously intoxicated patron who then injures someone. GL excludes this; liquor liability covers it.
- Safe-harbor defense requires TABC seller-server training for staff
- Carry $1M liquor liability minimum; landlords often require it
- Non-owned liquor liability if you allow BYOB or cater
Assault & battery
The most common bar claim is a fight, not a fire. Many forms exclude A&B entirely or cap it at $25K–$100K.
- Buy the full-limits A&B buy-back
- Security staff must be contractually insured or covered under your policy
- Camera footage retention policy matters at claim time
Property: what burns and what breaks
Kitchen fires, equipment breakdown, and spoilage are property claims that a bare GL policy never touches.
- Business income with 12 months' actual loss sustained
- Equipment breakdown (compressors, walk-ins, POS)
- Spoilage with utility-interruption coverage
- Hood suppression inspection documentation (UL 300)