In the years in which I had purchased general and professional errors and omissions liability insurance through KHT Insurance, I received nothing less than 1st class service from their organization.
John Shanahan
Clients: Make a Payment | Report a Claim | Request a Certificate
Insurance for Restaurants
We place every line a restaurant needs — liquor liability, workers' comp, commercial auto and more — and we lead with the coverage that protects the whole operation: a businessowners policy, shopped across carriers for the best qualified price.
A full program, led by the BOP
Every coverage a restaurant requires — starting with the one that covers property and liability together.
KHT places the complete program for restaurants: a businessowners policy that bundles property and general liability, plus liquor liability, workers' compensation, commercial auto for delivery or catering, and umbrella. Whatever your concept carries, we can quote it and bring it under one roof — so your certificates and renewals stop being a scramble.
But we lead with the businessowners policy, because it's the foundation every restaurant needs — and we build liquor liability and the rest on top of it.
Businessowners Policy + Liquor Liability
Few businesses pack as much risk into one building: the buildout and kitchen equipment, guests who can slip or get sick, and — if you serve alcohol — liquor liability, a serious exposure a standard policy won't cover on its own.
It's also priced differently by concept. A quick-service spot, a full-service restaurant, and a bar don't face the same claims — and the carriers who price them well aren't the same.
That's what an independent broker is for: matching your concept to the market that prices it best — on margins that don't leave room to overpay.
Property & businessowners policy
Your buildout, kitchen equipment, and inventory, plus general liability for guest injuries — bundled as the foundation of the program.
Liquor liability
The serious exposure that comes with serving alcohol — covered where a standard liability policy leaves off.
Workers' compensation
Medical and wage coverage for a kitchen and floor staff working around heat, blades, and grease every shift.
If your business needs it, we likely write it.
Eighteen commercial lines across four areas — from the policies every business carries to specialty and surety coverage.
Concepts we place
Built for the range of food service.
What and how you serve drives the coverage, so we don't hand every concept the same form. Tell us your concept and whether you serve alcohol, and we'll ask what actually applies.
● Full-service restaurants
● Quick-service & fast-casual
● Bars & taverns
● Cafes & coffee shops
● Food trucks
● Catering & events
● Breweries & tap rooms
● Bakeries & delis
Why place it through KHT
Specific things we do that most agencies don't.
Early renewal quotes
We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.
Multiple carriers, lowest qualified quote
We shop across markets and recommend the best-fit, best-priced option.
Owners on your account
An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.
The renewal difference
Why timing is the A&E hot button.
Most design firms don't switch brokers because of a claim. They switch because their current broker put them in a corner — renewal terms the day before expiration, no time to shop. Here's how we run it instead.
At placement
We start early
We look at your concept, your alcohol sales, your revenue, and your buildout — and place it with carriers who price food service fairly.
Ahead of renewal
We quote early
Your renewal gets shopped well before expiration, so you're comparing options rather than accepting a last-minute number on a tight margin.
As you grow
The program scales
A second location, a new patio, catering — we adjust the program so coverage keeps pace with the business.
Getting a Quote
Straightforward from here.
1
Tell us about your firm
We quote your renewal well ahead of expiration — time to review and compare, not a take-it-or-leave-it the day before.
2
We shop your coverage
We quote it with multiple top-rated insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation — the lowest qualified quote, explained in plain terms.
Insurance you don't have to think about.
Very responsive agency. They have great staff and are willing to help find the best policy out there for home, auto, commercial, flood - anything you need. We've worked with them for years and can't say anything negative about their service.
Turning Point Counseling
You can buy insurance anywhere, but what sets KHT apart from the rest is service, and they are the best. The best compliment you can pay is when you are asked 'who do you have your insurance with' say KHT!
Buddie Hrabal
You will not be playing phone tag with their answering machine. KHT is always there to answer questions and to find the best deals for us.
Stan Mullin
Price is right, efficient and good to deal with.
Michael Robinson
Excellent customer service and knowledgeable agents.
Dianne Young
Great and timely service from the KHT team.
Ben Ginnetti
Been with KHT since 1998 for my insurance. Absolutely the best!
Tommy Anderson
KHT provides wonderful service! I highly recommend them for your insurance needs.
Carmen Nelon
common questions
The questions Restaurants ask.
Yes, if you serve alcohol. General liability generally excludes alcohol-related claims, so liquor liability is a separate coverage that responds when serving a patron leads to a loss. It's one of the most important lines for any restaurant with a bar.
A BOP bundles commercial property and general liability into one policy — a convenient, cost-effective foundation for most restaurants. We build from there with liquor liability, workers' comp, and anything else your concept needs.
It can be. Property coverage handles damage, and equipment breakdown coverage responds to mechanical or electrical failure of the kitchen equipment you can't operate without. We'll make sure the limits reflect your buildout.
Yes. Commercial leases routinely require coverage, specific limits, and naming the landlord as additional insured. Send us the lease requirements and we'll place coverage that meets them, then issue the certificate.
Yes. Whether you're expanding to another storefront or adding a mobile operation, we fold it into your program — one broker, one renewal cycle, one point of contact.
No. Many owners come to us for the BOP or liquor liability first, then consolidate the rest later. There's no requirement — the BOP is where we lead.
Quote your restaurant coverage.
Start with a businessowners policy or your whole program — tell us about the restaurant and we'll shop it. Or call and talk it through with the people who'll actually handle your account.
Fort Worth, TX
817-336-2721 · 800-814-6470
info@khtinsurance.com
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