Customer liability
Review general liability for covered injury or property-damage claims. Alcohol service and other specialized activities may need separate coverage or endorsements.
Business insurance
Texas business coverage
Restaurant & retail insurance in Texas
Opening a restaurant, renewing a shop policy or signing a new lease? Review the business you actually operate, the property you use and the insurance your landlord requests. Argo can help you compare the relevant coverage needs.
Start a business quoteA clear next step for your business
Opening, renewing or reviewing a contract? Start a request and tell us what you need.
Coverage to discuss
Your property. Your work. Your responsibilities.
Review these coverage areas with an agent. The right combination starts with your actual operations.
Property & business interruption
Discuss stock, equipment, furnishings and tenant improvements. Ask how income protection, equipment breakdown and spoilage apply under the proposed policy.
Employees, vehicles & lease proof
Employees, business deliveries and food-truck operations need their own review. Send the lease insurance section before requesting a certificate or additional-insured wording.
Built around the business you run
Restaurants
Retail shops
Food trucks
New locations
Coverage, limits, exclusions, price and availability depend on the policy, carrier and underwriting. Start with the basics; an agent can request additional details.
Texas business coverage
Start with how you operate
A dine-in restaurant, food truck and retail shop have different exposures. Describe cooking, delivery, alcohol sales, customer visits, inventory and seasonal changes. Tell the agent about a new location or an upcoming opening date.
What to have ready
An agent may ask for sales, payroll, location details, cooking equipment, inventory values, delivery activities and the lease insurance requirement. Start with a short request; supporting documents can follow.
Tell us what you need
Start with your business type and ZIP. Use the existing quote request to reach Argo.
Review the details
An agent can review your operations, documents and available coverage options.
Choose with context
Review the proposed coverage, exclusions and requirements before deciding.
Common questions
Will a BOP cover everything my business needs?
A BOP can combine property and general liability for eligible businesses. Auto, workers compensation and specialized exposures need separate review.
Can I request a certificate before buying coverage?
Start with the quote and contract requirements. A certificate documents an existing policy; it does not create coverage.
More specific guidance
Let’s talk about your business
Bring your questions, current policy or contract requirement. Start with the basics.