Running a restaurant means managing risk every hour you’re open — from a slip by the host stand to a fire in the kitchen to a claim tied to the drinks you serve. Melliand Insurance Agency is an independent agency that shops multiple carriers to help restaurant, café, bar, and food-truck owners protect the business they’ve poured everything into.
The risks food-service owners face
- A customer slips, or alleges illness after a meal
- A kitchen fire damages equipment and forces you to close for weeks
- A guest is over-served and an incident follows
- An employee is burned or injured during a shift
Coverages we help you put in place
- General liability — for third-party bodily injury and property damage claims.
- Commercial property — helps protect your building improvements, kitchen equipment, and inventory from covered losses like fire or theft.
- Business interruption — helps replace lost income and cover expenses if a covered loss forces you to close temporarily.
- Liquor liability — important if you serve alcohol.
- Workers’ compensation — for kitchen and front-of-house staff injuries.
Why restaurant owners work with us
We translate the fine print into plain English, match coverage to your concept and menu, and shop the market so you’re not overpaying. Independent, local, and responsive when you need us. Serving Little Elm and the DFW area.
Get started
Protect what you’ve built. Call (972) 346-4666 or request a quote online.