When you are looking for an insurance agency you need someone who understands your business. What are the true risks to your business? Where are some areas that you might be over-insured, or even worse, under-insured? The truth is you never know how good or bad your coverage is until you need it. With that in mind, don't you think it's important to work with an agency the specializes in your business? The FNBIA team is made up of individuals that have not only been insurance agents for over 15 years but also have worked in the hospitality business. From insurance to mixing a drink, we understand your business and the needs you have. Prepare for the unexpected. Food & Beverage Insurance Agency is there not just as your agent but as your PARTNER so that you will be ready for the unexpected when it does occur – because accidents and mishaps do happen. Our agency works hand in hand with leading carriers to provide insurance programs designed specifically for restaurants, bars, and nightclubs. By taking advantage of leading technology we are able to provide top shelf service to clients throughout Texas. Our clients range in size from the small hole-in-the-wall bar to multiple location restaurants and bars. If you own a bar, pub, tavern, nightclub, restaurant, liquor store, or any other establishment that manufactures, sells, or distributes liquor, your business needs liquor liability insurance. This very important insurance can protect your business against losses or damages that occur as a result of one of your patrons getting intoxicated and harming themselves or someone else. Of course, this type of business insurance is vital, but it can also be confusing. Liquor liability insurance policies can vary greatly from one provider to the next, so it’s important that you understand what your policy should contain. Assault and battery—Alcohol and fights go hand in hand. That’s why it’s important to make sure that your liquor liability insurance policy includes coverage for assault and battery claims. These are the most common claims against bars, taverns, pubs, etc., so this one is really important. Legal fees—Defending your business in court against a legal claim can be expensive. That’s why it might be a good idea to invest in liquor liability insurance that covers the costs of hiring expert legal counsel.