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Under the Texas Dram Shop law, a bar owner, restaurant owner, package liquor store owner or anyone else who serves or provides liquor to an obviously intoxicated person may be held liable for damages caused after the driver gets behind the wheel. The law holds that person or business accountable.


Insurance programs designed specifically for Texas bars, taverns, cantinas and nightclubs

At Spirits Insurance, you won't have to waste time explaining your industry to us. Bars, nightclubs, restaurants, and other liquor industry businesses require specially designed insurance programs that consider the special challenges you face when applying for coverage. We specialize in just that! Developing customized insurance programs, exclusively for your industry, is our specialty.

Insurance programs for Texas...
Bars • Taverns • Cantinas • Nightclubs • Restaurants • Bowling alleys • Fraternal organizations • Country clubs • Package liquor stores • And more!

We have over forty years of experience in the insurance industry with a special expertise in working with companies that are difficult or costly to insure due to the very nature of their business. We understand the challenges you face when trying to obtain affordable coverage, and we will work with you to provide a customized insurance program specifically designed for your establishment. Call us today; we’re ready to serve you.