Mediterranean Restaurant insurance in San Antonio
Build a San Antonio quote around the menu, equipment, service model, people, property, and off-premises work your Mediterranean restaurant actually has.
For Greek, Lebanese, Middle Eastern, shawarma, kebab, and falafel restaurants.
Prefer to talk? Call (929) 594-5450
What Mediterranean restaurant insurance costs in San Antonio
The lowest food-service general liability policy we have bound is $597/yr, a policy we wrote for a caterer in New York, and our lowest restaurant workers' comp policy is $509/yr. Liability and property together start at $1,153/yr on a bound businessowners policy. A Mediterranean restaurant lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
In Texas, our lowest restaurant quote so far is $1,062 a year for general liability.
A useful Mediterranean restaurant quote starts with the real operation: vertical broilers, grills, fryers, rotisseries, counter or table service, takeout, delivery, and catering. Vertical broilers, grills, hood and suppression systems, refrigeration, and tenant improvements need an equipment-level description.
| Coverage | Typical cost | Notes |
|---|---|---|
| General liability (bound) | from $597/yr | Our lowest bound food-service liability policy, for a caterer in New York. Cooking, alcohol, sales, and claims move it up from there. |
| Workers' compensation (bound) | from $509/yr | Our lowest bound restaurant workers' comp policy, for a sandwich shop. Priced on payroll, so staff size drives it. |
| Texas restaurant quote (quote, not bound) | from $1,062/yr | Our lowest Texas restaurant quote, for general liability, out of 16 we have written there as of 2026-09-26. |
| Liability + property BOP (bound) | from $1,153/yr | Our lowest bound businessowners policy, for a full-service restaurant in New York. Building, equipment and contents values set this one. |
| Liquor, auto, and umbrella | As applicable | Each is priced on its own exposure; a restaurant package does not automatically include every line. |
These are the lowest premiums we have actually bound for restaurants, as of 2026-09-26, plus the lowest instant quotes a carrier issued ready to bind (marked "instant quote, bindable"; those are real quotes, not bound policies) and, where marked "quote", an ordinary carrier quote. Each is labelled by line of business. Your price depends on your menu, cooking, alcohol, sales, payroll, property, location, and claims. They are not an offer of insurance.
What moves your price
- ✓Annual sales, payroll, seating, square footage, hours, years in business, and loss history
- ✓Menu, cooking equipment, fuel, hood and suppression, cleaning, and fire inspection details
- ✓Vertical broiler, grill, rotisserie, and fryer equipment
- ✓Counter versus table service
- ✓Delivery, catering, and event sales
- ✓Building or tenant-property values, refrigeration, equipment, spoilage, and requested deductibles
The coverage a San Antonio Mediterranean restaurant needs
Gyro and shawarma broilers and charcoal grills are open-flame cooking with grease. Carriers want the rotisseries under the hood and the suppression system covering them.
Falafel and fries mean fryers on the line; expect questions about Hood and duct cleaning on the schedule NFPA 96 sets for your cooking volume, a UL 300 wet-chemical suppression system over the line, and a Class K extinguisher near the fryers.
Hookah service or late-night hours change the risk considerably and should be disclosed up front; many restaurant programs treat hookah separately.
Identify vertical broilers, rotisseries, grills, fryers, fuel, hood and suppression design, cleaning, and clearances.
Describe food transport, temporary setups, delivery drivers, venue contracts, and the portion of receipts earned away from the restaurant.
Customer injury, foodborne illness, allergens, premises, delivery and catering, checked against what you actually do.
Equipment, contents, stock, improvements and lost income after a covered loss. Compare valuation, deductibles, spoilage and restoration time.
What to check in San Antonio
State resources checked . Confirm current requirements with the linked agencies.
Who permits restaurants in San Antonio
Metro Health's Food and Environmental Health Services division licenses and inspects every food establishment in the City of San Antonio.
San Antonio Metropolitan Health District: food licensing →Opening or renewing in San Antonio
Metro Health requires a current permit for every food establishment, and permit billing questions go through the city's 311 line. Temporary and mobile food operations have their own permits separate from the restaurant's.
San Antonio Metropolitan Health District: food licensing →What an underwriter will ask a Mediterranean restaurant in San Antonio
Vertical rotisseries under the hood? Charcoal or gas grills? Fryers? Hookah service or late-night hours? Alcohol service?
Texas rules that also apply
Workers' comp, liquor licensing and the state food code are set at the Texas level. See the Texas Mediterranean restaurant insurance page for those, and for what we've quoted restaurants across Texas.
Prefer to talk? Call (929) 594-5450
Frequently asked questions
Who issues restaurant permits in San Antonio?
Metro Health's Food and Environmental Health Services division licenses and inspects every food establishment in the City of San Antonio.
How much does Mediterranean restaurant insurance cost in San Antonio?
The lowest food-service general liability policy we have bound is $597/yr, a policy we wrote for a caterer in New York, and our lowest restaurant workers' comp policy is $509/yr. Liability and property together start at $1,153/yr on a bound businessowners policy. A Mediterranean restaurant lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
Does a gyro or shawarma machine affect my quote?
It can. A vertical broiler is open-flame, grease-producing equipment, so carriers check it's under the hood and covered by suppression. Properly installed, it's routine.
What cooking equipment matters for a Mediterranean restaurant quote?
Vertical broilers, rotisseries, charcoal or gas grills, and fryers can change the cooking and fire review. Send the menu, equipment list, fuel type, and hood and suppression details.
What information should a Mediterranean restaurant gather for a quote?
Start with the current policy if handy, loss runs, menu, equipment list, sales split, payroll, hours, seating, square footage, alcohol and delivery details, property values, hood and suppression records, lease requirements, and requested effective date. Estimates are fine when labeled as estimates.
Will the policy meet my landlord's lease requirements?
Usually, for the most common request: $1,000,000 per occurrence and $2,000,000 aggregate in general liability, the landlord named as an additional insured, and a certificate of insurance. Send the insurance section of your lease with the quote request so the limits, additional insured wording, damage to rented premises, liquor and umbrella limits can be checked against it before you buy.
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Opening a restaurant?
Plan the steps before your first service, from the opening budget to approvals and lease requirements.
Read the restaurant opening guide →What your landlord's lease will ask for, with real examples →