Restaurant insurance in Decatur, TX
Restaurants need coverage that fits real operations — property, liability, liquor exposure, and staff. An independent agency can match you with carriers that write hospitality risks.
Decatur, TX market figures computed from public licensing records as of 2026. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Restaurants coverage to consider
- General liability
- Commercial property
- Liquor liability
- Workers' compensation
- Food spoilage
- Business owner's policy (BOP)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
The Decatur customer base
Business coverage conversations start with who you serve. These figures sketch the households behind local demand in Decatur.
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), for Decatur.
Disaster history in Wise County
Federal disaster declarations are public FEMA records of the events that have hit Wise County hardest. They're useful context when deciding which coverages and limits matter here.
Source: FEMA public records (disaster declarations), county-level figures for Wise County.
Insurance agency records in Decatur
8 businesses listed from public licensing records. Preferred Agencies are clearly labeled and shown first; other listings are alphabetical. Listings are not endorsements.
Decatur, TX
Broad license categories; specific offerings and independence need confirmation.
In records since 2022 · NPN 20487626 · public licensing record
Decatur, TX
Broad license categories; specific offerings and independence need confirmation.
In records since 2018 · NPN 18682365 · public licensing record
Decatur, TX
Broad license categories; specific offerings and independence need confirmation.
In records since 2023 · NPN 21024079 · public licensing record
Decatur, TX
Broad license categories; specific offerings and independence need confirmation.
In records since 2020 · NPN 19020573 · public licensing record
Decatur, TX
Broad license categories; specific offerings and independence need confirmation.
In records since 1993 · NPN 1937617 · public licensing record
Decatur, TX
Broad license categories; specific offerings and independence need confirmation.
In records since 2018 · NPN 18893719 · public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Other coverage in Decatur
Agencies in this market may also help with related lines that have local licensing depth.
Restaurants in other Texas markets
Browse nearby markets with enough listed agencies to support a local restaurants page.
Frequently asked questions
How many independent agencies can help with restaurant insurance in Decatur, TX?
Public licensing records list 8 insurance agencies in Decatur, Texas with broad licensing qualifications relevant to this category, within Wise County. A broad license does not confirm that an agency offers this specialty or represents multiple insurers. Confirm both directly with the agency.
Can I compare restaurant insurance with agencies near Decatur?
Yes. You can request quotes in Decatur, or browse Houston, Dallas, San Antonio to compare independent agencies in other Texas markets.
What happens after I request restaurant insurance quotes in Decatur?
Tell us what you need once. We match your request with one licensed independent agency serving Decatur. We are not an insurance agency and we do not sell your information into a bidding marketplace.
Do I need liquor liability if I only serve beer and wine?
Serving any alcohol generally creates liquor liability exposure. A licensed agent can explain how it applies to your license type and menu.
Is a business owner's policy (BOP) enough?
A BOP bundles property and liability, but restaurants often add liquor liability, workers' comp, and spoilage. An agent can tailor the package.
Tell us what you need once.
We'll match you with one independent agency serving Decatur. Your information is never sold or blasted to a list.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.