General Liability | Liquor Liability | Property | Workers’ Comp
Owning a Mexican restaurant means long hours, loyal customers, and a kitchen full of moving parts — literally. From hot oil and open flames to liquor service and delivery drivers, one unexpected claim could shut your doors or drain your profits.
At Catanzaro Insurance, we help restaurant owners across Ohio, Indiana, and Illinois protect what they’ve built. We understand the unique risks that come with running a busy restaurant — and we make getting coverage simple, fast, and affordable.
✅ What Coverage Does a Mexican Restaurant Need?
General Liability Insurance
Protects your restaurant from claims of customer injury, foodborne illness, or accidental property damage. Whether someone slips on salsa or trips on a chair, this coverage keeps your business protected.
Liquor Liability Insurance
If your restaurant serves beer, wine, or margaritas, this is essential. It covers you if a customer causes harm or property damage after being served alcohol.
Property Coverage
Covers your building, kitchen equipment, signage, and furniture from fire, theft, or vandalism.
Business Interruption
Replaces lost income if a covered event (like a fire or power outage) forces you to temporarily close.
Workers’ Compensation
Covers medical expenses and lost wages for employees injured on the job — from kitchen burns to lifting injuries.
Commercial Auto
If you offer catering or deliveries, this protects your business vehicles from liability and physical damage.
Optional Coverages
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Crime Coverage: Protects against employee theft or burglary.
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Cyber Liability: Covers data breaches or POS system hacks.
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Umbrella Liability: Adds an extra layer of protection above your primary policies.
🌯 Who Needs Mexican Restaurant Insurance?
We insure a wide range of food and beverage businesses, including:
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Traditional dine-in Mexican restaurants
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Taquerias and cantinas
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Tex-Mex chains and family-owned spots
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Bars or grills with Mexican food menus
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Restaurants with catering or delivery operations
If your business serves tacos, tequila, or tamales, you face unique risks that require the right insurance — not a generic restaurant policy.
💼 Why Choose Catanzaro Insurance
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Licensed in Ohio, Indiana, Illinois, Wisconsin, Iowa, Arizona, and Texas
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Experienced with bilingual and Hispanic-owned businesses
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Fast Certificates of Insurance for landlords or liquor licensing
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Real, personal support — no call centers or overseas quoting
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Coverage options built for busy restaurant owners
We help business owners make confident, informed coverage decisions — and keep their restaurant protected for the long run.
🔥 Real-World Scenarios
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A customer slips on spilled salsa — General Liability covers medical expenses.
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A kitchen fire damages your fryers and range — Property Coverage pays to repair and replace.
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A waiter trips carrying drinks and misses work — Workers’ Compensation covers lost wages.
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A data breach exposes customer payment info — Cyber Liability helps you recover.
❓ Mexican Restaurant Insurance FAQs
Q: Do I need liquor liability if I only serve beer and wine?
A: Yes. Even limited-service alcohol sales can expose your business to liability — liquor coverage is essential.
Q: How much does Mexican restaurant insurance cost in Ohio?
A: Most restaurants pay $2,500–$6,000 per year, depending on size, staff, and alcohol sales.
Q: Can you help with certificates for my liquor license or landlord?
A: Absolutely — we issue COIs quickly for compliance and peace of mind.
📞 Get a Free Mexican Restaurant Insurance Quote
Protect your business, your staff, and your reputation with coverage designed specifically for Mexican restaurants.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or complete the short form below to request a quote.
We’ll review your current setup, identify coverage gaps, and provide competitive options built for Mexican restaurant owners in Ohio, Indiana, and Illinois.
We’ll review your setup, identify coverage gaps, and provide competitive options built for bar and grill owners in Ohio, Indiana, and Illinois.
🔗 Learn More
Learn more about insurance for food and beverage businesses here.