Hospitality
Hospitality is an exciting and eventful industry, but business owners must be prepared for the possibility of too much excitement or unplanned events. Allow the BRIA Team to think of the coverage that you may not have thought of. We will serve as your business partner, making certain that you are able to serve the public with confidence that you are covered for the unknown.
Winery, Distillery & Craft Brewery Insurance
Winery, Distillery & Craft Brewery Insurance
Specially crafted insurance plans for your brewery
Craft breweries face a unique set of challenges when it comes to insurance policies. Craft breweries are typically seen as small business enterprises, yet the large production and distribution options expose them to large financial opportunities and risks. At BRIA Insurance & Risk Consultants, we work hard to help ensure your business stays protected.
Our insurance options for craft breweries include, but are not limited to:
- General liability.
- Coverage for equipment and machinery.
- Liquor liability.
- Umbrella Coverage.
- Property Insurance.
- Workers’ Compensation.
Contact an insurance specialist at BRIA Insurance & Risk Consultants to set up a consultation.
Restaurants, Taverns & Cafes
Restaurants, Taverns & Cafes
Serving up the coverage you need
BRIA Insurance & Risk Consultants provides insurance to restaurants, taverns, cafes, and other service industry businesses. Our coverage options include:
- Property.
- Business Income – Actual Loss Sustained.
- Liquor Liability.
- Equipment breakdown.
- Food Spoilage – Power Interruption.
- Property Enhancements.
- General Liability Enhancements.
- Auto.
- Workers’ Compensation.
- Employment Practices.
- Data Compromise/Identity Recover.
These policies are available to a variety of establishments including:
- Fine dining.
- Franchises.
- Fast food.
- Sushi bars.
- Live music venues.
- Delicatessens.
- Concessionaires.
- Entertainment.
- Happy hours.
- Catering.
- Valet parking.
Contact us to learn more about how BRIA can help protect you from risk.
Retail Insurance
Retail Insurance
Keep your business running at a high level
Retailers face a number of challenges when it comes to keeping their business running at a high level, including everything from regulatory issues and theft to competition within the industry. When it comes to managing the risks of running your own retail business, you want the best protection possible. BRIA Insurance & Risk Consultants will work with you to formulate an insurance package fit for your business.
Our insurance options for retailers include:
- General Liability.
- Property Coverage.
- Crime Insurance.
- Umbrella Coverage.
- Business Interruption Insurance.
Convenience & Grocery Stores
Specially insurance crafted for your business
BRIA Insurance & Risk Consultants provides insurance to convenience and grocery stores. Due to the variety of exposures related to these businesses and others, we offer and variety of coverage types and policies as outlined below.
Property coverages building
BRIA’s property coverage for buildings includes:
- Buildings themselves.
- Canopies.
- Gas pumps.
- Underground tanks and piping.
- Car wash bays.
- Appurtenant structures.
- Permanently installed machinery and equipment.
- Exterior glass.
Business personal property
Coverage for business personal property form BRIA includes:
- Furniture, fixtures, machinery, equipment, and stock.
- Improvements you’ve made as a tenant.
- Outdoor signs.
Business income
Policies for business income from BRIA can be customized to include:
- No waiting period.
- Ordinary payroll with options to increase 360 days.
- Actual loss sustained.
- Increased period on indemnity.
- Extra expenses and actual losses sustained.
Additional coverages
BRIA also offers additional coverages including:
- Back up of sewer and drain water.
- Increased cost of construction.
- Spoilage from power outage.
- Equipment breakdown.
Increased limit coverage options
For those in need of increased limit coverages, BRIA can provide protection for:
- Crime coverage.
- Employee dishonesty.
- Property in transit.
Liability coverages
BRIA’s liability coverages include:
- PST/UST for TCEQ Compliance (Pollution Liability for underground storage tanks).
- Premises/operations.
- Personal and advertising injury.
- Tenants property damage legal ability.
- Products/completed operations.
- Medical payments/sub-limits.
- General aggregate limit applies per premises.
- Automatic “additional insured” status for those specified.
- Liquor liability.
- Hired and non-owned auto.
Life & Health
BRIA’s life and health offerings include:
- Life.
- Medical.
- Dental.
- Vision.
- Disability.
Other coverages
Additional coverages offered by BRIA to storeowners include:
- Ordinance or law.
- Retail PLUS Endorsement.
- Pollution clean-up and removal.
- Group Occupational Accident.
- Workers’ Compensation.
- Umbrella.
- Management liability.
- Cyber liability.
- Transit.
Contact a representative at BRIA Insurance & Risk Consultants to go over these and many other insurance options for retailers.

BRIA’s Insurance Options
Whether it is for business or personal use, BRIA has an extensive catalog of insurance options that will keep you covered.
Contact Us for More InformationWant to Know More About BRIA?
BRIA’s job is to fully learn and understand your goals and the associated risks. We work to develop a plan with insurance that manages and mitigates client risk at minimal costs. See how we can work for you.