Texas restaurants, bars & venues — E&S and specialty markets
Licensed in TX · Austin · Dallas · Houston · San Antonio
Talk to a specialist
Texas Restaurant & Bar Insurance
Declined, non-renewed, or quoted a number you can't run on?
GrayStone is a specialty broker built for Texas restaurants, bars and venues — liquor liability, assault & battery, fire and workers' comp placed through E&S markets standard carriers won't touch.
Liquor liability & A&B
TABC-compliant certificates
Liquor liability & A&B
TABC-compliant certificates
★★★★★ 4.9
Based on 11 Google reviews · Austin, TX
200+ classes placed
Hospitality is where we started
If any of this sounds familiar, you're who we built this for.
One 15-minute call. A real read on whether it can be placed.
Non-renewed mid-season
Your carrier exited the class and you have weeks, not months, to replace the policy.
Liquor sales over 40%
Standard markets treat you like a bar. We place liquor liability and assault & battery every week.
A claim on the loss run
Kitchen fire, slip-and-fall, or an A&B suit. We underwrite the story, not just the score.
Opening a new concept
No operating history, build-out underway, and a landlord asking for a COI yesterday.
TABC renewal pressure
Certificates, limits and endorsements that satisfy TABC and your landlord without overbuying.
Renewal jumped 30%+
Before you eat the increase, let a specialty broker market it against 50+ carrier relationships.
A claim on the loss run
Kitchen fire, slip-and-fall, or an A&B suit. We underwrite the story, not just the score.
What we place for Texas restaurants
One broker, the whole program.
General Liability
Slip-and-falls, foodborne illness claims and third-party property damage.
Liquor Liability & A&B
Dram-shop exposure and assault & battery — the coverage most Texas quotes exclude.
Property & Equipment
Kitchen fire, hood systems, walk-in breakdown, spoilage and tenant improvements.
Workers' Compensation
Burns, cuts and back injuries — including high-mod kitchens other agencies decline.
Business Interruption
Lost income while you're closed, plus contamination recall and crisis response.
Umbrella / Excess
Limits above your primary policies for the exposures a single suit could exceed.
Kitchen fire, equipment and spoilage
Who you'll be talking to
Chad Kramer
Founder & CEO · Licensed Agent, State of Texas
Chad founded GrayStone in Austin in 2017 and has spent his career on the risks standard carriers decline — restaurants, bars, nightclubs and live-music venues. He built the agency's specialty and E&S market relationships personally, and he still reviews the hard submissions himself.
2017
Founded in Austin
50+
Specialty & E&S markets
1:1
Every submission reviewed
DEV NOTE — confirm Chad's TX license number with the client and append it to the title line.
General Liability
Slip-and-falls, foodborne illness claims and third-party property damage.
A claim on the loss run
Kitchen fire, slip-and-fall, or an A&B suit. We underwrite the story, not just the score.
Liquor Liability & A&B
Dram-shop exposure and assault & battery — the coverage most Texas quotes exclude.
Property & Equipment
Kitchen fire, hood systems, walk-in breakdown, spoilage and tenant improvements.
Liquor sales over 40%
Standard markets treat you like a bar. We place liquor liability and assault & battery every week.
Kitchen fire, slip-and-fall, or an A&B suit. We underwrite the story, not just the score.
A claim on the loss run
★★★★★ 4.9
11 Google reviews · GrayStone Insurance Group
What Texas operators say
Rated 4.9 on Google.
★★★★★
"GrayStone saved my company over $32,000 a year. They are amazing at finding the best rates — I recommend them to all of my clients."
Google review · Austin, TX
★★★★★
"I've had Mr. Kramer as my agent for seven years. Very attentive — he always checks for the best coverage and price before quoting."
Google review · Austin, TX
★★★★★
"I've worked with Chad as my commercial agent for over 12 years. Excellent service — he gets back to me immediately."
Google review · Austin, TX
Writing coverage statewide from four Texas offices
Austin
Dallas
Houston
San Antonio
Fifteen minutes now beats a declination letter in October.
Fifteen minutes now beats a declination letter in October.
Tell us what's on your loss runs and what's been declined. You'll leave the call knowing whether your risk can be placed, roughly where pricing lands, and what a Texas restaurant program should actually include.
No forms, no aggregators, no call center.
A licensed specialist — not a service rep.
Straight answer on the call, even if it's no.
