Cuisine Coverage, powered by Hulett Insurance, launches as a nationwide restaurant insurance agency serving all 50 states from its Dallas, Texas headquarters. The new specialty division addresses a critical industry need: 38% of U.S. restaurant owners lack business insurance in 2025, up from 29% a year prior. With 15 coverage lines, 80+ specialty niche programs, and access to top-rated carriers, Cuisine Coverage delivers same-day proof of insurance and quotes within 24 hours.
Cuisine Coverage, a new specialty insurance division of Hulett Insurance, officially launched today as a dedicated resource for restaurants and food businesses nationwide. The agency directly addresses an alarming industry trend: according to a January 2025 NEXT Insurance survey of 1,500 restaurant owners, 38% of U.S. restaurant owners lacked business insurance—a significant increase from 29% the prior year.
Built on the foundation of Hulett Insurance's 30-year track record since 1995, Cuisine Coverage combines established credibility with specialized expertise. The agency maintains six Texas offices across Southlake, Arlington, Fort Worth, Sherman, Boerne, and San Antonio, providing deep regional roots while expanding nationally. Through partnerships with leading carriers including Nationwide, Chubb, Liberty Mutual, and Safeco, Cuisine Coverage accesses premium options tailored to food service operations of all sizes.
The agency's product suite includes 15 coverage lines—general liability, liquor liability insurance, workers' compensation, product recall, food contamination, and cyber liability—plus over 80 specialty programs addressing specific segments. Niche offerings span food trucks, caterers, bars, bakeries, coffee shops, and multi-location restaurant groups.
Restaurant insurance from Cuisine Coverage reflects this segmented approach, ensuring each business type receives precisely calibrated protection.
What distinguishes Cuisine Coverage in a competitive marketplace is its commitment to speed and accessibility. The agency delivers same-day proof of insurance and generates restaurant insurance quote options within 24 hours. Direct relationships with company leadership ensure personalized guidance rather than automated responses.
"Restaurant owners are running on margins too thin to guess about coverage. We built Cuisine Coverage so a chef, a food truck operator, or a fifty-unit franchisee can get the right protection explained in plain language — with proof of insurance the same day they need it." — Dustin Hulett, Founder & CEO, Cuisine Coverage
Cuisine Coverage's geographic reach extends across all regions. Operators in Texas restaurant insurance markets, from Houston and San Antonio to Dallas-Fort Worth and beyond, benefit from local presence combined with national resources.
Meanwhile, California restaurant insurance clients gain access to the same comprehensive coverage frameworks and rapid turnaround times, alongside expertise in state-specific regulatory requirements. This dual-track model, local relationships paired with national infrastructure, enables Cuisine Coverage to serve restaurants in high-density urban markets, emerging food scenes, and underserved rural communities equally.
A company spokesperson emphasized the urgency of the agency's launch: "The data is sobering—restaurants operating without adequate coverage face existential financial risk from a single incident. Our mission is to make specialized liquor liability insurance for restaurants and other critical protections accessible, affordable, and understandable."
How Cuisine Coverage Addresses Insurance Barriers in the Food Service Industry
Restaurant owners cite multiple obstacles to securing insurance: cost concerns, confusion about coverage types, and difficulty finding agents who understand food service operations. Cuisine Coverage dismantles these barriers through transparent pricing, plain-language policy explanations, and agents with genuine expertise in restaurant operations.
Key Features and Facts
- Geographic Coverage: All 50 states served from Dallas headquarters; six Texas offices in Southlake, Arlington, Fort Worth, Sherman, Boerne, and San Antonio
- Service Offerings: 15 coverage lines including general liability, liquor liability, workers' compensation, product recall, food contamination, and cyber liability; 80+ specialty programs spanning food trucks, caterers, bars, bakeries, coffee shops, and multi-location groups; dedicated franchisee/franchisor program
- Carrier Partners: Access to Nationwide, Chubb, Liberty Mutual, and Safeco alongside regional carriers
- Response Standards: Same-day proof of insurance; quotes delivered within 24 hours; direct agent relationships eliminating automated responses
Frequently Asked Questions
Q: What makes Cuisine Coverage different from general insurance brokers?
A: Cuisine Coverage specializes exclusively in restaurants and food businesses, not general commercial accounts, enabling agents to understand industry-specific risks like food contamination and liquor liability.
Q: What coverage does a typical restaurant owner need?
A: Most restaurants benefit from a foundational package combining general liability (covering slip-and-fall incidents), liquor liability (if serving alcohol), workers' compensation, and cyber liability for customer data protection. Cuisine Coverage works with each owner to assess specific risks and builds customized coverage frameworks accordingly.
Q: Does Cuisine Coverage serve restaurant owners outside Texas?
A: Yes, Cuisine Coverage serves all 50 states through its nationwide network. While the agency maintains strong roots in Texas with six regional offices, restaurant owners in California, New York, Florida, and all other states access the same carrier partnerships, coverage lines, and response standards through the Dallas headquarters.
Q: How can restaurant owners get started?
A: Restaurant owners can request a restaurant insurance quote through the Cuisine Coverage website or contact the team directly at the Dallas office. Most clients receive preliminary quotes within 24 hours, with final binding documents available the same day upon approval.
Visit Cuisine Coverage online to explore coverage options or request a personalized consultation.
About Cuisine Coverage: Cuisine Coverage, powered by Hulett Insurance, is a nationwide specialty insurance agency dedicated exclusively to restaurants and food service businesses. Backed by 30 years of insurance expertise and six Texas offices, the agency serves all 50 states with access to top-rated national and regional carriers, offering 15 coverage lines and 80+ specialty programs.
The agency delivers same-day proof of insurance and 24-hour quotes through direct agent relationships led by company leadership.
Learn more at https://www.cuisinecoverage.com/.
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Media Contact:
Cuisine Coverage
325 N. St. Paul Street, Suite 3100
Dallas, TX 75201
(214) 667-2729
Source: 38 Digital Market News
Release ID: 2602374
