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Coverage built for Florida kitchens, bars, and dining rooms.

Restaurants carry risk on every shift — a slip by the host stand, an over-served patron, a walk-in that fails on a 95° afternoon. We bundle the coverages that matter and make sure the ones everyone forgets — liquor liability and food spoilage — are actually in the policy.

Get a Restaurants quote (954) 872-1136

~48,000 Restaurant & foodservice locations in Florida (National Restaurant Assn., 2024).

Who we cover

Trades & operations we write

Full-service restaurants
Quick-service & fast casual
Bars & taverns
Breweries & taprooms
Cafés & coffee shops
Food trucks
Caterers
Nightclubs & lounges
Event & banquet venues

What you’ll likely need

The coverages that matter for restaurants

We tailor the program to your operation — these are the policies most restaurants accounts carry.

Business Owner’s Policy Bundles General Liability + commercial property (often + business income) at a lower combined cost. Learn more General Liability Covers third-party bodily injury, property damage, and advertising injury — like a customer slip-and-fall. Learn more Liquor Liability Covers claims that arise from serving or selling alcohol — separate from your GL. Learn more Workers’ Compensation Pays medical bills and lost wages for on-the-job injuries — and shields you from the lawsuit. Learn more Commercial Property Covers buildings, equipment, and inventory against fire, theft, wind, and more. Learn more Equipment Breakdown & Food Spoilage Covers mechanical or electrical failure — and the refrigerated inventory it spoils. Learn more Cyber Liability Covers data breaches, ransomware, and the cost of cleaning up after an attack. Learn more

Florida requirements

What Florida actually requires

The specifics generalists miss — and we don’t.

Liquor liability is separate from GL — required for anyone serving or selling alcohol.
Workers’ Comp is mandatory at 4+ employees (non-construction).
Equipment breakdown & food spoilage matter in Florida heat — confirm the spoilage sublimit covers a full walk-in.
Cyber matters the moment you take cards or online orders.

Questions, answered plainly

Restaurants insurance FAQs

Is liquor liability really separate from my general liability?

Yes. GL won’t respond to an over-service claim — you need a dedicated liquor liability policy. We also check the assault-and-battery sublimit, which is the piece most often quietly excluded for bars and nightclubs.

What happens if my walk-in cooler dies and I lose inventory?

That’s equipment breakdown plus food spoilage — and standard property usually won’t pay for it. We make sure your spoilage limit reflects what you actually keep on hand, not a token number.

Do food trucks need different coverage than a restaurant?

Similar coverages, different structure — you’re adding a mobile-vehicle exposure and often event-venue requirements. We tailor the policy to how and where you actually operate.

Florida insights for restaurants

All insights

Workers’ Comp

Florida’s 2026 Workers’ Comp Rate Cut: The Ninth Straight Year of Savings

Florida approved a 6.9% statewide workers’ comp rate decrease effective January 1, 2026 — the ninth consecutive annual cut, with roofing down even further. Here’s what it means for your payroll and your next renewal.

5 min read

Ready to cover your restaurants business?

Tell us about your operation — a real advisor will shop A-rated carriers and get you options, usually the same day.

Get a Quote (954) 872-1136