General Liability
Protection for eligible covered claims involving third-party bodily injury, property damage, and personal and advertising injury.
Restaurant, Bar & Tavern Insurance in Florida
Specialized Coverage for the Business Behind Every Table.
We help eligible Florida restaurants, bars and taverns pursue competitive insurance options for the risks involved in serving food and alcohol—with knowledgeable guidance from quote through renewal.
Serving eligible hospitality businesses throughout Florida · English & Spanish
Hospitality-focused guidance
One operation. Several important exposures.
- Restaurant, bar and tavern market access
- Food, alcohol and entertainment review
- Liability, property and income options
- Responsive bilingual service
Coverage matched to your establishment
Your menu is only part of the insurance picture
A family restaurant, a late-night bar and a tavern with live entertainment do not present the same risks. We review how your establishment operates, including food and alcohol sales, hours, seating, entertainment, delivery, catering and property values.
Those details help us approach appropriate hospitality markets, pursue competitive options and explain important exclusions or conditions before you choose coverage.
Hospitality businesses we may assist
Eligibility varies by insurer, location, hours, sales, alcohol exposure, entertainment, security, experience and loss history.
Hospitality coverage options
Protection for your guests, property and operations
We help identify available coverages based on your establishment and the exposures disclosed, subject to eligibility, policy terms, limits and exclusions.
Liquor Liability
Important available protection for certain covered claims arising from selling, serving or furnishing alcoholic beverages.
Commercial Property
Options for eligible buildings, tenant improvements, furniture, inventory and business personal property against covered causes of loss.
Business Income
Available protection for qualifying lost income and continuing expenses after a covered suspension of operations.
Equipment & Spoilage
Equipment Breakdown and food-spoilage options may be available, subject to causes of loss, limits, deductibles and policy terms.
Related Coverages
Workers’ Compensation, Cyber, EPLI, Commercial Auto and other options may be available based on the operation.
What shapes eligibility and price
Accurate operating details help us approach the right market
Hospitality insurers look beyond total sales. Complete details help reduce quote delays and allow us to identify options aligned with the way your establishment actually operates.
- Food and alcohol sales, seating, hours and years in business
- Live entertainment, dancing, security and late-night exposure
- Cooking methods, fire protection, delivery and catering operations
- Property values, payroll, prior coverage and loss history
A practical quote process
Start with the essentials of your establishment
Our short request gathers the basics. We then contact you for the details and documents required by appropriate available hospitality markets.
- 01
Describe the business
Share your location, concept, hours, food and alcohol sales, seating, entertainment, delivery and catering details.
- 02
Review the exposures
We organize property, payroll, prior coverage, loss history and the limits or contract requirements you need.
- 03
Compare eligible options
We explain available pricing, coverages, deductibles, exclusions and next steps before you decide.
Restaurant Insurance FAQ
Answers for Florida hospitality owners
What insurance does a Florida restaurant commonly need?
Needs vary by operation, but restaurants commonly consider General Liability, Commercial Property, Business Income, Equipment Breakdown, Workers’ Compensation and Cyber Liability. Restaurants serving alcohol should also review Liquor Liability. Coverage availability depends on underwriting and policy terms.
Do I need Liquor Liability if my restaurant or bar serves alcohol?
Liquor Liability is an important consideration for businesses that sell, serve or furnish alcohol. General Liability policies may exclude or limit alcohol-related claims when the insured is in the business of serving alcohol, so the policy and operation should be reviewed carefully.
Does restaurant insurance cover food spoilage or equipment breakdown?
Food spoilage and Equipment Breakdown coverage may be available by endorsement or as part of an eligible package. Limits, covered causes of loss, deductibles and exclusions vary by insurer and policy.
Can you insure restaurants with bars, live entertainment or late hours?
We can explore available markets for eligible operations. Insurers may review alcohol percentages, hours, entertainment, dancing, security, prior incidents and other details before determining eligibility, terms and pricing.
Is assault and battery coverage automatically included?
No. Assault and battery may be excluded, limited or offered subject to underwriting and additional premium. We help identify how the available policy addresses this exposure, but coverage must be confirmed in the policy forms and endorsements.
Can property, liability and liquor coverage be combined?
Eligible businesses may be able to combine several coverages in a package, while other operations may require separate policies. We review available options based on the building, contents, sales, alcohol exposure and requested limits.
What information is needed for a restaurant insurance quote?
We typically need the legal business name, location, years in business, annual food and alcohol sales, seating, hours, entertainment, delivery or catering details, property values, prior coverage and loss history. Additional information may be required.
Do you provide restaurant and bar insurance throughout Florida?
Yes. We assist eligible hospitality businesses throughout Florida from our West Palm Beach office, with service available in English and Spanish.
Hospitality insurance quote