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☀️ Florida · Restaurant & Bar Insurance

Restaurant & Bar Insurance
in Florida

Liquor Liability · General Liability · Property · Workers' Comp — licensed Florida specialists with 20+ years of commercial insurance experience.

📍 Licensed in FL · TX · CA · AZ · GA · WA · DC

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Licensed in Florida
20+ Years Experience
Independent — 6 Carriers Shopped
Liquor Liability Specialists
Same-Day Quotes

Protecting Florida Restaurant & Bar Owners for 20+ Years

Secure Risk Partners is licensed in Florida and specializes in restaurant, bar and tavern insurance across the state. Florida's massive tourism market drives enormous restaurant volume — and significant liability exposure for every operator.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
45,000+
Restaurants in FL
Tourism
Driven Market
DBPR
Liquor Regulator

Florida's tourism-driven restaurant market creates high volume liability and liquor exposure

Workers' comp is required for Florida businesses with 4 or more employees. Florida's Dram Shop Act creates liability for establishments that serve alcohol to minors or visibly intoxicated persons.

Every Coverage Florida Restaurant Owners Need

We write all of these for Florida restaurant and bar owners — individually or as a complete package.

⚠️ Essential if Serving Alcohol🍻

Liquor Liability

Covers claims arising from alcohol service. Standard GL policies exclude dram shop and liquor-related claims entirely.

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General Liability

Slip and falls, customer injuries, food-related illness claims and third-party property damage.

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Property Insurance

Building, contents, equipment and outdoor seating at replacement cost. Hurricane coverage available.

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Workers' Compensation

Required for businesses with 4+ employees in Florida — competitive placement available.

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Business Interruption

Replaces lost revenue and covers continuing expenses when a covered loss forces you to close or reduce operations.

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Crime & Employee Theft

Employee dishonesty and theft coverage — critical in cash-heavy restaurant environments.

We Know Florida Restaurants. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Florida and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Florida Restaurant Insurance FAQ

What coverages does a Florida restaurant owner actually need?
At minimum: general liability, property and workers' compensation. If you serve alcohol, liquor liability is essential. We also recommend business interruption and crime coverage for all restaurant owners.
What is Florida's Dram Shop Act and how does it affect my restaurant?
Florida's Dram Shop Act holds establishments liable for serving alcohol to minors or knowingly serving a habitually addicted person. Liquor liability insurance is essential protection for any Florida restaurant or bar serving alcohol.
Does general liability cover food poisoning claims?
Yes. General liability covers foodborne illness claims from customers. We make sure your policy includes products and completed operations coverage, which is the specific provision that applies to food service claims.
Do you cover bars and taverns that don't serve food?
Yes. We cover the full spectrum — restaurants, bars, taverns, nightclubs and entertainment venues. Liquor liability is the primary coverage concern and we specialize in placing it for establishments of all types.
How quickly can you get a Florida restaurant quote?
Same day in most cases. We need basic details — location, square footage, annual sales, whether you serve alcohol and current coverage — and we can have options in front of you within hours.
Can you cover a restaurant with a history of claims?
Yes. We work with carriers including Lloyd's of London that consider non-standard risks. Prior claims don't automatically disqualify you. Call us to discuss your situation directly.

Ready for Your Florida Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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💬 Ask Alex
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Alex
SRP Insurance Assistant