Florida Restaurant Insurance quote and information.

1. Why is insurance for restaurants important?
2. What kind of property exposure is there?
3. What about customer liability?
4. How about possible crime?
5. What if I want to sell alcohol?
6. What is the price of Restaurant insurance?
7. Is insurance for Restaurant required in Florida?
8. What coverages are common to Restaurant businesses?
9. How much worker comp is required in the state of Florida for a restaurant?
10. Can you provide insurance anywhere in the state?

Why is restaurant insurance important?

Restaurants offer a full menu of food items and may or may not also offer alcoholic beverages. A restaurant may specialize in a specific type of cuisine or may serve a general menu. Additional exposures may develop from music or entertainment, various promotions, and events. Some may have small dance areas. These various exposures make Florida Restaurant Insurance crucial to protect your business.

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What kind of property exposure is there?

In most Florida restaurant insurance programs, property exposure is substantial. The major hazards come from cooking. The more grease-laden vapor you produce, the greater the exposure to fire. All grills and deep fat fryers must have fire extinguishing protection, hoods and filters. There should be fuel shut-offs and adequate hand-held fire extinguishers.

Keep the kitchen grease free to prevent the spread of fire and to protect Florida employees. Kitchen cleanliness is the best prevention against fire.

Most restaurants are tenants, so Business Personal Property is the major exposure. Depending on the restaurant insurance program, an alternative location can minimize business income losses. It lets you continue operations and keep your customers. Returning to normal operations after a loss is difficult. Income can lag substantially after you reopen if regular customers have moved to a new “favorite” restaurant.

How about possible crime and commercial restaurant insurance?

Florida restaurant insurance can help with crime exposures. These are dependent on the money and stock available to steal. If the Florida restaurant uses expensive cuts of meat or provides alcohol, theft of stock could be a problem. If the cash receipts are high, both employee dishonesty and holdup are concerns that must be addressed.

What about customer liability?

Premises liability losses occur from spilled food and also from interaction between the serving staff and the customer. Instruct all Florida employees in proper customer handling, including how to deal with disgruntled or overly enthusiastic customers. Restaurant liability insurance often covers this exposure.

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What if I want to sell alcohol?

Liquor liability losses depend on the amount and type of alcohol served. They also depend on how strictly you follow policies on who can be served and how much. Employees who serve alcohol should complete training courses in recognizing intoxication problems and dealing with customers. Programs that encourage designated Florida drivers or offer free taxi service can be useful. Restaurant liability insurance may be more expensive if alcohol is sold.

What is the price of Restaurant insurance?

There’s no single price, because insurers rate each restaurant on its own details. The biggest factors are the ones our quote form asks about:

• The type of restaurant
• Annual sales
• Square footage and seating capacity
• How late you’re open
• Whether you serve alcohol
• How much of your sales come from catering
• Whether you deliver or have live entertainment
• Your number of employees and payroll
• The liability limits you want
• Your years of experience
• Your claims history

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Restaurant required in Florida?

Florida requires workers’ compensation once a restaurant has four or more employees. Owners who are corporate officers or LLC members count toward that number. Sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

Beyond that, the coverage you need usually comes from your lease, your lender or the venues you cater for. They often require general liability and property insurance with specific limits. Check those contracts before you open.

How much worker comp is required in the state of Florida for a restaurant?

Workers Compensation in Florida is written as “Statutory Limits,” with no real limit listed on the policy. A separate part of the policy, called Employers Liability, is written with minimum limits. Those limits are $100,000 each accident, $500,000 disease policy limit and $100,000 disease each employee. Employers Liability is for rare occurrences. In those cases the Workers Compensation Statutes may not apply directly, and liability coverage is needed.

In Florida, non-construction businesses must carry workers compensation coverage once they have four or more employees. Corporate officers and LLC member-owners count as employees. So do statutory employees, who are individuals not paid as employees but who qualify as employees under the workers compensation statutes.

What other insurance should a Restaurant consider?

Commercial Property, Employee Dishonesty, Money and Securities, General Liability, Liquor Liability, Employee Benefits, Umbrella, Commercial Auto, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.