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- FL Agency License L016633
Restaurant insurance
Restaurants, cafés, bakeries, food trucks and bars. We’ll cover your space, your equipment, your staff and the income you’d lose if a fire or storm closed your doors.
The short answer
Most Florida restaurants need general liability, property coverage for equipment and improvements, business income coverage, workers’ compensation once they reach four employees, and liquor liability if they serve alcohol. Spoilage coverage for food lost in a power outage and equipment breakdown coverage for coolers and kitchen equipment are worth adding. Many restaurants bundle these in a business owner’s policy.
A storm can close a restaurant for days, even without direct damage. Ask us how business income coverage, power outage and spoilage coverage work together on your policy, and what your wind deductible would be.
If you sell or serve alcohol, yes. General liability usually excludes claims tied to serving alcohol, and many landlords and licensing situations require it.
Only if your policy includes spoilage coverage, and some policies limit outages that start off your premises. We’ll check how your policy handles it.
Yes. Food trucks usually need commercial auto, general liability and coverage for the equipment inside.
