Insurance for hotels, restaurants, and bars
Hospitality businesses deal with risks a typical office never sees. Guests come and go all day, alcohol gets served, and food gets prepared on site. We build coverage around that reality.
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What we cover
General liability
Covers slip-and-fall injuries, guest accidents, and property damage claims. It's the base policy for almost any hospitality business.
Liquor liability
Covers incidents connected to serving alcohol. Landlords, lenders, and liquor license terms often require it.
Commercial property
Covers your building, kitchen equipment, and furnishings, plus lost income if you have to close after a covered loss.
Workers' compensation
Covers medical costs and lost wages if an employee gets hurt on the job, including seasonal staff.
Flood and windstorm
Covers named storm and flood damage. Coastal properties usually need this as a separate policy.
Commercial auto and umbrella
Covers shuttle vans and delivery vehicles, plus extra liability limits above your other policies.
Who we work with
We work with independent hotels, restaurants, bars, and catering operations across Florida. Whether you run one location or a few, we build a program that can grow with you.
Also managing a rental property or an investment portfolio alongside your hospitality business?See our short-term rental coverageorour real estate investor coverage.
Let's look at your current policy
Tell us what you have now and we'll tell you honestly if we can improve on it.
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