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hot kitchens, full dining rooms

Insurance for restaurants in Florida

Running a restaurant means busy floors, hot kitchens and long hours. I’m Chris, and I can help you talk through your coverage.

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FL License #G193830

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The basics

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Guests and visitors

A customer who slips on a wet floor and gets hurt is the classic case for general liability.

Your staff

Cooks, servers and dishwashers deal with burns, cuts and spills. Workers’ comp is for those injuries.

Kitchen and contents

A kitchen fire can stop everything. Ask me about property coverage for equipment, furniture and stock.

Proof for your lease

Landlords often require proof of insurance in the lease. Bring me a copy and we’ll see what it asks for.

What can go wrong

Restaurants have a lot moving at once. These are the problems I’d think about first.

  • A guest slips on a freshly mopped floor near the entrance. General liability is the one to ask about.
  • A grease fire damages the hood and ceiling. Ask me about commercial property.
  • A storm knocks out power and your walk-in cooler warms up. Spoilage may be something you can ask about, and it varies by company.
  • A line cook gets a bad burn during the dinner rush. Ask me about workers’ comp.
  • A guest drinks too much and something happens after leaving. If you serve alcohol, liquor liability is a separate coverage to ask about.
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Coverage to ask me about

In Florida, construction businesses generally need workers’ comp once they have one or more employees, and other businesses generally need it at four or more employees. The Florida Division of Workers’ Compensation has the official rules.

  • General liability. It responds to guest injuries and property damage tied to your business.
  • Workers’ compensation. It helps when an employee is hurt at work.
  • Commercial property. It can cover kitchen equipment and building contents, depending on the policy.
  • Commercial auto. If you deliver food or run supply trips, ask me about it.
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What I’ll ask you

Tell me about your place and I’ll take it from there.

  • What kind of restaurant you run, and whether you serve alcohol.
  • Your annual sales.
  • How many people you employ and what payroll looks like.
  • Whether outside contractors handle cleaning or delivery.
  • Past claims, if any.
  • What your landlord, lender or a contract requires.
  • When you want the policy to start.
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Questions I get

Does general liability cover spoilage after a power outage?

Usually not on its own. Ask me about spoilage coverage and what a policy says.

Do I need liquor liability?

If you serve alcohol, it’s worth asking about. It’s separate, and availability differs by company.

My lease says I need insurance. What now?

Send me the lease language. I’ll help you read what the landlord wants.

Is a kitchen fire covered?

Commercial property is the coverage to ask about. Details depend on the policy.

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Official sources

Coverage, eligibility and price depend on the company and your business. This page is general information, not a quote.

Have a question? Just ask.

Call me or send a quote request. You’ll hear back from a real person.