Insurance for restaurants in Florida

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.

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.

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.