What else matters on a Florida restaurant file besides price?

Property and wind availability after a non-renewal, liquor liability that matches how you serve, lease additional-insured wording, and workers’ compensation placement. Jupiter Coverage can review those items for free. Workers’ compensation dividends, when a program qualifies, are not a lower quoted rate and are not guaranteed.

How do I ask for a restaurant insurance quote?

Use the quote form on this page or call (561) 529-4949. Weekday callback same day. Phone Monday–Friday, 9:00 AM – 7:00 PM. Office hours Monday–Friday, 8:00 AM – 5:00 PM.

Florida restaurants

Restaurant insurance when Florida gets hard.

Q: What is usually on a Florida restaurant policy?

Most restaurant files start with general liability, property for the build-out and kitchen equipment, and workers’ compensation when you have employees. If you serve alcohol, liquor liability is usually its own form. What belongs on yours depends on the lease, the liquor license, and how you serve.

Property and wind availability after a non-renewal, liquor liability that matches how you serve, and a free lease insurance review — plus general liability and workers’ compensation.

Weekday callback same day.

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Phone Monday–Friday, 9:00 AM – 7:00 PM. Office hours Monday–Friday, 8:00 AM – 5:00 PM. Call (561) 529-4949.

Request a quote

Request a quote — weekday callback same day. Free lease insurance review available.

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Name

Phone

Restaurant name

City in Florida

Do you serve alcohol?

Yes No

Current policy renewal month (optional)

Or call (561) 529-4949

What is typically on the file

General liability

The form landlords and vendors usually ask about first. Guest slips, food claims, and catering away from the dining room. Additional insureds should match the lease.

Liquor liability

If you serve alcohol, liquor liability is usually separate. A general liability form often does not cover claims that come from serving alcohol when that is part of the business.

Property

Build-out, kitchen equipment, furniture, and stock. In Florida, wind and hurricane deductibles are often a percentage of the insured value. Spoilage and equipment breakdown are not automatic.

Workers’ compensation

Florida generally requires coverage once a non-construction employer has four or more employees. Payroll should follow cooks, servers, and delivery as they actually staff.

Workers’ compensation is about the program, not a cheaper sticker rate.

Florida restaurant files still need the right carrier fit for payroll and loss history. Jupiter Coverage works with carriers that offer dividend programs when the account qualifies. A dividend is not a lower quoted rate, and it is not guaranteed on every account.

Questions owners ask

What is usually on a Florida restaurant policy?

Most files start with general liability, property for the build-out and kitchen equipment, and workers’ compensation when you have employees. If you serve alcohol, liquor liability is usually its own form. The lease, the liquor license, and how you serve decide the rest.

Does general liability cover alcohol service?

Often no, when serving alcohol is part of the business. Liquor liability is a separate discussion from a guest slip or a food claim.

Do you work outside the Jupiter area?

Yes. This page is for restaurant, bar, and cafe owners anywhere in Florida. Call (561) 529-4949 or use the form above.

What if we were non-renewed or can’t find property/wind?

Florida property and wind markets move fast. Send the non-renewal or declination with your quote request. We also do a free lease insurance review so additional-insured and waiver wording match the landlord’s ask.