Restaurant 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.
Florida restaurants
Florida restaurant insurance when the market gets hard.
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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We have your restaurant quote request. We call back the same weekday at the phone or email you entered.
Call (561) 529-4949 if you want the office sooner. Office hours are Monday–Friday, 8:00 AM – 5:00 PM.
What a cafe owner said on Google
Excellent experience with Jupiter Coverage! Jeremy was professional, knowledgeable, and very helpful throughout the insurance process for our new café. His communication and customer service were outstanding. I truly appreciate his support and highly recommend him!
Alex Velazquez
What a Florida restaurant insurance policy typically includes
Liquor liability for bars and restaurants
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.
Restaurant property and kitchen equipment
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 for restaurant staff
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.
Do you insure restaurants in Miami, Orlando, Tampa, and Jacksonville?
Yes. This page is for restaurant, bar, and cafe owners anywhere in Florida, including Miami, Orlando, Tampa, Jacksonville, and Palm Beach County. The one office is in Jupiter, and Florida restaurant files are reviewed and serviced from there. Call (561) 529-4949 or use the form above.
Do you insure Florida bars and catering businesses too?
Yes. Bars, cafes, and restaurants that cater away from the dining room are reviewed the same way. Catering off premises and alcohol service change general liability and liquor liability, so tell us where you serve and how alcohol is sold. For Florida catering insurance, the first questions are where your events happen and whether you serve alcohol at them.
Do you insure restaurants and food businesses in Jupiter, Palm Beach County, and Martin County?
Yes, including cafes, bakeries, caterers, and other Palm Beach County food businesses. The office is at 1106 W Indiantown Rd, Suite 3, in Jupiter, close to restaurants in Jupiter, Tequesta, Juno Beach, Palm Beach Gardens, West Palm Beach, Boca Raton, Delray Beach, and Stuart. For coastal and waterfront locations, read the wind deductible and flood before storm season. Flood is a separate policy, usually with a waiting period, so it should not wait for a storm forecast.
Does Florida’s dram shop law mean we can skip liquor liability?
No. Florida’s dram shop statute limits when a seller can be held liable for serving alcohol, but liquor claims still happen there, and a general liability form often does not cover them when serving alcohol is part of the business.
Is food spoilage covered after a hurricane power outage?
Not automatically. A basic property form may not cover food lost after a power outage or a cooler failure unless spoilage is added. Power outages after a storm make spoilage, equipment breakdown, and business interruption worth reading closely, so we review what you hold in cold storage and how long it would really take to reopen.
Are employees who deliver in their own cars covered?
Hired and non-owned auto is meant to protect the restaurant when employees deliver in their own cars or run errands for the business; it does not cover damage to the employee’s car. A vehicle the restaurant owns, including a catering van, belongs on a commercial auto policy with its drivers listed.
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.
Is a guest’s food poisoning claim covered?
A guest who gets sick and claims your food caused it is usually a bodily injury claim under general liability, through its products and completed operations coverage, so check that this part of the policy is not excluded or limited. What general liability usually does not pay is your own loss: discarded food, cleanup, and lost income if the health department closes the kitchen. Some restaurant property or package policies offer food contamination coverage as an optional add-on, usually with its own limit, so ask whether yours includes it.
If we offer valet parking, are guests’ cars covered?
Usually not under general liability. Damage to a guest’s car while your staff has the keys is generally excluded because the car is in your care, custody, or control. Garagekeepers coverage is written for that exposure, and the employees who park cars also raise hired and non-owned auto questions. If an outside valet company runs the stand, ask for its certificate showing garagekeepers and auto liability, with the restaurant named as additional insured if your contract calls for it.