GL · Restaurants & Bars
General Liability for Florida restaurants and bars.
Food service runs on foot traffic, hot kitchens, and full dining rooms — all of which create liability. We place GL tuned to hospitality and can quote eligible classes online.
What's covered
Protection for a busy dining room
The exposures food-service owners face every shift.
Slip-and-fall liability
Guest injuries from wet floors, steps, or crowded spaces.
Product liability
Claims tied to food served on your premises.
Personal & advertising injury
Reputational and advertising-related claims.
Premises medical payments
Minor guest injury costs without a liability finding.
Landlord additional insured
Required by most commercial leases.
Liquor liability (where needed)
We can add liquor liability for bars and venues that serve.
Why operators choose us
Coverage that keeps the doors open.
Hospitality-aware
We understand the difference between a quick-serve counter, a full-service kitchen, and a late-night bar.
Liquor liability handled
Serving alcohol changes your risk profile. We add the right liquor liability so you're protected and lease-compliant.
Round out the package
Pair GL with commercial property, workers' comp, or a BOP as your operation grows.
FAQ
Restaurant insurance questions
What insurance does a Florida restaurant need?
Most restaurants carry General Liability at minimum, and leases usually require it. Once you have employees you'll also need workers' comp, and if you serve alcohol you'll want liquor liability. Many owners bundle GL and property into a BOP.
Do I need liquor liability insurance?
If your establishment serves alcohol, yes — General Liability alone typically excludes alcohol-related claims. We add liquor liability so an over-serving or related claim doesn't fall on you personally.
Can you name my landlord as additional insured?
Yes. Commercial leases almost always require the property owner to be listed as an additional insured. We issue that endorsement and the certificate your landlord needs.
How fast can I get covered before opening?
For eligible classes we can move quickly — often quoting and binding GL the same day so you can finalize your lease and open on schedule.
Get your restaurant covered.
Quote eligible General Liability online, or tell us about your concept and we'll build the right package.