Hurricane season
A storm closure hits property, business interruption and spoilage at the same time. Coordinate all three before June; many markets stop binding new coverage once a storm is active.
For independent restaurants, restaurant groups, cafés, bakeries, bars, food trucks and ghost kitchens across Florida, from Miami and Fort Lauderdale to Orlando, Tampa and Jacksonville. Service in English, Spanish and Portuguese.
Backed by an international broker with offices worldwide, with access to A-rated carriers and specialists in complex risks. Licensed in Florida and New York.
No two restaurants carry the same risk. Your policy shouldn’t pretend they do.
A café, a beach bar and a chef-driven dining room all need general liability, but that is where the similarity ends. Alcohol, storms, delivery, build-out value and staffing change what belongs in the program and how the market prices it.
Generic restaurant policies are written for the average state. Florida adds storms, flood zones and its own rules on alcohol and workers’ comp.
A storm closure hits property, business interruption and spoilage at the same time. Coordinate all three before June; many markets stop binding new coverage once a storm is active.
Many coastal restaurants sit in FEMA flood zones. The NFIP covers up to $500,000 for the building and $500,000 for contents on commercial risks; private flood can go higher.
Non-construction businesses, including restaurants, must carry workers' compensation with 4 or more employees. Part-time and seasonal staff count.
Florida liquor licenses are issued by the DBPR. Florida law (section 768.125) limits a seller’s liability but not when serving minors or knowingly serving someone habitually addicted to alcohol.
Landlords usually require minimum limits, additional insured status, a waiver of subrogation and sometimes primary and non-contributory wording. Send us that section before we quote.
If staff deliver in their own cars, their personal auto policy may not respond for your business. Hired and non-owned auto closes that gap.
Restaurants, cafés, bakeries, bars and food trucks in Florida must carry workers’ compensation once they have 4 or more employees. Part-time and seasonal employees count. The 1-employee rule applies to construction, not to restaurants.
If your headcount swings between high and low season, we will review it with you before an audit does. Workers’ comp guide (in Spanish).
Why one submission matters. When several agents send the same restaurant to the same carriers, the market gets blocked and your quote slows down.
| Coverage | Illustrative range |
|---|---|
| General liability | $800–$2,800 per year |
| Commercial property | $1,700–$11,000 per year |
| BOP for a small restaurant | $150–$250 per month |
| Liquor liability | $400–$3,500 per year |
| Food spoilage | $200–$500 per year |
| Mid-size restaurant package | $3,000–$15,000 per year |
Third-party estimates, not NextGuard quotes. Your price depends on sales, payroll, alcohol share, property values, location, claims history and each carrier’s appetite.
Tenemos páginas completas en español para restaurantes en Miami, y te atendemos en español de la cotización al certificado.
Fill out the form or email your documents. We will follow up in English, Spanish or Portuguese.
It depends on sales, payroll, alcohol share, location, property values and claims history. Other Florida agencies publish illustrative ranges of $800 to $2,800 a year for general liability and $3,000 to $15,000 a year for a mid-size restaurant package. Those are estimates, not quotes.
Workers' compensation is required for non-construction businesses with 4 or more employees, including part-time staff. Most other coverages are required by your lease, your lender or your contracts.
Yes. Standard general liability usually excludes alcohol-related claims, so any alcohol sales call for liquor liability.
Wind can be included or excluded depending on the policy. In Florida it often carries a separate named-storm deductible calculated as a percentage of insured value. Review business interruption and food spoilage as well.
No. Flood is a separate policy, written through the NFIP or a private market. The NFIP covers up to $500,000 for the building and $500,000 for contents on commercial risks.
Usually general liability with minimum limits, the landlord as additional insured, a waiver of subrogation and sometimes primary and non-contributory wording. Send us the insurance section of your lease and we will review it before quoting.
Yes. A food truck needs commercial auto plus general liability and certificates for events and commissaries. A ghost kitchen needs product liability, coverage for equipment in a shared kitchen, delivery coverage and cyber for online orders.
Yes. We work in English, Spanish and Portuguese, from the application to the policy and certificates.
