Restaurant Insurance: What Coverage Is Needed? 

Running a restaurant in Florida is both rewarding and challenging. With unique risks ranging from hurricanes to customer liability claims, having the right insurance is vital to help safeguard your business from financial loss and support recovery when unexpected events occur.

At Delia Izquierdo Insurance Agency, we understand the needs of restaurant owners in Miami, FL and can help you navigate your insurance options. Consider these essential coverages for Florida restaurants:

Commercial General Liability Insurance

This foundational coverage can help financially protect your restaurant if a customer is injured on your premises or if your business damages a third party’s property. It can cover legal fees, medical expenses, and settlements, helping your business financially manage unexpected incidents and maintain business continuity.

Property Insurance

Florida’s climate can be unpredictable, with hurricanes and storms posing real threats. Commercial property coverage can help pay for repairs or replacement costs if your business property (e.g., building, kitchen equipment, furniture, and inventory) is damaged by events like fire, theft, or severe weather.

Workers’ Compensation

If you have employees, Florida law typically requires you to carry workers’ compensation insurance. This coverage can help pay for medical expenses and lost wages if an employee is injured or becomes ill due to their job.

Liquor Liability Insurance

If your restaurant serves alcohol, liquor liability insurance is crucial. It can help protect your business if a customer causes harm or property damage after consuming alcohol at your establishment.

Business Interruption Insurance

Unexpected events, such as a fire or hurricane, can force your restaurant to close temporarily. Business interruption coverage can help compensate for lost revenue and ongoing operational costs during the downtime.

Additional Coverages to Consider

Depending on your restaurant’s specific risk exposure, you may also wish to consider these additional coverage types:

• Commercial auto insurance (if you offer delivery or catering services)
• Food contamination or spoilage coverage
• Equipment breakdown insurance
• Cyber liability insurance (for restaurants handling online orders or customer data)

How Our Team Can Help

Every restaurant is unique, and insurance needs can vary based on your location, size, and services. Our team at Delia Izquierdo Insurance Agency specializes in helping Florida restaurant owners find tailored coverage that fits their business and budget. Contact us today to discuss your insurance needs and get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.