Restaurant & Café Insurance in Florida

Protect Your Business, Staff & Guests

At FLORIDA WE INSURE AGENCY, we know a restaurant isn’t just a building,  it’s your reputation, your investment, and the heartbeat of your team and community. Running a café, bistro, or full‑service restaurant in Florida means juggling daily operations, staff, inventory, and unpredictable risks: customer injuries, kitchen fires, equipment breakdowns, liability exposures, weather damage, and more.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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What Restaurant & Café Insurance Covers

For most Florida food service businesses, the following coverages provide essential protection:

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General Liability Insurance

Covers third‑party bodily injury or property damage (e.g. a customer slips or gets hurt, or property is damaged on your premises).

Commercial Property / Business Owners Policy (BOP)

Protects your building, kitchen equipment, furniture, inventory, and business contents against fire, theft, vandalism, storms, or other covered perils.

Workers’ Compensation Insurance

Covers your employees in case of work‑related injuries or illnesses — critical in a busy, fast‑paced restaurant environment.

Liquor Liability (if applicable)

For restaurants or bars that serve alcohol, this covers risks associated with alcohol-related incidents.

Business Interruption / Loss of Income Coverage

Protects you if your restaurant must close temporarily due to a covered event (fire, storm, damage), helping cover lost income and ongoing expenses.

Commercial Auto / Delivery Coverage

If your restaurant offers delivery services or uses vehicles for business operations, this covers accidents, liability, and vehicle damage.

Why Restaurant & Café Insurance Matters

Restaurants face a wide range of risks every day. From slip‑and‑falls in a wet dining room, to kitchen fires or equipment failures, food‑safety liability, damaged property, and even weather‑related damage in coastal or hurricane‑prone zones — one incident can disrupt operations, result in expensive claims, or even shut you down completely.


Whether a customer trips on a wet floor, a stove malfunctions, or a storm damages your building or inventory, having the right insurance can mean the difference between a quick recovery and a business‑ending loss.

Why Choose FLORIDA WE INSURE AGENCY for Your Restaurant Coverage

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30+ Florida Carriers Compared

We shop top insurers to find the best deal.

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Coverage Built for Florida's Risks

We know what Florida landscapers face: storms, coastal jobs, seasonal demand.

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Annual Policy Review & Re‑Shopping

As your business changes — more staff, expanded menu, added delivery services — we re‑evaluate your coverage to keep you protected and priced right.

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Free Legal Support for Claims

If a claim is delayed, denied, or disputed, our in‑house legal team will step in at no cost to advocate on your behalf.

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Real Local Agents, Not Call Centers

You work directly with experienced Florida‑based agents who understand the restaurant industry, local regulations, and regional risk factors.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Restaurant & Café Insurance FAQs

  • Is insurance required for restaurants in Florida?

    While not every coverage is mandatory, many landlords, health departments, and liquor licensing authorities require certain insurance — like general liability, workers’ compensation (if you have employees), or liquor liability if you serve alcohol.

  • Does standard business insurance cover kitchen fires or equipment breakdown?

    Not always. For full protection, you need property coverage (or a BOP) — this protects your building, equipment, furniture, and inventory. In high-risk areas, additional endorsements or specialized policies may be necessary.

  • Do I need special coverage if I do food delivery or catering?

    Yes. If you use vehicles for deliveries or off-site catering, you should have commercial auto or delivery‑specific coverage rather than relying on a personal auto policy.

  • What happens if there’s a natural disaster or storm damage?

    With proper property and business interruption coverage, your building, equipment, and lost income due to forced closure can be covered — helping you rebuild and reopen without bearing the full financial burden alone.

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Service areas

Areas We Serve — Restaurant & Café Insurance Across Florida

We provide restaurant and café insurance across the Sunshine State, including:

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Restaurant Insurance in St. Augustine, FL

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Restaurant Insurance in Jacksonville, FL

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Restaurant Insurance in Tampa, FL

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Restaurant Insurance in Sarasota, FL

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Restaurant Insurance Across Florida

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Insure Your Business Today

Don’t leave your restaurant exposed. Whether you run a café, diner, or full‑service operation with delivery and catering, we’ll build an insurance plan that protects your business, team, patrons, and future.