Florida Restaurant Insurance: Requirements to Review

A restaurant’s insurance needs depend on its staff, premises, vehicles, alcohol service and contracts. Separate legal obligations from lease terms and the coverage you choose for your business.

Review workers’ compensation requirements

Florida generally requires non-construction employers with four or more employees, including certain business owners, to carry workers’ compensation. Employee counting and exemptions matter. Confirm your situation using the Florida Division of Workers’ Compensation’s current guidance.

Check licenses and contracts

For alcohol service, verify requirements for your specific license and operation with the Division of Alcoholic Beverages and Tobacco. Ask your advisor about liquor liability options and any lease or contract requirements rather than assuming a universal coverage limit.

Describe vehicles and delivery

Explain vehicle ownership, employee driving and delivery services. Confirm the applicable insurance requirements with your advisor and the relevant authorities.

Review the broader picture

Bring your lease, contracts and operational details to a review of property, liability and other available coverage. Legal minimums and contractual limits are starting points for discussion.

Request a restaurant insurance review.

Requirements and available coverage vary. Confirm current obligations for your particular operation.