Florida Restaurant Insurance
Florida restaurant insurance from a veteran-owned Florida agency licensed in Florida.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
100+ Years Combined
Deep commercial insurance knowledge across our team.
We Answer the Phone
Real Florida agents — never a call center, never a chatbot.
Veteran-Owned Agency
Independent, veteran-owned, headquartered in DeLand, FL.
24-Hour Certificates
Most COIs and additional-insured endorsements issue same business day.
Who we cover in Florida
Full-service restaurants, bar-and-grills, fast casual concepts, fine dining, food trucks, ghost kitchens, and bars with limited food service.
What Florida requires
- Workers compensation threshold: 1 or more employees for construction; 4 or more for non-construction.
- State liability minimum (GC): $300,000 liability, $50,000 property damage
Florida climate and risk considerations
Hurricane season runs June through November. Named-storm deductibles are typically a percentage of insured value rather than a flat dollar amount. Florida-resident agency based in DeLand.
- Hurricane season (June–November)
- Named-storm wind exposure
- Humidity
Common Florida venue requirements
Most Florida venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common Florida markets we issue certificates for:
- Orlando corporate, school, and county venues
- Tampa corporate, school, and county venues
- Miami corporate, school, and county venues
- Jacksonville corporate, school, and county venues
- Fort Lauderdale corporate, school, and county venues
- Tallahassee corporate, school, and county venues
What affects cost in Florida
Florida restaurant insurance premium depends on concept type, square footage, alcohol service model, claims history, and named-storm exposure. Hurricane season runs June through November. Named-storm deductibles are typically a percentage of insured value rather than a flat dollar amount. Florida-resident agency based in DeLand. Florida workers compensation is required for non-construction businesses with 4 or more employees.