Georgia Restaurant Insurance
Georgia restaurant insurance from a veteran-owned Florida agency licensed in Georgia.
- 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 Georgia
Full-service restaurants, bar-and-grills, fast casual concepts, fine dining, food trucks, ghost kitchens, and bars with limited food service.
What Georgia requires
- Workers compensation threshold: 3 or more employees for construction; 3 or more for non-construction.
Georgia climate and risk considerations
Workers comp threshold is 3 regular employees. Coastal Georgia (Savannah) has hurricane exposure. GA OISFC registers amusement rides.
- Hurricane (coastal)
- Tornado
- Ice storm
Common Georgia venue requirements
Most Georgia venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common Georgia markets we issue certificates for:
- Atlanta corporate, school, and county venues
- Augusta corporate, school, and county venues
- Savannah corporate, school, and county venues
- Columbus corporate, school, and county venues
- Athens corporate, school, and county venues
What affects cost in Georgia
Georgia restaurant insurance premium depends on concept type, square footage, alcohol service model, claims history, and named-storm exposure. Workers comp threshold is 3 regular employees. Coastal Georgia (Savannah) has hurricane exposure. GA OISFC registers amusement rides. Georgia workers compensation is required for non-construction businesses with 3 or more employees.