Core coverages in this program
- •Business Owner's Policy (property + general liability)
- •Liquor Liability
- •Workers' Compensation
- •Equipment Breakdown & Spoilage
- •Employment Practices Liability (EPLI)
- •Cyber Liability (POS breach)
- •Hired & Non-Owned Auto (delivery)
Florida requirements for restaurant & bar businesses
Florida's Division of Alcoholic Beverages and Tobacco licenses by county quota for full liquor. Florida's dram-shop law is narrow — liability attaches for service to a minor or a known habitual drunkard — but negligent-security and assault claims are far more common and are frequently sublimited or excluded. Read the assault-and-battery endorsement before you bind.
Workers' compensation in Florida
Florida requires workers' compensation at one employee for construction, four employees for most non-construction businesses, and one employee for agricultural operations with a seasonal threshold. Rates are developed through NCCI, with rates filed through the Florida Office of Insurance Regulation, and restaurant & bar payroll typically rates at $2.50 to $7 per $100 of payroll for restaurant class codes, with tipped wages included in the payroll base. Named-storm deductibles, roof-age underwriting, and Citizens/E&S property placements dominate Florida property pricing. Liability is usually easy to place; property is where the program gets structured.
What Florida operators actually pay in 2026
The ranges below reflect what KTL clients in Florida pay today for a small-to-midsize operation, adjusted for Florida rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical FL annual cost |
|---|---|---|
| Business Owner's Policy | Single location, under $1M sales | $1,800 – $6,500 |
| Liquor Liability | Beer/wine up to full bar | $900 – $5,500 |
| Equipment Breakdown | Walk-ins, HVAC, fryers, spoilage | $350 – $1,200 |
| EPLI | Wage-and-hour and harassment defense | $900 – $3,500 |
| Cyber Liability | POS and card-data breach response | $500 – $1,900 |
The Florida angle most brokers miss
Named-storm deductibles and roof age drive Florida restaurant property pricing more than the kitchen does. Business income with extended period of indemnity matters after a storm closure.
Exposures we underwrite for Florida accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Guest slip-and-fall and foodborne illness claims
- •Over-service and dram-shop exposure from the bar
- •Grease-fire property loss and extended business interruption
- •Wage-and-hour and harassment claims from hourly staff
- •Card-data breach through the point-of-sale system
Where we write in Florida
We serve Florida clients remotely by phone, email, and video — no office visit required — with concentrations in Miami–Dade, Broward, Orlando, Tampa Bay, Jacksonville, Fort Myers. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.