Rain flooding
In April 2023, Fort Lauderdale recorded record rainfall that flooded streets and businesses far from the beach. Flood coverage is not just for oceanfront restaurants.
For restaurants, cafés, bars, food trucks and caterers in Fort Lauderdale, Las Olas, Wilton Manors, Hollywood and across Broward County. Hurricane-ready, built to your lease, in English, Spanish or Portuguese.
Backed by an international broker with offices worldwide, with access to A-rated carriers and specialists in complex risks. Licensed in New York and Florida.
In Fort Lauderdale, water comes from the sky as well as the sea.
The April 2023 floods reached restaurants miles from the ocean, and standard property paid nothing for the water. Between hurricanes, rain, salt air and busy nightlife, a Fort Lauderdale program needs flood, wind and liquor all in the right places. We build it that way, from our office in Broward.
Generic restaurant policies are written for the average state. Fort Lauderdale adds its own exposures.
In April 2023, Fort Lauderdale recorded record rainfall that flooded streets and businesses far from the beach. Flood coverage is not just for oceanfront restaurants.
Fort Lauderdale Beach, the Intracoastal and Las Olas mean patios, docks and salt air, which affect property, equipment and liability.
Las Olas, Himmarshee and Wilton Manors bars and lounges need liquor liability with assault and battery coverage.
Restaurants with dockage or boat-up service may need marine or dock liability. We write marine too.
Most non-construction Florida businesses must carry workers' comp at four or more employees, part-time included. See workers' comp in Florida.
Florida's dram shop law (§768.125) limits a seller's liability, except for serving a minor or knowingly serving someone habitually addicted to alcohol. Those claims are what liquor liability defends.
Most Florida businesses outside construction must carry workers' compensation once they have four or more employees, counting part-time staff and corporate officers who have not filed an exemption.
Comp is priced on payroll by class code, plus a flat $160 expense constant on Florida's 2026 rate pages. A kitchen burn or a fall can still become a lawsuit below four employees, so most restaurants carry it from the first hire.
Why one submission matters. When several agents send the same business to the same carriers, the market gets blocked and your quote slows down.
| Policy | Typical range |
|---|---|
| BOP for a small restaurant or café | $150–$250 a month |
| General liability | $800–$2,800 a year |
| Commercial property | $1,700–$11,000 a year |
| Liquor liability | $400–$3,500 a year |
| Mid-size restaurant package | $3,000–$15,000 a year |
Market guidance, not quotes or guarantees of coverage. More detail in restaurant insurance cost in Florida.
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In ranges published by Florida agencies, a small restaurant or café's Business Owner's Policy commonly runs about $150 to $250 a month, and mid-size restaurant packages $3,000 to $15,000 a year. In Fort Lauderdale, the building, flood zone, alcohol share and payroll move the price. These are illustrative ranges, not quotes.
General liability and property to meet the lease, a windstorm deductible you can afford, separate flood coverage in flood zones, business income, food spoilage, liquor liability if you serve alcohol, and workers' comp at four or more employees.
Property coverage usually includes windstorm with a separate named-storm deductible, often a percentage of insured value. Flood from storm surge or rising water is excluded and needs separate flood coverage.
Most Florida businesses outside construction must carry workers' comp at four or more employees, including part-time staff and officers who have not filed an exemption.
Yes. Our office is in Hollywood, in Broward County, and we work with restaurants across Fort Lauderdale and South Florida in English, Spanish and Portuguese.
