Tourist volume
International Drive, the theme-park corridor and Disney Springs-area restaurants serve visitors at high volume. More covers means more slip, burn and food-borne illness exposure, and higher general liability limits.
For restaurants, cafés, bars, food trucks and caterers in Orlando, Winter Park, Kissimmee, Lake Nona and across Central Florida. Hurricane-ready, built to your lease, in English, Spanish or Portuguese.
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High volume is good for sales and hard on liability.
An Orlando restaurant can serve more guests in a weekend than a small-town restaurant sees in a month. More covers mean more slips, burns and claims, and franchise and mall leases add their own requirements. We size the limits to the volume and match the lease line by line.
Generic restaurant policies are written for the average state. Orlando adds its own exposures.
International Drive, the theme-park corridor and Disney Springs-area restaurants serve visitors at high volume. More covers means more slip, burn and food-borne illness exposure, and higher general liability limits.
Central Florida is inland but not storm-proof. Wind deductibles still apply, and heavy rain floods low-lying areas well away from the coast.
Franchise agreements and mall leases often set specific limits, additional insureds and umbrella requirements we have to match.
Conventions and private events mean off-premises liquor and certificates for venues.
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 Orlando, 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.
Many do. Central Florida is inland, but heavy rain floods low-lying areas, and standard property excludes flood. If you are in or near a flood zone, separate flood coverage is worth pricing.
