Restaurants & Bars Insurance
Whether you own a café, operate a bar, or manage a full-service restaurant, your business faces a unique set of risks. At Pelican Shield Insurance Group, we offer tailored insurance solutions for restaurants and bars in Florida and Virginia—designed to protect your staff, your property, and your patrons.
Serve With Confidence – Protect Your Business
Hospitality businesses are fast-paced environments where accidents, injuries, and alcohol-related incidents can happen quickly. Without the right insurance, a single event could lead to financial loss or even a temporary closure.
At Pelican Shield Insurance Group, we provide customized insurance solutions for restaurants, bars, cafés, breweries, and venues. Whether you’re concerned about slip-and-fall liability, property damage, or liquor-related risks, we help build a coverage plan that supports your operations and meets local requirements in Florida and Virginia.
Essential Insurance for Restaurants & Bars
Running a restaurant or bar comes with exposures that go beyond general liability. Our policies are built to cover the risks that come with serving food and alcohol, managing staff, and maintaining public spaces.
Helps cover third-party injuries or property damage on your premises—like slip-and-fall claims or accidents involving delivery partners.
Essential for businesses that serve alcohol, this policy may help cover claims involving intoxicated patrons who cause harm or property damage.
Covers your restaurant’s building, furniture, kitchen equipment, and inventory against fire, theft, vandalism, or severe weather.
Business Interruption Insurance
Helps replace lost revenue and operating costs if your restaurant is forced to close temporarily due to a covered event.
Workers’ Compensation Insurance
Required in both Florida and Virginia, this policy helps pay for medical expenses and lost wages if an employee is injured on the job.
Why Restaurants Trust
Pelican Shield Insurance Group
Support for Liquor License Compliance
We help ensure you meet city and county insurance requirements in Florida and Virginia when applying for or renewing your liquor license.
Service That Keeps Pace With Your Business
We know timing matters in the hospitality industry. Our team works quickly to deliver COIs, make policy updates, or review leases and event contracts.
Independent Agency Advantage
We partner with multiple carriers to offer options that reflect your restaurant’s unique operations—without overspending on unnecessary coverage.
Restaurants & Bars Insurance FAQs
What insurance is required for restaurants and bars in Florida and Virginia?
Most hospitality businesses need general liability and property coverage at minimum. If you serve alcohol, many local governments require liquor liability insurance as part of your licensing process.
Does general liability insurance cover alcohol-related incidents?
No. Alcohol-related claims are typically excluded from general liability policies. You’ll need a separate liquor liability policy to cover claims involving intoxicated patrons.
What types of food businesses benefit from restaurant insurance?
Restaurants, bars, cafés, food trucks, caterers, nightclubs, and breweries in both Florida and Virginia can benefit from a tailored policy that accounts for their unique risks.
How much does restaurant insurance cost in Florida and Virginia?
Costs vary based on location, business size, staff count, and whether you serve alcohol. For example, bars in downtown Tampa may see higher liquor liability premiums, while restaurants in Charlottesville might face different property risk profiles.
Can I bundle multiple types of coverage into one policy?
Yes. Many restaurant owners choose a Business Owner’s Policy (BOP) to combine liability and property coverage, then add liquor liability, food spoilage, or workers’ comp depending on operations.
