Florida restaurant insurance
Protect the place everyone gathers.
From the kitchen and dining room to deliveries, liquor service, employees, equipment, and customer data, MAD Insurance helps restaurant owners compare the coverage their operation actually needs.
Coverage built around the operation
Restaurant risks rarely fit into one policy.
A neighborhood café, food truck, full-service restaurant, bar, bakery, caterer, and late-night venue can have very different exposures. We help organize the package and identify the applications, limits, and endorsements that may be required.
General Liability
Customer injuries, premises claims, and products-completed operations exposures.
Property & Equipment
Contents, kitchen equipment, tenant improvements, signs, stock, and business income.
Liquor Liability
Coverage considerations for alcohol sales, BYOB exposure, events, and late-night service.
Workers Compensation
Protection for cooks, servers, dishwashers, managers, delivery staff, and other employees.
Spoilage & Equipment Breakdown
Refrigerated stock, mechanical failure, utility interruption, and food-contamination concerns.
Commercial Auto
Owned vehicles, catering, deliveries, hired and non-owned auto, and employee driving.
Cyber & Payment Data
Point-of-sale systems, online ordering, customer information, ransomware, and breach response.
Umbrella, EPLI & Crime
Higher liability limits plus employment-practices and employee-dishonesty options.
Details underwriters evaluate
The questions that can change eligibility and price.
The right submission gives carriers a clear picture before they quote. These are some of the restaurant details that frequently matter.
A clearer quoting process
From restaurant details to carrier-ready submission.
Tell us about the operation
Concept, sales, alcohol, cooking, property, employees, delivery, events, and prior coverage.
Share supporting documents
Current policies, loss runs, lease requirements, menus, equipment schedules, and inspection records.
Review available options
A licensed MAD Insurance agent reviews the submission and discusses available terms and next steps.
Prefer a fillable restaurant questionnaire?
Download the MAD Restaurant Insurance Questionnaire, complete it at your own pace, then email it to [email protected] or upload it with your supporting documents below.
Express document upload
Already have policies, loss runs, or lease requirements?
Skip the questionnaire and send the documents you already have. Add a short note so our team knows what you want reviewed.
Restaurant insurance questions
Common questions from Florida restaurant owners.
Does a restaurant need more than general liability?
Often, yes. Depending on the operation, a restaurant may also need commercial property, business income, workers compensation, liquor liability, equipment breakdown, spoilage, cyber, commercial auto, and umbrella coverage.
Is liquor liability included automatically?
Not necessarily. Alcohol exposure needs to be disclosed and evaluated. The appropriate form and limits depend on sales, service practices, hours, events, and other operational details.
What documents help speed up a restaurant quote?
Current policies, loss runs, lease insurance requirements, equipment and property values, payroll and sales estimates, menus, liquor details, and fire-protection service records can help.
Can MAD review my landlord requirements?
Yes. Send the insurance section of your lease or contract so a licensed agent can compare the requested limits and endorsements with the proposed or current coverage.
Local Florida support
One agency. Two offices.
Restaurant owners can work with MAD Insurance from either South Florida or the Treasure Coast.
Pembroke Pines
9050 Pines Blvd, Suite 355
Pembroke Pines, FL 33024
Stuart
2440 SE Federal Highway, Suite 705
Stuart, FL 34994
Ready when you are
Start your restaurant insurance review.
Coverage is not bound, changed, or confirmed until accepted by an insurer and confirmed in writing by a licensed agent.
