Liquor liability is not GL
If you pour, Florida cares. Host liquor vs full liquor depends on whether alcohol is your business. A Wynwood bar and a Palmetto café with a beer-and-wine license are different. The lease and the municipality will ask.
Property, spoilage, equipment breakdown
Walk-in coolers die in August. Spoilage and equipment breakdown are endorsements. Wind deductibles on the building or the tenant improvements still apply. Flood is separate if the plaza ponds.
People: employees, delivery, patrons
Workers comp when you hit Florida’s threshold. Hired/non-owned auto if staff use personal cars for drops. GL for patrons. Assault-and-battery and weapons exclusions show up on nightlife files — read them.
How to start
Receipts, alcohol percentage, hours, delivery, and the lease insurance exhibit. Start a business quote. An advisor will match the packet.
Questions we get
Next
If this sounds like your house, get a number.
Same desk that wrote the guide. Auto and home quote online. Other lines, an advisor.
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