About the FRLA Insurance Program
An exclusive insurance offering for Florida Restaurant & Lodging Association members — powered by The Southern Agency, backed by Lloyd's syndicates.
The FRLA Insurance Program is a member-exclusive insurance offering for Florida Restaurant & Lodging Association members. It was built to address a clear problem: most hospitality businesses access insurance through the general market, without the structural advantages that a dedicated, hospitality-specific program can provide.
The program is powered by The Southern Agency, a specialist insurance agency with deep experience in the Florida hospitality space. Through the FRLA program, The Southern Agency structures submissions through a hospitality-specific Lloyd's facility — giving eligible members access to the institutional capacity, market depth, and coverage structure that most businesses cannot access on their own.
Lloyd's is the world's oldest and most recognized specialty insurance market, with over 330 years of history and a presence in more than 200 countries. The FRLA Insurance Program accesses Lloyd's syndicates as part of its underwriting structure, providing members with the institutional backing and market credibility that defines the program's core value.
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See What the FRLA Insurance Program Could Do for Your Business
Florida restaurant and lodging operators can explore whether the FRLA Insurance Program is the right fit for their business. Start a quote or talk with the program team.