Insurance Built for Florida Hospitality
An exclusive insurance program for FRLA members — backed by Lloyd’s syndicates and powered by The Southern Agency. Not yet a member? Apply first and the team will help you join as part of the process.
A Structured Insurance Program for Florida Hospitality
The FRLA Insurance Program is a hospitality-focused insurance structure available to Florida Restaurant and Lodging Association members — built on the idea that hospitality businesses deserve a process that actually understands their industry.
Better submissions, Lloyd’s specialty market access, and a disciplined renewal process produce more competitive outcomes. The program is built to give members a structural advantage — not just a quote.
Why Members Save Up to 35% on Premiums
Up to 35% Premium Savings
Eligible FRLA members save up to 35% on premiums — a structural result of better submissions, Lloyd's specialty market access, and a disciplined renewal process. Results vary by account, but the program is built to give every member a genuine advantage.
Membership Creates Leverage
FRLA membership signals industry participation and professional standards — which carries real weight in the Lloyd's market. Association submissions are received differently than individual accounts, giving members a structural underwriting advantage.
Lloyd's Syndicates
The program accesses Lloyd's syndicates — the world's specialist insurance market — giving FRLA members the underwriting depth, coverage capacity, and institutional credibility that most individual buyers cannot reach on their own.
Broad Coverage Approach
The program is designed to address the full range of hospitality risk — from property and liability to liquor exposure, cyber risk, wind, and employment-related claims — within a single organized program structure.
More Predictable Process
Rather than a disorganized quoting cycle, the program creates a cleaner, more structured intake and renewal experience — powered by The Southern Agency — so members spend less time managing insurance.
FLORIDA HOSPITALITY
Built for the Industry That Makes Florida Work
Restaurants, lodging properties, bars, and hospitality groups across Florida — each with unique exposures that demand a specialist approach.
See CoverageCoverage Designed Around Real Hospitality Risk
A focused program for restaurants, lodging, and hospitality-related operations — backed by Lloyd's specialty markets.
Coverage structure, eligibility, and pricing vary by account profile, underwriting review, and loss history. Not all coverages may be available for all accounts.
The FRLA Insurance Program accesses Lloyd's syndicates — the world's most recognized specialist insurance market — as part of its underwriting structure.
That access gives FRLA members the institutional credibility, coverage depth, and market stability that most individual Florida hospitality businesses cannot access on their own. It is one of the most significant structural advantages of the program.
330+ Years of Global Precedent
Lloyd's has been the world's specialist insurance and reinsurance market since 1688 — setting the standard for complex risk globally.
Specialist Underwriting
Lloyd's syndicates are built around specialty categories — including hospitality, property, and liability risks specific to the industries they serve.
Market Depth & Capacity
Access to Lloyd's syndicates gives FRLA members the market depth to place complex risks and achieve competitive pricing unavailable through standard market channels.
Lloyd's is an insurance and reinsurance market located in London. The Lloyd's market is made up of syndicates, each of which is a separate underwriting operation. Access to Lloyd's market facilities does not guarantee coverage or specific terms. All coverage is subject to underwriting review and approval.
Program Guide
The full program overview — in one place.
The FRLA Insurance Program Guide covers everything in one portable document — the coverage types, how Lloyd's underwriting works, who qualifies, and how to get started. Useful before a quote call or for sharing with ownership and management.
Flip through it online or download a PDF copy to keep on hand.
View Program Guide
TAKE THE NEXT STEP
See What the FRLA Insurance Program Could Do for Your Business
Florida restaurant and lodging operators can explore whether this program is the right fit. Start a quote or reach out to the team.