Insurance Built for Florida Hospitality
An exclusive insurance program for FRLA members — backed by dedicated insurance markets and world-class carriers, 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, dedicated 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 on Their Premiums
Real Premium Savings
Eligible FRLA members save on their premiums — a structural result of better submissions, dedicated 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 dedicated insurance markets. Association submissions are received differently than individual accounts, giving members a structural underwriting advantage.
Dedicated Insurance Markets
The program is backed by dedicated insurance markets and world-class insurance carriers — 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 dedicated insurance markets and world-class carriers.
Coverage structure, eligibility, and pricing vary by account profile, underwriting review, and loss history. Not all coverages may be available for all accounts.
Dedicated Insurance Markets & World-Class Carriers
The FRLA Insurance Program is backed by dedicated insurance markets and world-class insurance carriers — a structure designed specifically for the needs of Florida hospitality operators.
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.
A Dedicated Property Program
Property coverage is placed through a dedicated insurance program built and reserved exclusively for FRLA members — structured around the real risk profile of Florida hospitality.
World-Class Carriers
Casualty and liability coverage is placed with world-class insurance carriers, chosen for their appetite and expertise in hospitality, property, and liability risk.
Market Depth & Capacity
Access to dedicated insurance markets gives FRLA members the depth to place complex risks and achieve competitive pricing unavailable through standard market channels.
Coverage is placed through dedicated insurance markets and world-class insurance carriers. Property coverage is offered through a dedicated program available only to FRLA members. Access to these markets 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 the 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.