Insurance for Hospitality Groups in Florida
Hotels. Restaurants. Event venues. Florida hospitality groups running mixed portfolios need a program that consolidates coverage across every asset — not a different policy for each one.
Hospitality Groups in Florida
Hospitality groups — companies that own or operate a mix of hotels, restaurants, event venues, bars, and related assets under common ownership — face an insurance challenge that is fundamentally different from single-asset operators. Their portfolio combines property types, liability profiles, and workforce structures that standard policies treat as separate categories. A hospitality group needs a program that sees the enterprise as a whole.
Florida's hospitality group landscape is diverse: the family-owned company that started with one restaurant in the 1980s and now operates three restaurants, a boutique hotel, and an event space; the investment group that acquired a waterfront hotel and added a marina bar and pool-deck restaurant; the regional operator running multiple resort properties with on-site food and beverage across the Gulf Coast. What they share is a portfolio that doesn't fit cleanly into any single insurance category — and an exposure profile that is the sum of all their assets.
FRLA MEMBER ADVANTAGE
Exclusive Access Through FRLA Membership
The FRLA Insurance Program is available exclusively to members of the Florida Restaurant and Lodging Association. FRLA membership unlocks access to this program — along with advocacy, education, and resources built for Florida's hospitality industry.
The program is administered by The Southern Agency and backed by Lloyd's syndicates — providing the coverage breadth and financial depth that hospitality groups operators need.
Not yet an FRLA member?
FRLA membership is required to participate — but you can apply first. Indicate your status at intake and the team will help you through the membership process if you decide to move forward.
BACKED BY
Lloyd's
The world's leading insurance marketplace
Coverage placed through Lloyd's syndicates — providing the financial depth and market access that Florida's hospitality exposures require.
What Hospitality Group Operators Need to Think About
A hospitality group built to last deserves a program built to match it.
Consolidated Property Schedules
A hospitality group with multiple properties — each with different replacement values, different construction types, and different wind and flood exposures — benefits significantly from consolidated property coverage structured as a schedule. This approach simplifies renewal, ensures consistent valuation methodology across the portfolio, and typically produces better pricing than managing separate property policies for each asset.
Cross-Entity Liability & Umbrella Structure
A liability event at one property — a guest injury at the hotel, a dram shop claim at the restaurant, a vendor injury at the event venue — can create claims that implicate multiple entities in the hospitality group's corporate structure. An umbrella program structured to sit over all underlying policies, and covering all operating entities, is essential for groups whose assets are held across multiple LLCs or operating companies.
Management Liability
Hospitality groups with investors, lenders, or board-level governance carry management liability exposure that single-asset operators typically don't. Directors and Officers liability protects the individuals managing the group from claims related to business decisions — which can arise from investors, lenders, or in certain circumstances, employees. As hospitality groups grow, this coverage becomes increasingly important.
Liquor Liability Across the Portfolio
A hospitality group with a hotel bar, a restaurant with a full liquor program, and an event venue serving alcohol at private events is carrying liquor liability across three different operational contexts. Each context carries different dram shop exposure under Florida law, and the aggregate exposure across the portfolio is substantially larger than any single location. Coordinated liquor liability coverage — with limits that reflect the full portfolio — is essential.
Workers Compensation Across a Dispersed Workforce
Hospitality groups often employ hundreds of workers across multiple locations, job classifications, and management structures. Workers Compensation experience modification rates reflect the group's claim history across all entities — and a concentrated claim period at one property can affect the premium for the entire group. Experience rating, loss prevention programs, and return-to-work coordination deserve attention at the enterprise level.
Core Coverage Areas for Florida Hospitality
The program is built around the exposures Florida restaurant and lodging operators actually face — including the specific risks that come with operating as hospitality groups.
Coverage structure, eligibility, and pricing vary by account profile, underwriting review, and loss history. Not all coverages may be available for all accounts.
Other Operators Who Use This Program
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Ready to Explore Coverage for Your Hospitality Groups Business?
FRLA members operating as hospitality groups have access to a specialized insurance program built for Florida hospitality. Start a quote or talk with the program team to explore whether it's the right fit.