Restaurant & Food Service Insurance

From full-service restaurants to food trucks and catering — we protect the people and places that feed Florida.

Industry Risks

The risks restaurants face every day

Food service is one of the highest-risk industries for insurance claims. Here's what catches restaurant owners off guard most often.

Risk 01

Kitchen fires

Restaurants account for the largest share of commercial fire claims. A single grease fire can shut down your entire operation — without the right property and business interruption coverage, it can close you permanently.

Risk 02

Liquor liability lawsuits

Florida's dram shop laws allow injured third parties to sue the establishment that served the at-fault driver. A single alcohol-related incident without liquor liability coverage can result in a judgment that wipes out your business.

Risk 03

Foodborne illness claims

A single outbreak can trigger multiple claims, health department shutdowns, and reputational damage simultaneously. Food contamination coverage and strong GL coverage are your first line of defense.

What We Cover

Covers slip-and-fall injuries, property damage to customers, and third-party claims on your premises.

Covers your building, kitchen equipment, furniture, and inventory against fire, theft, storms, and other covered losses.

Required if you serve alcohol. Covers claims arising from injuries caused by intoxicated customers you served.

Covers your staff for on-the-job injuries — burns, cuts, slips. Required in Florida once you have employees.

Covers spoiled inventory and business interruption caused by a contamination event or equipment failure.

Replaces lost income if your restaurant is forced to close temporarily due to a covered event like fire or storm damage.

Why Industries Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

What insurance does a restaurant need in Florida?

At minimum, most restaurants need General Liability, Commercial Property, and Workers' Compensation. If you serve alcohol, Liquor Liability is essential. A Business Owner's Policy (BOP) bundles the core coverages into one cost-effective policy.

Is liquor liability required if I serve alcohol?

Florida doesn't mandate it by law, but standard GL policies specifically exclude alcohol-related claims. Under Florida's dram shop laws, you can be held liable if a customer you served causes injury to others. Liquor liability is essential for any business that serves alcohol.

Does my policy cover a kitchen fire?

Yes, if you have Commercial Property coverage. It covers fire damage to your building, equipment, and contents. Business Interruption coverage replaces lost income while you're closed for repairs — critical for restaurants that can't operate without their kitchen.

Do food trucks need the same insurance as restaurants?

Food trucks have unique needs — you'll need commercial auto in addition to GL and property coverage. Many events and venues also require proof of insurance before you can operate. We build food truck policies that cover all of it.

What does food contamination coverage include?

It covers the cost of replacing spoiled inventory, as well as lost income and cleanup costs if your business is shut down due to a contamination event. In Florida's heat, refrigeration failures and foodborne illness risks are very real — this coverage is worth having.