Florida Restaurant Insurance: 5 Policies You Legally Need (2026)

Florida restaurant owner reviewing 2026 insurance requirements for workers comp and liquor liability.

Short Answer: Florida law requires workers’ comp once you have 4 or more employees (including part-timers) . If you serve alcohol, you need liquor liability — general liability excludes alcohol claims entirely . General liability, property, and commercial auto are not always mandated by statute, but landlords, lenders, and practical risk make them essential . … Read more