Bar and nightclub insurance in Boca Raton, Delray Beach, Fort Lauderdale and Miami

Where we write in South Florida

Our Boca Raton office is open year round, and we place bars, nightclubs, lounges, restaurants with a bar and social clubs across the three South Florida counties:

The client map on our home page shows where accounts sit by area, never by business name.

South Florida is not one market

A live music bar on Atlantic Avenue in Delray Beach, a late-night spot on Clematis Street in West Palm Beach, a bar on Las Olas Boulevard in Fort Lauderdale and a nightclub in Miami Beach or Brickell run different hours, draw different crowds and sit under different city rules. Underwriters price the actual venue. A submission that describes the operation, the street it is on and its real closing time gets priced on what it is, not on the worst case for the region.

Season changes the room

Some nights bear no resemblance to an ordinary Saturday. Art Basel Miami Beach takes over Miami Beach in early December, Ultra Music Festival fills Bayfront Park in Miami each March, and holiday weekends bring bigger crowds and temporary staff to every downtown. If you run special events or extended hours on those nights, tell us before the season, so the policy is written for the nights you actually have.

Local rules become underwriting facts

• Closing time is set by the county or city. Florida stops alcohol sales between midnight and 7 a.m. unless a county or city ordinance provides otherwise (Fla. Stat. 562.14), so a bar in one city can run under different hours from one a few miles away.
• A new license needs local zoning sign-off. The state's application requires zoning approval from the city or county where the business sits (DBPR ABT-6001), and some cities add their own steps; Miami Beach, for example, requires a Certificate of Use and Business Tax Receipt before the state application.

Carriers ask about both. Your hours and your license status are part of what they are pricing.

Related coverage

• Entertainment venues in Florida

  Live music, DJs, dance floors and late hours, and what each one changes.

• College bars in Florida

  The under-21 question, the ID-check defense, and game-day crowds.

• Buying or opening a bar in Florida

  The four policies, what the lease and license need, and when to bind.

• Liquor liability in Florida

  What dram shop means, how the two limits work, and the exclusions that matter.

• Assault and battery

  Excluded, sublimited, or covered, and how to tell which.

• Who we insure

  The venues we write, the states we cover, where our offices are.