Florida Hospitality Risk Advisors
WHO WE ARE
We specialize in insurance solutions built specifically for the hospitality industry. With decades of experience protecting restaurants, bars, hotels, motels, resorts, and hospitality-driven businesses throughout Florida, we help owners navigate today’s complex risk environment with tailored coverage, multiple carrier options, and industry‑specific insight. Our independent approach goes beyond placing policies, combining insurance, risk management, and ongoing advocacy to help hospitality businesses operate more safely, control long‑term costs, and stay profitable.
Our team of insurance professionals brings over 50 years of combined industry experience. As a Florida-based team, we understand the unique challenges and requirements of local restaurant owners, from weather risks to regulatory nuances, allowing us to provide coverage that’s both practical and purpose-built for your business.
WHAT WE OFFER
Insurance Solutions
We recognize that no two hospitality businesses face the same risks. That's why we deliver customized insurance solutions designed around your operations, challenges, and goals. Our expertise includes restaurants, bars, hotels, motels, lodging properties, and other hospitality businesses. We provide tailored coverage options including property and casualty, general liability, liquor liability, workers' compensation, and more to help protect your business and support long-term success.
Risk Management
We take a proactive approach to risk management, helping reduce claims exposure and control insurance costs over time. Through regular policy reviews, we ensure your coverage keeps pace as your business evolves, grows, or changes. Our team also provides guidance for navigating today's increasingly complex claims environment, helping protect your operations while supporting long-term profitability.
Claims Management
We are committed to managing claims from beginning to end by working closely with our clients, claims professionals, and insurance carriers. From the moment a claim is reported, we coordinate communication, advocate on your behalf, and help move the process forward efficiently. Our goal is to achieve the best possible outcome while minimizing disruption to your business.
FRLA Partnership
As an FRLA Endorsed Insurance Solution, we take our partnership seriously by putting Florida hospitality businesses first. We work closely with members to provide industry-specific insurance expertise, risk management resources, and responsive service. Our focus is helping restaurant and hospitality operators build safer, more resilient, and more profitable businesses throughout Florida.
CLIENT'S TALK
"FLHRA exemplifies the true meaning of customer service. Any issue or question is handled with courtesy, efficiency, and prompt follow-up. Their online tools and training materials/classes are added bonuses. This partnership has far exceeded our expectations.”
FL Restaurant Owner
"In nearly 20 years as a client, they have always shown themselves to be innovative and customer-focused, always trying to find or create the best package of services for us and our ever-changing insurance needs. They have always kept their pencil extremely sharp on quotes and provide the most outstanding personalized customer service at what is almost always the best cost!”
FL Restaurant Owner – 40 Locations
WE'RE HERE FOR YOU
We’d love to hear from you. If you need assistance, have questions about our group of Shepherd partner companies or are simply looking for more information, we’re eager to help.
GET IN TOUCH
Please fill out the form below and one of our team members will be in touch to provide the assistance you need.
FIND US
Headquartered in Carmel, Indiana, with offices throughout the country, we are here to assist you with all of your insurance, benefits and financial needs.
8725 Pendery Pl Ste 101
University Park, FL
34201-2156
941.924.3808
