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, and hospitality‑driven businesses in 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.
LOCAL PRESENCE
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.
Insurance Solutions
We recognize that no two hospitality businesses face the same risks. That’s why we deliver customized insurance solutions designed around your specific operations, challenges, and goals. By taking the time to understand your business, we identify coverage options that provide meaningful protection and long‑term value. Our expertise spans a wide range of coverages, including property and casualty insurance, general liability, liquor liability, workers’ compensation, and more.
Risk Management
We take a proactive approach to risk management, helping reduce claims exposure and control insurance costs over time. Through ongoing policy reviews, we ensure your coverage keeps pace as your business evolves, grows, or changes. We also provide experienced support navigating today’s increasingly litigious environment and modern claims challenges—so you’re not just insured, but prepared and protected long‑term.
Claims Management
We are committed to managing claims from beginning to end by working closely with our clients, claims adjusting teams, and the insurance companies. From the moment a claim is reported. We work diligently to ensure all parties work together and strive to close claims with the best possible outcome.
FRLA Partnership
As a FRLA Endorsed Insurance Solution, we take the partnership seriously putting members and Florida Restaurants first and helping them run the safest and most profitable Florida Restaurants.
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
"As a multi-unit Restaurant Owner, managing my insurance line item is extremely important to my profitability. My decision logic in selecting Tony and Team as my insurance partner has been their understanding of my business needs. They have been nothing but fair and competitive with a personal touch that is second to none. I value our relationships for all my insurance needs.”
FL Restaurant Owner – 6 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.
111 Congressional Blvd Suite 100
Carmel, IN
46032-5638
1.800.846.0204
