Retail & Restaurants Insurance in Orange & Lake County, FL
From coffee shops and cafes to boutiques and specialty grocers, protect your business with coverage tailored to Central Florida’s retail and dining scene.
Get Retail & Restaurant QuoteYour Local Partner for Shops, Cafés & Eateries
We serve brick‑and‑mortar retailers and restaurants throughout Winter Garden, Windermere, Clermont, Minneola, Dr. Phillips and Orlando.
At Premier Group Insurance of Central Florida, we help you safeguard inventory, equipment, and day‑to‑day operations. As an independent agency, we compare options from multiple A‑rated carriers to find coverage that aligns with your lease requirements and budget—so you can focus on serving customers and growing your brand.
Who We Serve
If you sell, serve, or stock it—we’ve likely insured it.
Restaurants & Cafés
Quick‑service, fast casual, and full‑service dining—including bakeries and coffee shops.
Boutiques & Specialty Retail
Apparel, gifts, home goods, jewelers, hobby shops, and specialty grocers.
Salons, Spas & Personal Services
Hair and nail salons, barbers, day spas, and wellness studios with product sales.
Convenience Stores & Delis
Neighborhood markets, delis, and specialty food counters.
Food Trucks & Caterers
Mobile food operations and catering businesses covering events and regular routes.
Franchises & Multi‑Location Owners
Programs for multi‑unit retail and restaurant groups with uniform coverage standards.
Recommended Coverages
Lease requirements, customer traffic, point‑of‑sale systems, delivery exposures—retailers and restaurants face unique risks. These protections form a strong core.
Business Owners Policy (BOP)
Combines property and general liability for cost‑efficient protection tailored to small and mid‑size businesses.
- Building, improvements & contents
- Business income / interruption
- Equipment breakdown & food spoilage
General Liability
Helps cover customer slip‑and‑falls, product liability, and landlord‑required liability limits.
- Premises & operations liability
- Products & completed operations
- Advertising & personal injury
Workers’ Comp
Florida‑required benefits for workplace injuries and illnesses—vital for kitchens and busy sales floors.
- Medical & wage benefits
- Return‑to‑work support
- Meets Florida statutes
Cyber Liability & Data Breach
Protects POS systems and customer data from hacks, ransomware, and payment card exposures.
- Data breach response & notification
- Ransomware & cyber extortion
- Income loss from system outage
Commercial Auto & HNOA
Coverage for owned delivery vehicles and for employees using personal cars on company errands.
- Owned vehicles & small fleets
- Hired & non‑owned auto (HNOA)
- Theft, vandalism & weather loss
Liquor Liability (when applicable)
For restaurants and venues serving alcohol; helps address claims stemming from alcohol‑related incidents.
- Meets lease or event requirements
- Optional assault & battery coverage
- Pair with BOP & GL
Local Expertise Across Orange & Lake County
We know the local landlord requirements, common COI requests, and risk patterns for retailers and restaurants in Central Florida.
Winter Garden
Historic Plant Street storefronts often require specific COI wording. We tailor BOP and GL to lease terms.
- Historic downtown foot traffic
- Business interruption add‑ons
- Landlord‑named insureds
Windermere
High‑end dining and boutique retail benefit from cyber and property enhancements.
- Luxury inventory protection
- Extended business income
- POS & data security
Clermont
New plazas and hillside sites—pair BOP with HNOA for delivery and errands.
- Growing retail corridors
- Multi‑tenant lease compliance
- Delivery & catering exposures
Minneola
Family‑run shops and eateries—focus on GL and Workers’ Comp.
- Slip‑and‑fall prevention
- Employee safety programs
- Affordable package options
Dr. Phillips
Restaurant Row and premium retail—consider higher limits, cyber, and spoilage protection.
- High‑value build‑outs
- Liquor liability readiness
- Equipment breakdown
Orlando
Downtown storefronts and food halls—COIs for landlords and event hosts with rapid turnaround.
- Certificate issuance fast
- Tenant improvements coverage
- Special events compliance
Why Choose Premier Group Insurance?
Local, independent, and responsive—built for busy owners and managers.
Local Knowledge
We understand plaza leases, COI requirements, and seasonal risks unique to Orange & Lake County retailers and restaurants.
Independent & Unbiased
We shop multiple A‑rated carriers to balance coverage, deductibles, and premiums to your business model.
Dedicated Service
One point of contact for quotes, COIs, renewals, and claims so you can focus on customers, not paperwork.
Ready to Protect Your Shop or Restaurant?
Partner with Premier Group Insurance of Central Florida for tailored coverage and expert guidance.
Contact Us Get a Quote