What the FRLA Insurance Program Is
A structured, hospitality-focused insurance program built around the real risk profile of Florida restaurant and lodging operators — powered by The Southern Agency and backed by Lloyd’s of London.
Built Around a Real Market Need
Florida's hospitality industry operates in one of the most challenging insurance environments in the country. Wind and hail exposure, liquor liability complexity, employment risk, and seasonal revenue swings all create pressures that generic programs are not built to address.
Rather than offering members a generic broker referral, FRLA partnered with The Southern Agency to create a program powered by Lloyd's syndicates — organized specifically around the real risk profile of Florida hospitality operators.
Built for Florida Hospitality Operators and Allied Businesses
The program is designed around the specific coverage needs and operational realities of Florida's restaurants, lodging properties, and allied businesses that make up the FRLA membership.
Restaurants
Full-service, quick service, fast casual, and specialty dining.
Bars & Nightclubs
Alcohol-focused venues with complex liability exposures.
Hotels & Lodging
Boutique inns, extended-stay properties, independent hotels, and resorts.
Hospitality Groups
Multi-location operators managing diverse hospitality assets.
Allied Hospitality Businesses
Catering operations, event spaces, and food service businesses.
Three Institutions. One Program.
FRLA brings the membership and industry credibility. The Southern Agency brings underwriting expertise and program infrastructure. Lloyd's provides the specialty market capacity that elevates every submission.
DESIGNED EXCLUSIVELY FOR
FRLA
Florida Restaurant & Lodging Association
FRLA is the premier trade association for Florida's hospitality industry — representing restaurants, hotels, and related businesses through advocacy, education, and member resources. FRLA membership signals professional standards and industry participation, which carries real weight in the Lloyd's market: underwriters respond differently to a well-organized association submission than to an individual risk.
DEVELOPED & DELIVERED BY
The Southern Agency
Program Administrator
The Southern Agency is an independent insurance agency with deep expertise in hospitality and commercial insurance. The agency powers the FRLA Insurance Program — managing underwriting submissions to the Lloyd's market, day-to-day operations, and member service throughout the policy lifecycle. Their approach emphasizes presenting risk correctly and maintaining a disciplined renewal process.
BACKED BY
Lloyd's
Underwriting Market
Lloyd's is the world's most recognized specialist insurance market — a 330-year-old institution providing capacity for complex risks that standard carriers often cannot accommodate. The FRLA program accesses Lloyd's syndicates directly, giving members institutional credibility, coverage depth, and market stability that most individual Florida hospitality businesses cannot reach on their own.
Program Guide
The full program overview — in one place.
The FRLA Insurance Program Guide covers everything in one portable document — the coverage types, how Lloyd's underwriting works, who qualifies, and how to get started. Useful before a quote call or for sharing with ownership and management.
Flip through it online or download a PDF copy to keep on hand.
View Program Guide
- Hospitality-specific orientation — not a generic small business policy adapted for restaurants
- Lloyd’s syndicates — the world’s specialist insurance market — as the underwriting backbone
- Cleaner submission structure — organized to present your risk in the best possible light
- Modern digital intake — simplified process to get information organized efficiently
- Strong service infrastructure — dedicated program team powered by The Southern Agency
- Long-term relationship focus — structured for renewal continuity, not just initial placement
TAKE THE NEXT STEP
See What the FRLA Insurance Program Could Do for Your Business
Florida restaurant and lodging operators can explore whether the FRLA Insurance Program is the right fit for their business. Start a quote or talk with the program team.