Reducing Workers’ Comp by 30% Reducing Liability Premiums While Not Sacrificing Coverages
A free Alcohol Awareness Training that helps restaurant and bar owners lower premiums, prevent costly incidents, and protect their teams in under 30 minutes.
Free quote. No obligation. A licensed agent reviews every request.
We don’t just offer training: we offer a system proven to reduce workplace incidents, cut insurance costs, and keep your team compliant.
Identify & Prevent Risks
Learn how to recognize early warning signs before they turn into costly incidents.
Train & Certify Your Team
Quick online modules, completed in under an hour, give your staff the knowledge and certification insurers recognize.
Reduce Costs, Gain Credibility
Certified compliance helps you qualify for 25-30% savings on workers’ comp premiums.
Stay Protected, Year After Year
Continuous updates ensure your business stays ahead of insurance requirements and safety standards.
Fewer incidents, lower legal exposure
Credibility with top underwriters
Up to 30% off your premiums
Certified, 100% online, on your schedule
Built for Every Kind of Bar and Restaurant
From the corner café to the packed nightclub, we know which carriers actually want your kind of place. Pick yours and we’ll start there.
Restaurants
Full-service, fast-casual or fine dining. Kitchen fires, slip-and-falls and spoiled inventory all sit under one policy.
Get a quote for restaurants
Bars
Cocktail bars, sports bars and proud dives. Real liquor liability limits at a fair price, with no padding on top.
Get a quote for bars
Taverns
Neighborhood pubs in older buildings with tricky leases. We know which underwriters will say yes.
Get a quote for taverns
Lounges
Hookah, cigar and wine lounges. The risks most agents turn away are the ones we know how to place.
Get a quote for lounges
Nightclubs
Late hours, DJs, bottle service and door security. We build the higher limits a busy floor needs.
Get a quote for nightclubs
Cafes
Coffee shops, espresso bars and brunch spots. Beer and wine on the menu? We cover that too.
Get a quote for cafesThe Risks Others Won’t Write
Hookah, 2 AM last call, a prior claim on your record. Plenty of agents hear that and walk away. We hear it and start calling the carriers built for exactly this kind of venue.
We write it
Hookah & Cigar Lounges
Most carriers decline on sight. We have specialty markets that actually want this kind of venue.
We write it
Late-Night & 2 AM+ Venues
Late hours get priced for what they are, not punished. We find carriers who understand the schedule.
We write it
High Alcohol Sales
When the bar out-earns the kitchen, you need liquor limits that fit the real numbers.
We write it
Sports Bars
Big game, packed house, loud room. We place coverage built for your busiest nights.
We write it
Live Music & DJs
Shows, dance floors, and higher liquor limits so one big night doesn’t put you at risk.
We write it
Rooftops & Patios
Open air brings weather, crowds, and neighbors. We cover the whole footprint, not just indoors.
We write it
Brand-New Openings
No history yet? No problem. We help first-year owners get a real policy before the doors open.
We write it
Prior Claims or Declines
A past claim, a non-renewal, or a refusal does not close the door. We know who still says yes.
Running something out of the ordinary?Bring it to us.
Tell us your situationWhy You Pay Less With Us
Most bars and restaurants overpay because the wrong carrier is pricing the wrong risk. Three habits at our agency fix that, and each one shows up on your bill.
Specialty Carriers
A generalist agent sends you to a standard carrier, sees the word “alcohol,” and loads the price. We place restaurants and bars with carriers that actually want them.
- Dozens of A-rated specialty carriers
- Markets for the hard-to-place risks
- Direct line to underwriters
Bundle Your Policies
Liquor, general liability, property and workers’ comp priced together cost less than the same four bought one by one. Carriers reward the whole account.
- Multi-policy discounts
- One renewal date, one broker, one COI
- No gaps between policies
Save Again Every Year
Sixty days before your renewal, we shop the whole program again. Your rate should never ride on loyalty, only on the best number in the market.
- Re-shopped before every renewal
- Side-by-side numbers you can read
- You switch only if the savings are real
25-30%
Typical premium
savings
Dozens
Of A-rated
carriers
1
Renewal date,
one broker
10+
Years in Florida
hospitality
Savings vary by venue, claims history and carrier appetite. 25-30% reflects typical results, not a guarantee.
Every Policy Your Business Needs
These eight are the backbone. Your menu, your hours and your lease decide what else goes in, and it all lives under one roof with a single renewal.
Liquor Liability
Real limits for real bars. Your biggest exposure gets priced by carriers who want your business, not the ones that flinch at nightlife.
General Liability
A guest slips on a wet floor or gets hurt on your patio. This is the policy that answers, and it bundles cleanly with your liquor coverage.
Property
Your building, build-out and equipment, covered against kitchen fires, water damage and theft, so one bad night does not close your doors.
Workers’ Compensation
Required for your cooks, bartenders, security and managers. Pair it with our Alcohol Awareness Training and cut premiums by 25-30%.
Assault & Battery
A must for nightclubs and late hours. If a fight breaks out on your floor, you are covered. Written with your liquor policy or on its own.
Umbrella
Extra limits that sit on top of your other policies when a claim runs big. Many landlords ask to see it before they sign your lease.
Cyber
Your POS system, card data and employee records are targets. Covers ransomware and breaches, and meets what your card processor asks for.
Equipment Breakdown
The walk-in dies on a Friday, or the fryer and HVAC give out. We cover the repair and the food that spoiled while you waited.
From Risk To Results: What Our Clients Are Saying
Hear how business owners across Florida are reducing incidents, cutting costs, and gaining insurer recognition through our training.
30%
Avg. Premium
Savings
<30
Minutes to
Certify
100%
Online &
Certified
Save time, stress, and money for good.
10+
Years Experience
Your Trusted Insurance & Risk Advisor
For over a decade, Bryan Grossi has helped Florida business owners protect what matters most: their people, profits, and peace of mind. Through his leadership at Fortified Insurance Group, Bryan has built a reputation for simplifying complex insurance decisions.
“Our mission is simple: make risk management easy, effective, and accessible for every business owner.”
Still Have Questions? We’ve Got Answers.
We understand that choosing the right insurance solution takes trust and clarity. Here are the most common questions business owners ask before getting started.
How long does the Alcohol Awareness Training take? +
Do I need to switch my current insurance provider? +
Is the training recognized by insurance companies? +
How much can I really save? +
Is there any cost or obligation for the quote? +
Are you an insurance company or an independent agency? +
I’ve been declined or non-renewed before. Can you still help? +
Do I need liquor liability if I already have general liability? +
How do you get paid? +
Let’s map out a fast path to savings.