Turn your FRLA membership into measurable savings—our exclusive insurance program delivers an average 35% reduction in premiums.
Exclusive Insurance Program (Why FRLA x TSA)
- Exclusive to FRLA Members: Gain access to insurance programs available only through the Florida Restaurant & Lodging Association. These tailored Property & Liability solutions are specifically designed for Florida restaurants, hotels, bars, and resorts—covering the real risks of hospitality operations.
- Average 35% Savings: On average, FRLA members save 35% compared to traditional insurance markets. By leveraging group buying power, members secure lower premiums without sacrificing coverage quality or carrier stability.
- Proactive Renewal Strategy: Florida’s volatile insurance market creates year-over-year uncertainty. Our program delivers proactive renewal pricing and advanced renewal planning, helping you avoid unexpected premium hikes and coverage gaps.
- Trade-Association Bargaining Power: As an FRLA member, you benefit from the collective bargaining strength of thousands of Florida hospitality businesses. TSA negotiates with carriers on behalf of the association to secure stable, below-market rates.
- Frictionless Experience: Forget endless paperwork and delays. With TSA’s streamlined intake process, members move from quote to bind quickly—ensuring protection when you need it most and freeing you to focus on serving your guests.
Coverages Offered
Our exclusive FRLA insurance program provides comprehensive protection across the key exposures Florida hospitality businesses face:
- Property Insurance (including hurricane, wind, and flood risk considerations)
- General Liability Insurance (slip-and-fall, guest injuries, premises liability)
- Liquor Liability Insurance (alcohol service, dram shop exposure)
- Commercial Auto Insurance (delivery, catering, and transport fleets)
- Cyber Liability Insurance (point-of-sale breaches, guest data protection, ransomware)
- Workers Compensation (employee injuries, compliance with Florida WC laws)
- Wind & Hail Insurance (catastrophic weather protection tailored to coastal properties)
- Crime Insurance (employee theft, cash handling, check fraud)
- Employment Practices Liability Insurance (wrongful termination, harassment, discrimination claims)
Designed as a complete package for Florida restaurants, hotels, resorts, bars, and allied hospitality members, this program reduces gaps and overlaps while keeping costs predictable.
How Do I Get Started?
Getting started is easy—our process is built to save you time and deliver results fast.
- Step 1 — Fill Out Our Quick Application: Complete the short application below to get started. If you have current policies or loss runs, you can upload them at this stage—if not, that’s no problem.
- Step 2 — Seamless Intake: We take the information from your application and any available policies to create a complete submission—eliminating redundant forms and unnecessary back-and-forth.
- Step 3 — Rapid, Predictable Quotes: Our underwriting partners, including national and specialty carriers with Florida expertise, evaluate your data and return tailored quotes quickly.
- Step 4 — Bind & Onboard: Once coverage is selected, we finalize binding and establish proactive renewal strategies, setting you up for long-term savings.
Any questions? Just give us a call at 800-777-1872 or email us at [email protected].
Why The Southern Agency?
- Hospitality Focus: TSA specializes in the unique risks of Florida restaurants, hotels, and lodging businesses. We understand the operational realities of hospitality and build insurance programs around those risks.
- Market Access & Capacity: With exclusive FRLA access to top-rated carriers, including Lloyd’s market capacity, we bring stability and breadth in an unpredictable Florida insurance environment.
- Member-First Service: Our dedicated FRLA program team manages claims, renewals, and risk management with the association’s long-term success in mind. You’ll have a partner who advocates for your business year after year.
- Proven Savings: TSA doesn’t just promise savings—we deliver them. FRLA members are already experiencing real reductions in premiums, making membership a financial advantage.
