Does your liability policy exclude assault and battery?
Many bar and restaurant liability policies exclude fights and altercations unless that coverage is added back. If you serve after dark, it's one of the first things we check.
Independent insurance agency
Insurance that treats you like a guest.
Every client, from a property portfolio to one family car, gets the same personal attention, in English or Spanish.
Coral Gables, Florida
Who we insure
Three kinds of business. That's the point.
Focusing on hospitality and real estate is how we learned where generic policies fall short, and what your business actually needs covered.
Hospitality
Hotels, restaurants, and bars
Guests, alcohol, and food service create risks a generic policy isn't built for. We build coverage around how you actually operate, from the kitchen to the rooftop bar.
- Liquor liability
- Business income
- Workers' comp
Short-term rentals
Airbnb and VRBO properties
Your rental is a hospitality business, and we insure it like one. Standard homeowners policies usually exclude rental use, so we cover properties built for frequent guest turnover.
- Guest liability
- Lost rental income
- Wind & flood
Real estate investors
Landlords and portfolios
One advisor, one program, every door. Instead of a separate policy, renewal date, and deductible for each property, we build one program that grows with your portfolio.
- Portfolio program
- Loss of rents
- Umbrella
What a specialist catches
Most coverage gaps stay hidden until the claim.
We see the same risks over and over, so we know where policies in your industry tend to fall short. Here are a few of the questions we ask on every review.
Do your liquor liability limits match your lease?
Landlords and lenders often set minimum limits for any venue that pours drinks. We check your coverage against the contracts you've actually signed.
Who's covered when staff drive their own cars for work?
Hired and non-owned auto coverage protects the business when employees use personal vehicles for deliveries, catering, or supply runs.
Would spoiled inventory be covered after an outage?
A power failure can wipe out a walk-in cooler overnight. Spoilage coverage is often an add-on, not a given.
Are your guests' belongings covered?
Innkeepers liability covers guests' property in your care, like luggage and items left with the front desk. A standard liability policy may not.
Does your policy know about every amenity?
Pools, fitness rooms, shuttles, rooftop bars, and events all change your risk. We make sure each one is disclosed and covered, so a claim doesn't turn into a dispute.
What happens to revenue if a storm closes you?
Business income coverage can replace lost revenue and ongoing expenses after a covered loss. We check the limits and waiting period against your real numbers.
Does liquor liability cover the bar and the banquets?
Hotel bars, room service, and private events all serve alcohol. Your liquor liability should reflect every place a drink gets poured.
Does your homeowners policy exclude rental use?
Most standard homeowners policies exclude or limit coverage when the home is rented to guests. The time to find out is before a guest checks in, not after a claim.
Is the booking platform's protection enough?
Host protection programs come with their own limits and exclusions. They can be a backstop, but they aren't a policy built around your property.
Are lost bookings covered after a storm?
If a covered loss makes your rental unlivable, loss-of-income coverage can replace the bookings you miss while it's repaired.
Where does the condo association's policy stop?
In a condo, the association's master policy and your unit policy split the building between them. We make sure nothing falls through the middle.
Is your portfolio on one program or ten policies?
Separate policies mean separate renewal dates, deductibles, and gaps. We build one program that grows with your portfolio.
What happens when a unit sits empty?
Many property policies limit coverage once a building has been vacant for 60 days. Renovations and long turnovers need a plan.
Does your policy cover lost rent?
Loss of rents coverage replaces rental income while a covered loss is being repaired, so the mortgage still gets paid.
Is your liability limit sized for the whole portfolio?
An umbrella policy can extend liability limits across every property at once, instead of raising limits one policy at a time.
Not sure how your policy answers these? Send us what you have. We'll walk through it with you, question by question.
Have us review my coverageFlorida storm season · June 1 to November 30
Settle your storm coverage before the cone shows up.
Know what you'd owe before a storm is on the map.
The deductible
Your storm deductible is probably a percentage
The wait
Flood is a separate policy, and it isn't instant
The freeze
Carriers stop writing when a storm approaches
How it works
Four steps. One person the whole way.
No call center and no handoffs. Here's what happens after you reach out.
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We learn how you operate
A short conversation about your locations, guests, staff, and what you serve or rent. Bring your current policy and renewal date if you have them.
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We find the gaps
We read your current coverage against how you actually run, and against what your lease, lender, or condo association requires.
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We shop several carriers
As an independent agency, we compare coverage and pricing across several carriers and explain the differences in plain language.
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We stay on it
Certificates, new locations, added properties, mid-year questions, and a real look at every renewal. Same person, every time.
Who you'll work with
You'll work with Jose, not a call center.
Jose Beaumont started Coastline after almost nine years in the insurance industry. He works directly with hospitality and real estate clients, from the first conversation through renewals, in English and Spanish.
When a lender needs a certificate by Friday, or a storm is on the way, you'll know exactly who to call: the same person who reviewed your policy.
- Founder-ledJose handles your account directly
- BilingualEnglish and Spanish, start to finish
- LocalCoral Gables office, serving all of Florida
Why Coastline
Not every agency is built for your kind of business.
Here's how working with us compares with the two usual ways Florida owners buy coverage: a typical local agency, or an online insurer.
| What you get | Coastline | A typical agency | An online insurer |
|---|---|---|---|
| Who you work with | Jose, the founder, in English or Spanish, from first call to every renewal | A service team, and your contact can change | An app, a chat window, or a call center |
| Focus | Hospitality and real estate, every day | A little of everything: auto, home, life, business | One product, quoted one address at a time |
| Storm planning | Deductibles in dollars, flood waiting periods, and storm-season timing, up front | Often a line about hurricanes | Mostly left to help articles |
| Everything you own | Your venue, your rentals, and your home and auto with one advisor | Varies | Usually one policy type |
| Carriers compared | Several, side by side | Varies; captive agents sell one company | Their own policy |
A general comparison. Every agency is different, and some do parts of this well.
After you're covered
The policy is the start. The service is the point.
Insurance earns its keep when you need something from it. Here's what that looks like with us.
Certificates without the chase
Landlord, lender, event venue, or vendor asking for proof of insurance? Request a certificate online and we'll get it sent over.
Request a certificateOne advisor for everything you own
Your restaurant, your rentals, your family's home and cars. Instead of one agent for the business and another for the house, you get one person who knows the whole picture.
Home and auto for clientsRenewals, actually reviewed
We look at your renewal before it arrives and shop it again when your business or the market has changed. No rubber stamps.
Changes as you grow
New location, another property, a new vehicle, more staff. Tell us what changed and we'll update your coverage to match.
Someone in your corner
If something happens, call us. We'll help you report the claim and understand what your policy covers.
Questions
Good questions. Straight answers.
Don't see yours? Call (786) 622-2873 or email jose@coastlineinsure.com.
We're not tied to one insurance company. We compare coverage and pricing across several carriers, so you get the option that fits, not just the one an agent happens to sell.
It's our focus and where our experience runs deepest: hotels, restaurants, bars, short-term rentals, and investment properties. We also place general commercial coverage for other Florida businesses, and home and auto for our commercial clients and their referrals.
Yes. We're based in Coral Gables and work with businesses and property owners across Florida.
Usually not. Standard homeowners policies often exclude or limit coverage for short-term rental use. We'll look at what you have and what your rental actually needs.
As early as you can. Share your renewal date and we'll reach out with enough time to compare options, instead of the week your policy expires.
Basic details about your business or property, plus your current policy and renewal date if you have them. If you're missing something, that's fine. We'll work through it together.
Sí. Jose trabaja con sus clientes en inglés y en español, desde la primera conversación hasta cada renovación. Vea el sitio completo en español.
No. The form doesn't bind, change, or cancel any coverage. We'll confirm everything with you before any policy is bound or changed.
Let's talk coverage
Know your renewal date? Start there.
Tell us about your business or property and when your current policy renews. We'll reach out with enough time to compare real options, not the week it expires.
Free quotes, no obligation · Hablamos español · Monday to Friday, 9 AM to 6 PM