SPR Insurance Group · Aventura, FL
Commercial Insurance Built for South Florida Businesses
Specialized expertise in restaurants and hospitality. Bilingual service in English and Spanish. Backed by SPR Insurance Group.
Sprezzatura — the capacity to make the difficult seem easy
Commercial Coverage Across Every South Florida Industry
Comprehensive policies for the businesses that drive Miami-Dade and Broward forward.
Featured Practice
South Florida Fine Dining: We Know This Vertical Cold
From Brickell to Las Olas, Eric has built deep expertise in commercial insurance for South Florida's restaurant and hospitality operators. Whether you run a single Michelin-starred concept or a 10-location hospitality group, the coverage you need is rarely what a generalist agent delivers.
- Named-storm Business Interruption (hurricane reality post-Ian)
- Liquor Liability (matching landlord and contract requirements)
- Wine Inventory Scheduling (most policies underinsure this)
- EPLI for high-turnover hospitality teams
- Cyber Liability for POS & reservation systems
- Commercial Property tuned for valet and outdoor-seating exposures
- Hospitality-group umbrella scheduling across entities
- Liquor License Bond support
Full Spectrum of Commercial Coverage
From single-location operators to multi-entity hospitality groups, SPR places the lines that matter.
General Liability
Third-party bodily injury and property damage.
Property
Building, contents, business income.
Workers' Compensation
Required FL coverage for employees.
Commercial Auto
Owned, hired, and non-owned vehicles.
Commercial Umbrella
Excess limits over primary policies.
Liquor Liability
Dram shop and assault & battery.
Equipment Breakdown
HVAC, refrigeration, electrical systems.
Cyber Liability
Breach response, POS, reservations.
Cargo
In-transit goods and shipments.
Directors & Officers
Management liability for the C-suite.
Professional Liability (E&O)
Errors, omissions, negligent advice.
Employee Benefits
Health, dental, ancillary lines.
Inland Marine
Tools, equipment, valuables off-premises.
Environmental Liability
Pollution and contamination exposure.
Trade Credit
Protection against AR default.
Fiduciary
Plan-sponsor and ERISA liability.
Your Business Has SPR. Your Home Deserves the Same.
Through SPR's Elite Private Client division, the same advisor who handles your restaurant or business policy can take care of your personal portfolio — homes, watercraft, art and jewelry collections, umbrella, and more. One advisor. One firm. One relationship.
High-Value Homeowners
Collections (Art, Jewelry, Wine)
Watercraft, Auto, Aviation
Eric Gonzalez · SPR Insurance Group · Aventura, FL
Your Advisor
Eric Gonzalez
Commercial Insurance Producer | SPR Insurance Group
Eric specializes in commercial insurance for South Florida businesses, with deep focus on restaurants and hospitality groups across Miami-Dade and Broward. Bilingual in English and Spanish, he works closely with owners, GMs, and CFOs to design coverage that actually matches how the business operates — not generic, off-the-shelf policies that leave the real exposures uncovered.
Eric is backed by the full intermediary platform of SPR Insurance Group (Sprezzatura), giving him access to a broad set of carrier partners and the technical underwriting depth needed for complex placements — from single-location restaurants to multi-entity hospitality groups.
Florida Licensed 2-20 · Aventura, FL · Bilingual: English / Español
SPR Insurance Group
2026 Edition
South Florida
Fine Dining
Insurance Benchmark
Report
Published by SPR Insurance Group
Sprezzatura
Free Guide
What Your Peers Are Carrying — and Where the Gaps Are
A clear-eyed look at what South Florida's best restaurants pay, what they cover, and where the typical gaps cost owners six figures when a claim hits.
- Premium benchmarks by concept type and revenue band
- The 7 coverages where most South FL restaurants are underinsured
- Hurricane named-storm sublimits: what's actually standard now
- Liquor liability requirements landlords are enforcing
- Wine inventory scheduling — getting it right
- A one-page self-audit checklist
Why Sprezzatura?
Sprezzatura — the capacity to make the difficult seem easy. That's the operating principle.
Intermediary Model
We're not captive to a single carrier. SPR works with 20+ underwriters to find the right placement, not the only one available.
Aventura + New York
Two offices, one firm. Local relationships with the underwriting depth of a national market.
Real Service
Certificates handled. Claims advocated. Renewals reviewed. Not just sold once, then ignored.
Ready to See What You Could Save?
A 15-minute coverage review tells you everything you need to know.
Or call Eric directly: 786.302.7338