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The South Carolina Restaurant and Lodging Association works to assist members by developing cost saving programs of all types.  Insurance, one of the most costly expenses to a business, is one area members can work together to find solutions through lower premiums and/or enhanced coverages.





FHM Insurance Company was formed in 1954 and is one of the oldest and most experienced workers’ compensation companies in the Southeast. FHM is dedicated to delivering the highest quality of service through a philosophy of “A Policy To Do More.”  

FHM leads the industry in delivering the “lowest ultimate cost” in workers’ compensation through cutting-edge claims management, loss control, fraud and safety programs. FHM’s strong financial position has resulted in 100% payment of dividends since 1954.

Originally founded by the Florida Hotel and Lodging Association FHM Insurance offers hotels, restaurants resorts and their suppliers fully-insured comp coverage that specializes in the hospitality industry.   Licensed throughout the Southeast, members with properties or locations in nearby states can be covered as well.   24 hour claims department, fraud investigation unit, loss control services and state of the art technology via FHMconnect are key services they provide to our members. 
Call (888) 346- 3461 ext. 402 or visit













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