Retail & Hospitality Insurance
Key Coverages:
Customer-facing businesses need reliable protection for property, people, and profits. Our Retail & Hospitality Insurance packages cover Property, General Liability, Business Interruption, Cyber, and Crime—with tailored options like Liquor Liability and Stock Spoilage.
Commercial Property –
Buildings, tenant improvements, contents, signage
General Liability (CGL) –
Slip-and-fall, property damage, products liability
Business Interruption (BI) –
Lost income, extra expense after covered losses
Tenant’s Legal Liability –
Damage to rented premises
Liquor Liability (if applicable) –
Alcohol-related incidents and legal defense
Equipment Breakdown –
Mechanical/electrical breakdown (e.g., fridges, HVAC)
Umbrella / Excess Liability –
Mechanical/electrical breakdown (e.g., fridges, HVAC)
Stock Spoilage –
Due to power outage or equipment breakdown
Crime & Employee Dishonesty –
Theft, forgery, social engineering (where available)
Cyber & Data Breach –
Ransomware, POS breaches, privacy liability, PCI fines (where eligible)
Commercial Auto (if delivery) –
Owned and non-owned vehicles
Who It's For
Retail shops
Salons, Barber Shop
Restaraunt, Cafés, Bars, Pubs
Caterer’s and Event Venues
Bakeries
Common Claims Scenarios
Customer slip-and-fall (CGL)
Kitchen fire resulting in shutdown (Property & BI)
Refrigeration failure causing stock spoilage (Equipment Breakdown & Spoilage)
POS system hacked, customer data compromised (Cyber)
Risk Mamagement Tips
Formal cleaning logs and slip-resistant mats
Grease management and regular hood/duct cleaning
Temperature alarms and maintenance contracts for refrigeration
Employee training for cash handling and phishing awareness
Incident reporting procedures and CCTV where appropriate
What We'll need for a Quote
Location details, construction and security info
Annual revenue, average transaction values, % alcohol sales (if any)
Menu/services, delivery exposure, occupancy counts, hours of operation
Prior claims (5 years) and any landlord/lease insurance requirements
.