Retail & Hospitality Insurance
Coverages designed to suit your company’s needs.
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.
Key Coverages
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
Higher limits over CGL/Auto Liability policies.
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
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 Management 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
Serve Customers with Confidence
Get a customized retail & hospitality insurance quote from Chambers Insurance.
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