What is retail and hospitality insurance?
Retail and hospitality insurance is cover built for shops, restaurants, cafes, pubs and venues. It brings together the potential risks these businesses face every day, from the premises and stock to customers, staff and online systems. Whether you run a single site or several, we can tailor cover to suit the needs of your business.
What does retail and hospitality insurance cover?
- Buildings, stock and contents
- Business interruption
- Public and product liability
- Employers’ liability
- Money and glass cover
- Cyber and data risks
Who needs retail and hospitality insurance?
This cover is built for shops, restaurants, cafes, pub, takeaways and hospitality venues of all sizes, whether you have a single site or a chain. If you serve customers on your premises, hold stock or employ staff, retail and hospitality insurance will cover these risks together in one place.
Do I need public liability insurance for a shop or restaurant?
Public liability insurance is there to protect you if a customer is injured or their property is damaged on your premises. It is not a legal requirement, but for this industry which serves the public, it is one of the most important covers to have. If your shop or restaurant employs staff, then employers’ liability insurance is a legal requirement if you employ staff.
Speak to our team to get a retail and hospitality insurance quote for your business.