Specialised Insurance Product
Retail & Hospitality Insurance
Who It’s For: Businesses
Overview: Retail & Hospitality Insurance is a specialised commercial insurance solution designed to protect businesses that operate in high-traffic customer-facing environments. These sectors face unique risks, ranging from theft and equipment failures to liability claims and revenue losses from business interruptions.
This cover goes beyond the scope of a standard commercial policy by addressing specific industry challenges, including guest safety, liquor liability, perishable spoilage, vandalism, staff-related risks, and legal claims from customers or employees.
Whether you run a luxury boutique in a shopping centre, manage a chain of restaurants, own a bed & breakfast, or operate a franchise outlet, this policy provides comprehensive, flexible protection that keeps your doors open and your reputation safeguarded.
• Businesses that rely on high foot traffic or online orders
• Businesses that store valuable or perishable stock
• Businesses or entities that operate with commercial kitchens or food
processing equipment
• Businesses that employ large numbers of staff or temporary workers
• Businesses that serve alcohol or have regulatory licenses
• Retail (Clothing, Furniture, Electronics, Grocery, Beauty)
• Restaurants, Cafés, Fast Food & Takeaways
• Hotels, Guesthouses, Lodges, Bed & Breakfasts
• Shopping centres, Malls & Convenience Stores
• Licensed Hospitality (Bars, Wineries, Lounges)
• Franchises and Multi-Location Chains
• Boutique, Wellness centres and small sports and Recreation facilities other than stadiums
Business Interruption Cover: Protects against loss of income following fire, flood, or equipment failure.
Public & Guest Liability: Covers legal costs if a customer is injured or falls ill on your premises.
Stock & Content Insurance: Includes protection for shelves, décor, kitchen equipment, POS systems, and retail goods, perishables due to breakdown of fridges, power cuts, or supply chain delays.
Employee Liability & Injuries: Protection for claims made by staff for on-site injuries (burns, cuts, falls, etc.).
Cash & Theft Protection: Covers business cash on premises or in transit, as well as losses due to theft or robbery.
Machinery & Equipment Breakdown: Insures critical equipment such as ovens, fryers, fridges, and dishwashers.
Fidelity Guarantee (Optional): Protects against theft or fraud committed by employees.
Goods in Transit: Covers stock or supplies transported between outlets, warehouses, or suppliers.
Glass Cover: Protection against accidental breakage of display windows, mirrors, or counters.
• Cyber Protection for Online Retailers
• Extended Liability for Event Hosting
• Tenant Risk Cover for Leased Premises
• Cover for Temporary Pop-Up Shops or Mobile Units