Retail & Hospitality Insurance Solutions

Insurance for Retail & Hospitality Protect People, Places & Experiences

Whether you’re serving coffee or hosting guests, we help you stay open, compliant, and covered when thinggo wrong.

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Overview

For Customer-Facing Businesses, Risk Is Always on Display

From slips and spills to product claims and reservation disputes, your business faces daily exposure to both physical and reputational loss.

At GlobalPayGuard, we offer tailored insurance for brick-and-mortar stores, hotels, restaurants, salons, venues, and service providers — all built to protect your assets, employees, and guest experience.

Because in your world, service is everything. Ours is protecting it.

Retail & Hospitality Risks We Cover

What Can Go Wrong? We’ve Seen It All.

Customer Injuries on Site

Slips, falls, burns, and other public injuries can lead to costly claims.

Property Damage or Theft

Fire, vandalism, and break-ins can force closures and cause inventory loss.

Employee Injuries

Restaurants, salons, stores — all have on-the-job risk that must be covered.

Refund & Cancellation Disputes

Refunds, missed bookings, or botched experiences often lead to customer claims.

Food Spoilage or Product Liability

If what you serve or sell causes harm, you're on the hook.

Cyber Attacks on POS Systems

Restaurants and retailers are now prime targets for digital fraud and ransomware.

Recommended Coverages for Retail & Hospitality

Policies That Fit Your Day-to-Day Operations

General Liability Insurance

Covers third-party injuries and property damage essential for all customer-facing businesses.

Commercial Property Insurance

Protects your building, décor, signage, furniture, inventory, and equipment.

Workers’ Compensation Insurance

Required in most regions — pays medical bills and lost wages if employees are injured on the job.

Business Interruption Insurance

Replaces income when fire, flood, or damage forces you to temporarily close.

Payment & Refund Assurance™ (Exclusive)

Covers refund risk for missed reservations, poor service claims, or late deliveries.

Cyber Liability Insurance

Protects POS systems, customer data, online booking platforms, and loyalty program apps.

Product Liability Insurance (for retailers & food services)

Covers claims if a sold item or meal causes illness, injury, or allergic reaction.

Why Choose GlobalPayGuard?

Insurance That’s Built for Front-of-House and Back-of-House

Multi-Location Support

One policy, multiple stores, hotels, or outlets

Retail, Restaurant, & Spa Expertise

We understand day-to-day risks

Fast Certificates for Leases & Vendors

Prove coverage to landlords or partners instantly

Cyber Protection Add-Ons

From POS to online bookings, we’ve got you covered

Refund Liability Coverage

Our exclusive Payment & Refund Assurance™ helps protect against cancellations and chargebacks

Real-World Scenarios We Cover

A customer slips in your boutique and sues for medical expenses — General Liability responds.
A fire in your café kitchen forces a 3-week closure — Property + Business Interruption kick in.
An employee burns themselves with hot oil — Workers’ Comp covers treatment and wage replacement.
A weekend reservation is lost due to a system glitch — Refund Assurance™ protects your revenue.
Your restaurant’s card reader is hacked — Cyber Insurance handles breach recovery and customer notifications.

FAQs

Is insurance required for small shops or pop-ups?

In many cases, yes. Landlords, event hosts, and vendors often require general liability and proof of Workers’ Comp coverage.

What if I operate multiple stores or restaurants?

We can build multi-location policies with centralized billing and unified claims management.

Do you cover food delivery or takeout risk?

Yes — including commercial auto coverage and refund protection for missed orders or delays.

Can I bundle property, liability, and employee coverage?

Absolutely. We offer Business Owner’s Policies (BOP) to simplify and reduce costs.

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Your Business Is Built Around Experience. Let’s Protect It.

Whether you sell goods, serve guests, or craft memorable moments — we help you stay open, secure, and legally protected.

Get a Custom Quote for Retail or Hospitality

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