Our Insurers
Retail and hospitality businesses face a unique combination of risks — from customer slip-and-fall claims to stock loss, food liability and business interruption. We tailor cover that actually fits the way your business works.
From a single retail unit to a multi-site restaurant group, we structure cover around your actual operation — not a generic template.
Clothing, electronics, food, hardware and specialist retail. Cover for stock, buildings, public liability and business interruption. We handle lease requirements for landlord-mandated covers.
From independent bistros to multi-site chains. Food liability, stock spoilage, business interruption and employer's liability. We understand the risks specific to food service operations.
Licensed premises cover including buildings, contents, glass, business interruption and public liability. We work with specialist hospitality markets for competitive terms on licensed trade risks.
Buildings, contents, guest property liability, business interruption and employer's liability for accommodation businesses. Including bed and breakfast and serviced apartment cover.
Treatment liability, professional indemnity and public liability for salons, spas and beauty clinics. Including cover for high-risk treatments and mobile/home-visit practitioners.
Gyms, sports clubs, event venues and entertainment businesses. Tailored cover for participant liability, event cancellation and seasonal business interruption.
Retail and hospitality policies can be bundled as a commercial combined or structured individually. We review your exposures and ensure nothing is left out.
Protection for your premises, fixtures, fittings and equipment. We ensure sums insured are adequate — underinsurance is one of the most common problems we find when reviewing existing policies.
Cover for stock held on your premises, in transit and in cold storage. Includes seasonal stock uplift provisions for peak trading periods — often overlooked on standard policies.
If your business is forced to close — fire, flood, equipment failure — BI cover replaces lost revenue and covers ongoing fixed costs. Getting the indemnity period and basis right is critical.
Cover for injury or property damage to customers, visitors and members of the public arising from your business activities. Essential for any premises open to the public.
A legal requirement if you have staff. Covers claims from employees injured at work. We combine EL with PL to keep costs down and administration simple.
Covers claims arising from products you sell, manufacture or supply — including food products. Critical for food and beverage businesses and anyone selling physical goods.
Cash on premises, in transit and in the safe. Contents theft by forced entry. We review your cash-handling procedures and structure limits accordingly.
Online retailers and businesses taking card payments face cyber exposure. Cover for data breaches, PCI-DSS non-compliance costs and business interruption from cyber events.
Employment disputes, licensing appeals, tax investigations and supplier contract disputes. Legal expenses cover protects against costs that fall outside your main policy.
Stock values fluctuate. Many businesses set their stock sum insured at the start of the year and forget to adjust for peak periods. A claim during the Christmas run-up on an underinsured policy can be devastating.
Business interruption cover is only as good as the indemnity period. Most retail and hospitality premises take 18–36 months to fully recover after a major loss — but many policies default to 12 months.
Standard policies often exclude food spoilage from refrigeration breakdown or power failure. For food businesses, this can represent a significant uninsured loss. We check for this and add cover where needed.
Commercial leases often impose specific insurance requirements — minimum PL limits, buildings cover even as a tenant, loss of rent. We review lease obligations and ensure your policy satisfies them.
We know the risks specific to retail and hospitality — and the insurers with genuine appetite for these sectors.
We identify gaps in existing cover before renewal, not after a claim. Underinsurance, exclusions and inadequate limits are found and fixed.
We access specialist hospitality and retail markets to secure genuine value — not just the cheapest option that leaves you exposed.
When you have a claim, you speak to a broker who knows your policy. We manage the process and advocate on your behalf with the insurer.
A fire originating in the kitchen of a London restaurant caused extensive damage to the kitchen, dining area and extraction systems. The business was closed for 7 months during the rebuild. The policy covered building reinstatement (£140k), equipment replacement (£42k) and business interruption losses over the closure period (£38k). The insurer attempted to apply an underinsurance condition — we challenged this successfully and the claim was paid in full.
Tell us about your business and we'll come back with a competitive quote — usually within 24 hours. No automated responses, just a specialist broker who knows your sector.
Prefer to talk? Call 0208 909 2899 Mon–Fri 9am–6pm or drop us an email at info@foruminsurance.com