A kitchen fire. One week closed. Who pays your fixed costs?
We find the answer
The Biggest Risks for Hospitality & Retail
These scenarios affect restaurant owners and retailers more often than you might think — frequently with existential consequences.
Business Interruption
Kitchen fire, water damage, government-ordered closure: every day without revenue costs you, but rent and staff expenses keep running. 30% of all hospitality businesses don't survive a 4-week closure.
Customer Injury on Premises
A guest slips on a wet floor, a child gets burned by hot food. Personal injury claims can quickly reach six-figure sums.
Inventory & Stock
Kitchen equipment, walk-in coolers, stock inventory: a break-in or technical failure can wipe out an entire month's cost of goods.
Hygiene & Product Liability
Food poisoning, allergen errors, hygiene violations: liability is strict, penalties are severe — up to and including forced closure of your business.
Why Hospitality Businesses Need an Independent Broker
Industry Expertise
We understand the specific risks of restaurants, hotels, cafés, and retail — and find policies that fit perfectly.
Cost Optimization
Hospitality businesses operate on tight margins. We find the best coverage at the best price — without unnecessary add-ons.
Claims Management
In the event of a claim, we handle all communication and processing with the insurer. You focus on running your business.
Flexible as You Grow
Seasonal operations, expansions, new locations — we adapt your coverage flexibly to match your business development.
The Optimal Insurance Package for Hospitality & Retail
Versichert
- Commercial Liability Insurance (incl. product liability)
- Business Interruption Insurance
- Contents Insurance (furnishings, equipment, goods)
- Loss of Earnings Insurance
- Glass Insurance (shop windows, display cases)
Nicht versichert
- Cyber Insurance (recommended for online ordering systems)
- Legal Expenses Insurance (tenancy and employment law)
- Fleet Insurance (for delivery services)
Optimal Coverage in 4 Steps
Business Analysis
We record your type of business, size, revenue, and special risks (e.g. outdoor dining, catering, delivery service).
Gap Analysis
We review your existing coverage and identify dangerous gaps — specific to your industry.
Tailored Quote
Comparison across 150+ insurers, presented transparently with all benefits and costs.
Ongoing Support
Annual review, claims handling, and adjustments when your business changes.
From Real Life: Actual Claims Cases
Kitchen Fire in a Restaurant
Grease fire in the kitchen. 3 weeks of closure for renovation. Rent, staff, and ongoing costs must continue to be paid.
Food Poisoning at a Celebration
Catering service delivers spoiled food. 15 guests fall ill, three require hospitalization. Compensation, medical costs, reputational damage.
Break-In at a Retail Store
Burglars steal high-value inventory and damage the shop interior. Glass damage, merchandise theft, and 5 days of closure.
Frequently Asked Questions About Hospitality & Retail Insurance
Protect Your Restaurant or Retail Business
Free initial consultation, non-binding insurance comparison across 150+ providers. Industry-specific and transparent.