Retail & Hospitality
Insurance Solutions
Protection for retail businesses, restaurants, hotels, and service establishments.
Get a QuoteUnique Risks in Retail & Hospitality
Retail and hospitality businesses are built on customer interaction — and that interaction creates constant liability exposure. Slip-and-fall accidents, foodborne illness claims, and product liability suits are everyday realities for businesses that serve the public. Florida's high tourism volume amplifies these risks significantly.
For restaurants and bars, liquor liability is a critical — and often overlooked — coverage. Dram shop laws can hold an establishment liable for damages caused by an intoxicated patron long after they have left the premises. Hotels and resorts face additional exposures from guest injuries, property damage, and data breaches from reservation systems.
SMAART Insurance designs retail and hospitality programs that cover the full spectrum of customer-facing risk, from opening day through peak season.
Key Industry Facts
- ■Slip-and-fall claims cost U.S. businesses over $70B annually.
- ■Florida's dram shop laws allow third-party victims to sue alcohol-serving establishments.
- ■Retail inventory shrinkage from theft averages 1.4% of annual revenue.
- ■Restaurant closures from health incidents average 2–3 weeks of lost revenue.
- ■Cybercrime targeting retail POS systems increased 400% over the past five years.
is the average cost of a customer slip-and-fall lawsuit for retail businesses. General liability insurance covers these claims so they don't threaten your bottom line.
Coverage Solutions for Retail & Hospitality
From general liability to liquor liability, we cover the risks that come with serving customers every day.
General Liability
Protection against customer injury, property damage, and advertising liability claims at your establishment.
Learn MoreWorkers' Compensation
Coverage for employee injuries in fast-paced retail and food service environments where accidents are common.
Learn MoreCommercial Property
Protection for your store, restaurant, or hotel — including fixtures, inventory, and equipment.
Learn MoreProduct Liability
Coverage for claims arising from products you sell, serve, or manufacture that cause injury or illness.
Learn MoreBusiness Interruption
Replaces lost revenue during temporary closures caused by a covered loss such as fire or storm damage.
Learn MoreCommercial Auto
Coverage for delivery vehicles, shuttle buses, and other commercial vehicles in your operation.
Learn MoreLiquor Liability
Required coverage for bars, restaurants, and event venues serving alcohol — protects against dram shop claims.
Learn MoreCyber Insurance
Protection for point-of-sale systems, customer data, and online transaction platforms against breaches.
Learn MoreWhy SMAART for Retail & Hospitality
Customer Safety
We help retail and hospitality businesses identify premises liability exposures and structure coverage that protects against customer injury claims.
Inventory Protection
Our property programs are designed to cover merchandise, equipment, and seasonal inventory fluctuations specific to retail operations.
Employee Coverage
From part-time staff to full-time management, we build workers' compensation and employment practices programs that cover your entire workforce.
Frequently Asked Questions
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Free Consultation
Not sure what coverage you need?
Our licensed advisors will assess your risks and recommend the right protection — at no cost.
Call (305) 819-3675Protect Your Retail & Hospitality Business
Our specialists understand the risks of serving customers every day. Let us build a program that keeps your business protected and your doors open.
Get a Quote