Insurance for Retail, Hospitality & Venues
You work hard to create a space people want to visit. One accident, incident, or unexpected closure can undo years of effort.
Common Risks
- Slips, trips, or falls by customers.
- Fire or water damage to your premises.
- Theft of cash or stock.
- Business interruption from storms or power outages.
- Injuries or incidents linked to alcohol service.
Covers You Might Need
Public Liability
Protects against injury or property damage claims. A customer slips on a wet floor and breaks a wrist — this covers the claim and ensures you comply with Liquor Licencing which often requires this to be in place.
Property Insurance
Covers your premises, stock, and fit-out. Whether it’s fire damage to the kitchen or smashed shop windows, you can recover fast.
Business Interruption
Helps cover lost income after an insured event. Even a short closure can be costly in hospitality.
Management Liability
Protects owners and directors from certain legal claims.
Glass Insurance
Covers accidental breakage of glass windows, doors, or displays.
Why Work with Luma
We know your margins are tight. We make sure your cover works as hard as you do.
FAQs
A customer slipped on a wet floor. What now?
Take a breath—this is exactly why you have Public Liability. We help handle the medical claims and legal chats so you can get back to serving customers.
What if my fridge dies and I lose all my stock?
That’s Machinery Breakdown and Spoilage cover. If your cool room gives up the ghost, we help cover the cost of the repairs and the wasted steak or seafood.
Does my insurance cover me if I sell online too?
Absolutely. Whether you’re selling from a storefront or a Shopify site, we can bundle your cover to protect your stock while it’s in the shop or in transit to a customer.