Retail and Hospitality Insurance
SECTOR
Insurance for Retailers, Restaurants & Hospitality Businesses
Retail and hospitality businesses operate in highly competitive environments where customer experience, reputation and operational continuity are critical.
amb provides specialist insurance solutions for retailers, restaurants, cafés, bars, hotels and hospitality businesses across the UK. We help businesses protect their premises, staff, stock, equipment and customers against a wide range of risks.
Our cover options can include public liability, employers’ liability, stock insurance, business interruption, cyber insurance, equipment breakdown and property cover.
Protection for Customer-Focused Businesses
We understand the day-to-day pressures faced by hospitality and retail operators, from seasonal demand and staffing challenges to supply chain issues and rising operating costs.
We support businesses including:
- Independent retailers
- Restaurants and cafés
- Hotels and guest houses
- Pubs and bars
- Event and catering businesses
- Beauty and wellness providers
- Convenience stores and supermarkets
- Franchise operators

AMB TEAM
Local Support You Can Rely On
Our team works with businesses of all sizes to build insurance programmes that support resilience, protect revenue and help maintain customer confidence.
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Have a question or want to discuss?
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What insurance do retail and hospitality businesses need?
Businesses often require public liability, employers’ liability, stock insurance, business interruption cover, and equipment protection.
What is business interruption insurance?
Business interruption insurance helps cover lost income and ongoing costs if a business cannot operate following an insured event.
Does insurance cover seasonal stock increases?
Yes. Many insurers can accommodate temporary stock increases during busy periods if notified in advance.
Can hospitality businesses insure against food-related claims?
Yes. Public and products liability insurance can help protect businesses against claims involving food safety or customer illness.
How can amb Insurance support retail & hospitality businesses?
amb Insurance helps retailers, restaurants, cafés, pubs, and hospitality businesses arrange tailored protection for premises, staff, customers, and stock.
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