A Digital Division of WCL Bauld

Retail & Hospitality
For businesses that sell goods online or at a physical location.



In retail and hospitality, you work with the public every day, which exposes your business to many risks.  We help you protect your business against inventory theft, equipment breakdown or other unexpected events.

These are some examples of retail & hospitality businesses that should be protected:


Why do retail & hospitality businesses need insurance?

A customer slips on a wet floor

As a business owner, you are responsible for the safety of your premises.  If a customer is injured on your premises, you could be responsible for court costs and any damages awarded.

Someone becomes ill from your product

If you sell or manufacture any product as part of your business, property damage or personal injury that occurs to any third party from use or consumption of that product is your responsibility.  Costs to alleviate the situation could include; costs to recall your product satisfy the cost of injury to the third party and or repair your reputation in the community.

Your debit machine is hacked

Your business will be held responsible for any theft of customer information that was entrusted to you by use of your debit/credit machines.  If your equipment is compromised and customer information is stolen, fines and or legal fees to repair the situation could be enormous for a small business.





Commercial General Liability

Commercial general liability insurance protects your business if you're found legally liable for injuries or property damage caused by your product, completed work or accidents on your premises involving visitors or customers, or at your customer's location. 

Commercial Property Insurance

Commercial Property Insurance helps to protect your physical assets such as building, stock, equipment and computers, including equipment removed from your premises (at a client's business, temporarily in transit).

Cyber Insurance

Cyber-insurance is an insurance product used to protect businesses and individual users from Internet/electronic-based risks, and more generally from risks relating to information technology infrastructure and activities.

Business Interruption

Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a loss.

Equipment Breakdown

Equipment Breakdown insurance provides coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment, including prodcution equipment, cooking equipment and computers.