Insurance for Hospitality, Retail & Commercial Projects
Hotels, restaurants, stores and offices run on opening dates and brand standards. When a project opens late, the owner loses revenue immediately.
Tenant fit-outs add landlord requirements, and hospitality adds furniture procurement and public safety in busy spaces.
Why Commercial Work Is Different
Delay claims follow late documents, redesign and permit issues.
Missing a flag’s standards or a landlord’s criteria can mean rework.
Buying furniture and fixtures for the owner adds financial exposure beyond design.
Finishes, lighting and accessibility in busy spaces draw injury claims.
For example: the restaurant that opened six weeks late
A restaurant group’s flagship opening slips six weeks after the health department rejects the kitchen exhaust design. The owner claims lost revenue and staff costs from the interior designer and the mechanical engineer.
Who owned the kitchen design scope, whether the engineer had the equipment data in time, and whether the contract limited lost profits decide how the claim ends.
Hypothetical example for illustration. Coverage for any claim depends on the policy terms and the facts.
Hospitality, Retail & Commercial: Common Questions
Does professional liability cover purchasing furniture for a client?
Not always. Procurement can be treated as a business activity rather than design. It should be described on your application and in your contracts.
What do landlords require for tenant fit-outs?
Usually general liability naming the landlord as additional insured, and sometimes professional liability. Check the lease exhibit before you start.
Is lost revenue from a late opening covered?
Professional liability can respond to damages you are legally liable for, subject to the policy terms, but contracts often limit lost profits. A consequential damages waiver is worth asking for on hospitality work.
Disciplines Most Active on Hospitality, Retail & Commercial Projects.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.