Few industries were hit as hard by the pandemic as restaurants, drinking places and retail in 2020, but those that were able to survive are now seeing much better times. As the global pandemic continues to be a presence in 2022, many old and new challenges remain for operators in these three sectors. As such, some traditional risks to these businesses remain the same while new ones have emerged, causing many insurance underwriters to reevaluate their approach to writing policies for these spaces.