I'd say it's most likely that insurers will just consider it falling under the current guest-exemption clause i.e. any damage or loss caused to your home or con

I'd say it's most likely that insurers will just consider it falling under the current guest-exemption clause i.e. any damage or loss caused to your home or contents by people you invited onto the premises is not covered. Truly caveat emptor, unless the retailers themselves start carrying third-party insurance like tradesmen often do.