Retail & Wholesale

Retail and wholesale businesses operate in fast-paced, high-expectation environments where every delay or disruption can lead to lost revenue and diminished customer loyalty.

With physical goods, multiple distribution channels, and high foot traffic, these businesses face a wide range of operational and financial exposures.

Retail and wholesale businesses face risks including theft, stock loss, customer injuries, and fire damage. Physical and supply chain disruptions can impact revenue and customer trust.

  • Theft & vandalism both internal and external
  • Stock damage or spoilage: particularly in perishable or high-value inventory
  • Customer injury or liability claims in stores from incidents on premises
  • Fire and natural disasters impacting stores or warehouses
  • Supply chain disruption that delay product availability or impact service levels
  • Cyber threats affecting POS (Point of sales) systems, payment data, or e-commerce operations
  • Property All Risks including Fire and Explosion
  • Business Interruption
  • Public & Product Liability
  • Theft & Burglary Insurance
  • Business Interruption Insurance
  • Marine Cargo (for importers/distributors)
  • Group Personal Accident/ Employee Benefít
  • Cyber Security Insurance
  • Trade Credit
  • Automobile insurance

Servicing Industries

Comprehensive coverage for service-based businesses.

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