Retail & Consumer Goods
Insurance for shops, showrooms, mall tenants, e-commerce sellers, and consumer goods distributors.
Busy stores carry everyday risks.
Retailers hold valuable stock, welcome large numbers of shoppers, and handle cash and card payments every day. Mall leases usually add specific insurance obligations for fit-out and liability.
We arrange cover that meets your lease, protects stock through seasonal peaks, and keeps income flowing if you cannot trade.
- Mall and high-street stores
- Showrooms and outlets
- E-commerce and fulfilment
- Consumer goods distributors
What retailers typically insure.
Stock and fit-out
Merchandise, shelving, and shopfitting, with seasonal increases for peak periods.
Public liability
Claims from shoppers injured in your store.
Products liability
Claims that goods you sold caused injury or damage.
Money and fidelity
Cash in tills, safes, and transit, and staff dishonesty.
Business interruption
Lost profit while a store is closed after insured damage.
Glass and signage
Shopfronts, display glass, and illuminated signs.
Practical steps that insurers look for.
Security
- Monitored alarms and CCTV
- Secure stockrooms with controlled access
- Regular cash collections from tills
Safety
- Clear walkways and non-slip flooring
- Maintained fire detection and extinguishers
- Incident logs for shopper accidents
Records
- Up-to-date stock valuations
- Purchase invoices stored securely
- Lease insurance clauses on file
Need protection for your future?
Global coverage, trusted assurance. Our advisors are available Mon – Sun 9:00 AM – 6:00 PM.