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Trade group retail

Wholesale & Retail

Our risk appetite

Portfolios with a bias towards standard construction will always be favoured by us.

We're keen to write more:

  • Warehouses for storage of noncombustible goods (i.e. steel stockholding, machinery and equipment, ironmongery and ceramics)
  • Chains of high street shops
  • Concrete floored department stores

Warehouses that:

  • Are purpose built and of noncombustible construction
  • Have fully operational sprinkler systems designed to an appropriate specification for the goods stored
  • Have low piled storage (up to 4 metres)
  • Benefit from caging for items that are highly desirable
  • Have robust business continuity planning

What we offer

Our Property Investors Protection Plan offers extensive cover as standard across:

  • Property damage
  • Business Interruption
  • Public & Products Liability
  • Financial Loss Liability
  • Money & Personal Accident Liability
  • Employers’ Liability
  • Goods in transit
  • Legal expenses

Bespoke sector cover

Tailored to this sector we offer cover for:

  • Seasonal stock increases
  • Exhibitions
  • Denial of access
  • Essential employees
  • Unspecified customers and suppliers
  • Unspecified storage sites
  • Undamaged stock



Helping clients reduce risk

Our in-house team of 50 UK based Business Resilience experts are experienced in all aspects of wholesale & retail risk management.



Building valuation service: The average condition for buildings and reduces the risk of underinsurance.




Unoccupied buildings: We have an exclusive agreement with First Response Group who offer specialist protection services.




Electrical inspections: We work with Guardian Electrical to ensure legal compliance and protection for employees and property.




Slips and trips: We work with Slip Safety Services assisting with prevention of slips and trips associated with volume of people traffic.




Manual handling: We work with Pristine Condition who observe and assist with manual handling assessments and requirements.




Claims

We aim to be indisputably and consistently the best claims team in the UK. We offer:

  • Dedicated Claims Relationship Managers and tailored claims review meetings
  • An online claims tracking tool (eServe) and the transfer of cash payments to customer accounts in minutes
  • Monthly claims analytics reports

Giving you more



rradar: We’ve also teamed up with rradar, a law firm that offers free expert legal, regulatory and risk management advice. They help clients proactively understand and manage their risks before they become a problem and navigate them over any legal hurdles, should any arise.