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.


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.