Retail & Wholesale
Protection for inventory, operations, and customer-facing risks.
Coverage built around your storefront, your stock, and your customers
Whether you’re working out of four walls or moving product through three Ws, your business faces risk every time a customer walks in or an order goes out. Coverage should be built around your specific mix of inventory, operations, and customer contact, not a generic retail template.
Who we work with
- Auto dealers
- Consumer goods stores
- Building and garden supply retailers
- Wholesalers
- Agents and brokers
Common risks in retail & wholesale
- Customer-facing liability, for injuries or property damage that happen on-site or in connection with your operations
- Inventory and property loss, covering stock and premises against fire, flood, and theft
- Product liability, if a product you sell causes injury or damage due to a defect or malfunction
- Cyber exposure, from payment processing, customer data, and online ordering systems
What coverage typically looks like
Most retail and wholesale businesses combine general liability, product liability, and cyber insurance as a base, with group benefits plans added to support staff retention. This applies across auto dealers, consumer goods stores, building and garden supply retailers, wholesalers, and agents and brokers, with the mix shifting depending on what you sell and how you sell it.