Retail & E-Commerce
Comprehensive protection managing public foot traffic premises liability, supply chain risks, and digital consumer payment vulnerabilities.
Operational Risk Profile
Retail operations, whether physical storefronts or digital platforms, face distinct consumer liabilities. Storefronts manage constant public foot traffic and inventory theft. E-commerce platforms face massive cyber payment vulnerabilities, supply chain transit risks, and strict product liability exposures for goods manufactured overseas but sold domestically.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Product Liability
Critical protection against bodily injury or property damage caused by a defective product sold, distributed, or manufactured by the business.
Cyber Liability & PCI Compliance
Required to manage the liability of processing credit cards and protecting consumer data from digital theft.
Business Income & Extra Expense
Necessary to replace lost revenue and cover payroll if a physical location or primary distribution center is forced to close due to a disaster.
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