Retail & Services
Protection for retail premises, goods and customer liability for businesses of any size.
Retail chains, restaurants, and service providers
The program covers the everyday risks of retail activity — from the premises and stock in the warehouse to liability towards visitors and customers. Broker Ins tailors the terms to the number of locations and the seasonality of the business.
Program at a Glance
The coverages that build protection for your business
Coverages are combined according to the specifics of the activity, and are negotiated individually for each client.
Retail Premises Property Insurance
Fire, flood and vandalism cover for stores, restaurants and offices.
Stock/Inventory Insurance
Protection for goods in the warehouse and on the sales floor.
General/Public Liability
Cover for incidents involving a customer or visitor at the premises.
Cash Insurance
Protection for cash on hand against theft or robbery.
Business Interruption
Compensates financial losses from interruption or temporary suspension of business due to a covered event.
Cyber Insurance for E-Commerce
Protection against data breaches for online stores and platforms.
Employer's Liability
Protection against employee compensation claims arising from occupational accidents and diseases for which the employer is liable.
Equipment Insurance
Protection for commercial and professional equipment — refrigerated display units, kitchens, POS systems, HVAC equipment, machinery and other assets.
Occupational Accident
Cover for work-related accidents resulting in temporary or permanent disability or death.
Specifics by type of activity
Every business has its own risk profile — coverage is tailored to the specific nature and needs of each operation
From inquiry to ongoing support — four steps
Inquiry
You share details about your locations and the type of retail activity.
Risk Assessment
Review of existing cover and risk assessment per location.
Quote & Negotiation
We negotiate terms with leading insurers on your behalf.
Ongoing Support
Online policy management and renewals, with full support in the event of a claim.
Frequently Asked Questions from Our Clients
How are multiple locations of a single chain insured?
A common program is prepared with a unified renewal schedule for all locations.
Am I covered for seasonal or other changes in the value of my stock?
Yes. The insurance cover can be structured to account for seasonal and other changes in the value of your stock.
Is there cover for theft or fraud by employees?
This risk is not typically covered as standard in the market. Under certain conditions, separate specialized cover may be arranged.
Do you assist with claims outside business hours?
Yes — we coordinate the inspection and communication with the insurer regardless of the time of the incident.
Get a Tailored Quote for Your Business.
Tell us about your business — we will prepare a tailored insurance program and assign a dedicated corporate expert.