Retailing is one of the world’s largest industries. Retailers range in size from the “big box” giants that have developed over the past two decades down to the “mom and pop” main street retailer that is still prevalent throughout America.
Size and complexity of retailers present a range of exposure challenges that include:
Consolidation
Employee attraction and retention
Business continuity
For a retail business, these trends present a host of risks:
Strategic
Financial
Operational
Hazard
At HM we have assembled a “group” that specializes in the unique risks that challenge retailers and present complicated loss scenarios to business owners, property owners and human resource managers that are engaged in the retail business.
In addition, the group has worked with retailers as they endeavor to create programs that help retailers:
Cut insurance costs
Enhance employee benefits programs to reach more employees, cost effectively
Develop workplace violence prevention programs
Manage loss sensitive program exposures
Industry Coverage Menu
- Agri-Business
- Alternative Energy
- Construction Group
- Financial Institutions Practice Group
- Fire Protection District
- Food & Beverage
- Franchises/Associations
- Global Energy Services
- Hospitality
- Manufactured Home Community
- Manufacturing
- Not-For-Profits & Social Services
- Organ Procurement Organizations
- Quick Service Restaurants
- Retail
- Transportation