Retail Insurance

Risk Solutions for the Retail Sector

USI’s Retail practice provides peace of mind in a highly competitive environment where protecting inventories, employees and customers is critical to business success. USI partners with both local companies and national chains across the retail sector, from grocery and convenience stores to high end fashion boutiques, with the goal of developing cost effective risk strategies to improve profitability and manage exposure.

USI's Retail team offers comprehensive coverage and risk solutions for the retail sector including:

  • Property Coverage
  • Supply Chain Protection
  • Business Interruption Valuation
  • Workers' Compensation
  • General Liability
  • Umbrella/Excess Liability
  • Cyber / Privacy Liability
  • Automobile
  • Directors & Officers Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • International Coverage
  • Environmental Exposure
  • Claim Advocacy and Risk Control
  • Contract Review
  • Benchmarking and Loss forecasting
  • Collateral Reviews

To analyze our clients' business issues and challenges, our Retail team leverages USI ONE®, a fundamentally different approach to risk management. USI ONE integrates proprietary business analytics with a network of local and national technical experts in a team based consultative planning process to evaluate the client’s risk profile and identify targeted solutions. Clients then receive tailored recommendations for improving their total cost of risk.

Experience the USI ONE Advantage® and learn how USI’s retail team works with industry clients to control risk and improve margins. Email to learn more or contact your local USI office today.


A retail company’s computer systems were attacked by malware, a malicious virus that targets retail point-of-sale systems. The malware destroyed consumer payment data and began reading each keystroke on multiple corporate machines. The company was forced to suspend operations at five store locations for four days while IT specialists worked to recover lost data and secure the networks. The retailer suffered $216,000 of lost business income as a result of the store shutdowns. Furthermore, the breach required 96 hours of data recovery efforts, costing the company an additional $19,200. USI had placed coverage for the company using the PrivaSafe solution and the carrier covered the company’s lost revenue and data recovery costs.

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Speak to a representative at your local USI office today!