At HWH Insurance Brokers, we understand that the retail sector is diverse and fast‑moving. From independent shops and salons to large retail operations, no two businesses face the same risks.
We work closely with retailers across a wide range of sectors — including building merchants, hairdressers, grocers and launderettes — taking the time to fully understand how your business operates, the environment you trade in and the risks you face on a daily basis. Our aim is to ensure you have the right levels of cover in place, at the right premium, with no unnecessary gaps or duplication.
Our experienced team provides independent advice and creates insurance solutions tailored to your business, helping to protect your premises, stock, employees, customers and income.
Risk Management Support for Retailers
Working alongside one of the UK’s leading risk management providers, we are also able to offer access to comprehensive risk management support. This includes assistance with health & safety, business continuity and risk control measures designed to help you remain compliant with your legal obligations and reduce exposure to preventable losses.
Effective risk management can help minimise claims activity and may also improve insurer terms and premiums over time.
What is typically included in a retail insurance policy?
Cover will vary depending on your business activities and risk profile, but may include:
- Stock and contents
- Money and cash handling
- Glass and shop front cover
- Buildings insurance
- Business interruption
- Public liability
- Employers’ liability
- Products liability
- Personal accident, including assault cover
- Legal expenses
