Retail
Retail
Auto Sales & Service
Convenience Stores
Fitness and Sports Centers
Golf Courses & Country Clubs
Grocers
Hotels & Resorts
Lumberyards
Printers
Restaurants
Salons
Screenprinters
Services
Whether it's computing injury claim costs, or "inventory shrink" due to employee theft, the cost of both pure and speculative risk affects the price of your Retail Risk Management Program. That's why INSPRO takes a total cost of risk approach by tailoring your risk management program to look to the end game. To reach that goal, we help you:
- Analyze your exposures
- Implement control measures to those exposures
- Determine risk transfer or financing options
- Manage current and future exposures
Property Coverage
Equipment Breakdown, Business Interruption, Spoilage, Off Site Power Failure, Peak Season...these are just a few of the property coverages that retail exposures could potential face. Let us help you identify what those are.
Workers' Compensation
Having employees leads to the potential of on the job injuries. Our loss control department can help you manage the process of keeping your business safe, while our claims side will help manage your experience mod and look for areas that need attention.
Auto Including Hired and Non-Owned
Many retail businesses contain specific auto exposures. Whether delivery is involved in your restaurant or store, or you are an auto dealership, auto losses have the potential to be a large loss in a liability situation. Our experts will make sure you have the proper coverage in place!
Fidelity & Crime
One of the most common threats to organizations is occupational fraud. Fidelity & Crime insurance addresses losses due to employee dishonesty, credit card forgery, computer fraud, social engineering and theft. In the retail environment, employees are exposed to many opportunities to make poor decisions. Let us help you take the steps to reduce risk and support you if a loss occurs.
Data Breach & Cyber Risk
Cyber attacks can lead to loss of revenue, business interruptions and costly litigation. Organizations of all sizes can suffer breaches from malicious attacks, bad actors, and even simple human error. Let INSPRO help you take steps to protect yourself from cyber attacks by tailoring a Cyber Risk program to meet your specific needs.
Employment Practices Liability
Employment related claims can occur in any sized organization, especially in retail. The cost to defend allegations of wrongful termination, discrimination, workplace harassment, and retailation can be disruptive and costly. INSPRO knows your exposure to these risks and we can help you understand how to manage and protect against them with Employment Practices Liability (EPL) insurance.
Human Resources
- HR Hotline – Live access to an HR Professional
- Compliance
- Monthly Notifications
- Online Employee Training
- Group Health Insurance Programs