Retail Chains

Liability exposures abound at retail operations, ranging from vulnerability to violent crime due to high cash balances to risks associated with a constant stream of public traffic. While your risks may be consistent throughout the year, seasonal fluctuations in both inventory and employees require insurance and risk management programs that address your specific needs.

For over 80 years, we have been representing supermarket, restaurant and other retail chains. Our reputation among carriers and our underwriter relationships are second to none, ensuring that you will receive the most comprehensive coverages at the most competitive price, including:

  • Dependant Property Coverage
  • Peak Season Endorsements
  • Temporary/Seasonal/Part-Time Employees
  • Equipment Breakdown
  • Business Income/Lack of Access due to Civil or Military Authority
  • Pollution & Environmental
  • Product Recall
  • Food Spoilage
  • Warehouses
  • Liquor Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • Cyber Liability/Data Breach
  • Electronic Data Processing
  • Crime/Fidelity/Cash
  • Transit
  • Employee Dishonesty (Theft)

Risk Control

Retail operations face a unique set of exposures that require a customized approach to risk engineering. Our in-house Risk Control specialists work with you to identify and resolve challenges common to retailers, as well as those unique to your operations. Our most effective programs include:

  • Safety Program Development & Enhancement
  • Guest/Customer Liability
  • Product Recall Assistance
  • Cash Management
  • Food Preparation/Processing Safety
  • Sexual Harassment Prevention Training
  • Hiring/Firing/Layoff Procedures
  • Infrared Fire Prevention Testing
  • Simulated OSHA Inspections
  • Risk Transfer -- Certificate
  • Disaster Planning & Recovery
  • Driver & Fleet Safety
  • Management Accountability

Claims Management

When claims do arise, our highly trained and experienced teams of property and casualty and workers' compensation claims professionals work with you to manage the process from beginning through conclusion. This leaves you more time to do what you do best -- run your business.

retail money drawer and cash register

"I initially was attracted to SullivanCurtisMonroe based on the firm's reputation and experience. As a client, I've learned firsthand that SCM has its pulse on the market, providing tremendous depth of knowledge on effective insurance tools for our company. Their client team structure ensures accessibility at all times."

- Risk Manager, Grocery Store Chain