Retail

A practical map from operating exposure to policy, wording, claim, and risk-control decisions.

Key risks

Fire and theft
Seasonal stock peaks
Public liability
Cyber and payment systems
Business interruption

Recommended policies

Property All Risks
Business Interruption
Money / Crime
Public Liability
Cyber
Product Liability

Critical extensions

Seasonal increase
Denial of access
Deterioration of stock
Goods in transit
Tenant improvements

Common gaps

Average stock declared
Online revenue omitted
Landlord responsibilities unclear
Flood sublimit inadequate

Typical claims

Shop fire
Customer injury
Payment breach
Flooded stock

Risk-management advice

Declare peak stock
Map physical and online revenue
Clarify lease insurance duties
Preserve sales and stock data

This is a general industry map, not a recommendation for a particular business. Requirements may depend on contracts, activities, locations, values, law, risk appetite, and complete policy wording.