Retail
Retail and ecommerce
Stores and online sellers should clarify what they sell, where stock is held, how products are sourced, and how orders are fulfilled.
Risk signals
Common discussion points
- Customer foot traffic and public liability exposure
- Imported, private-label, or high-value products
- Stock accumulation and seasonal peaks
- Online sales, shipping, and third-party platforms
- Theft, fire, water damage, and supply interruption
Covers often discussed
Potential cover areas
- Public and product liability
- Stock and contents
- Material damage
- Business interruption
- Cyber and electronic transaction discussions
Questions for the adviser
Bring these into the conversation
- Do you import, rebrand, modify, or assemble products?
- Where is stock stored and how does value change seasonally?
- Are online sales handled through your own website or platforms?
- What would happen if the premises or stock were unavailable?
Preparation tips
Before the meeting
- Prepare stock value ranges and supplier information.
- Identify imported or private-label products clearly.
- Keep records of online sales channels and fulfilment partners.
Prepare your risk context before the adviser conversation.
iCura helps organise the facts, questions, and renewal signals that make insurance advice more practical.