Retail and wholesale insurance
Specialist insurance strategies designed to protect your business, your people and your supply chain
The right cover - built around your business
Running a retail or wholesale business means managing risk across every part of your operation. This includes the shop floor, the warehouse, your supply chain and your online presence.
Whether you're a high-street retailer, an e-commerce operation or a national distributor, your risk profile is unique. An off-the-shelf policy rarely accounts for that complexity.
Why specialist advice matters
Too many retail and wholesale businesses end up with generic cover that leaves gaps where it matters most, or are paying for protection they don’t need. Managing insurance reactively, or without specialist guidance, can lead to unnecessary cost and avoidable exposure.
NFP takes the time to understand how your business works, where your exposures are and what keeps you up at night. We bring together deep sector knowledge, access to a broad panel of insurers and a hands-on, consultative approach to design insurance solutions that genuinely fit.
We take the time to understand your operation, your premises, your people, your stock and your supply chain. We then build an insurance programme tailored to the risks you actually face.
Design a programme
that fits
Because we're not tied to any one insurer, we work across the market to secure competitive pricing and broad protection. Ensuring you're paying for the right level of cover, not more.
Reduce cost without compromising cover
Our dedicated claims team is with you from the moment an incident occurs, managing the process so you can focus on getting your business back on track.
Support you when it matters most
As your business grows, diversifies or faces new challenges, we provide ongoing recommendations and face-to-face support to ensure your cover keeps pace.
Keep your programme evolving
Why specialist support matters
Without the right expertise behind your insurance programme, you risk more than gaps in cover. You risk financial exposure, operational disruption and the inability to recover quickly when things go wrong.
Without specialist support, you could face:
- Gaps in your cover that you aren't aware of until it's too late
- Paying for more protection than you need. Or not enough where it counts
- A time-consuming, frustrating claims process with no dedicated support
- Third-party liability claims that threaten your ability to trade
- Supply chain disruptions that affect your customers and your reputation
- Cyber incidents and data breaches with no clear recovery plan
With NFP as your HR and people solutions partner, we help you:
- Your insurance programme is designed around the specific risks of your business
- You have access to competitive, market-leading cover
- You receive dedicated claims support, should you ever need it
- Your programme evolves alongside your business
- You have the confidence and oversight to make informed decisions about your risk strategy
How we support you, from risk assessment to claims
Choosing the right health insurance isn't just about looking at a price tag; it’s about understanding what you are actually covered for. As an independent adviser, NFP works for you, not the insurance providers.
Risk assessment and design
We get to know your premises, stock, people, logistics and trading model, then design cover around your real exposures, not theoretical risks.
Market access and broking
We use our insurer access and provider relationships to negotiate competitive pricing and comprehensive cover, including package policies and seasonal stock needs.
Claims support and management
When an incident occurs, our dedicated claims team manages the process from start to finish, reducing disruption and helping you get back to business.
Review and recommendations
As your business changes, we review your programme, make proactive recommendations and provide face-to-face support to keep your protection moving with you.
-
Fire, flood & theft
-
Product recall & stock loss
-
Supply chain disruption
-
Third-party injury
-
Cyber and data breaches
-
Business interruption
-
Legal & financial loss
-
Property & equipment damage
-
Supermarkets and retail parks
-
Franchises and independent retailers
-
Online and e-commerce
-
Garden centres and florists
-
Food and beverage distributors
-
Trade and builders’ merchants
-
Electronics, textiles and household goods suppliers
-
Machinery and equipment wholesalers
NFP your specialist people and risk management partner
Harness NFP's scale, technology and people-focused approach to help your retail or wholesale business thrive.
Health and safety
Practical, straightforward and cost-effective health and safety solutions.
Attract, retain and reward
Benefits strategies to help attract, retain and reward your people.
HR and people management
HR support to help your people and business navigate change.
Request support from our redundancy specialists
Talk to our retail and wholesale insurance specialists
Share your business priorities, risk concerns and growth plans. We'll connect you with the right NFP specialists to design an insurance programme that protects what matters most to your operation.
Complete the form and a specialist will be in touch to discuss next steps.