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Tailored insurance strategies for your retail and wholesale business

Tracking every item, managing stock, figuring out logistics and keeping your people covered can get exhausting. That’s why we know that it’s essential that we get to understand how your business operates, and build solutions that are specifically tailored to cover your risks.

Working with providers throughout the industry means we can build cost-effective solutions with the broadest coverage. We’re not tied to any specific provider or product, which means we find what will work best for you.

What kind of retail and wholesale businesses do we work with?

Our commercial insurance team has extensive experience in building tailored protection solutions for all types of retail and wholesale businesses:

Wholesale chains



Independent retailers

Retail chains

Which specialist insurances might you need if you operate in the retail and wholesale sector?


The loss of, or damage to, your stock could cause serious problems with your cashflow, which is why our specialist team build comprehensive coverage solutions to ensure your business is protected, should the worst happen.

Marine cargo and goods in transit

This type of cover ensures that any goods you transport by air, road, rail or sea are covered if they don’t arrive at their destination due to theft, loss or damage.

Speak to one of our retail and wholesale insurance experts

Our expert team has extensive experience in building tailored protection solutions for all types of retail and wholesale businesses.

Here for all your business insurance needs

When considering how to protect your business, it's important to think about the kind of work you do, and the potential risks you may face. However, there are some types of insurance cover that all types of businesses might need. NFP can help you implement a full package of protection for your business, your assets and your people.

Our cover provides protection for your building and contents against damage from adverse events.

NFP can help you protect your profits if you are left unable to trade after an unexpected event like a break-in, fire, or failure in your supply-chain.

We’ll ensure you have access to specialist technical and data protection consultants to help you mitigate a cyber event, such as a hack or data breach, and protect your professional reputation.

Our cover will help mitigate the risks faced by you and your senior leaders, by providing legal advice, and covering defence and compensation costs relating to legal claims.

Employers’ liability insurance is there to protect you and your business – it covers you for legal liability for death or injury to your employees caused during the course of their employment.

Whether you need cover for a single business trip, or for an ongoing programme of travel, we can design a package that protects you and your people in the event of cancellations, accidents and medical emergencies, lost baggage, delays, and emergency evacuations.

We can help you to protect your business against loss of profits and keep you trading if an employee with crucial skills, knowledge, experience or leadership becomes seriously ill or passes away.

Legal expenses insurance covers the cost of defending a legal claim, such as employment disputes, compensation awards, property protection, bodily injury, tax protection, or a health and safety prosecution.

As motor fleet specialists, we’re uniquely positioned with direct access to specific markets for both general and specialist fleet services.

Our public liability insurance protects your business against the cost of personal injury or property damage claims made by your clients or members of the public.

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