Retail

RISK MANAGEMENT

Retail

Industry expertise from the high street through the internet.

One size never fits all

The retail environment is constantly changing and evolving while the global marketplace grows more and more competitive. Without a doubt, it’s a challenging landscape. But with Lockton, it is but navigable. As the world’s largest independent insurance broker, Lockton is empowered to respond to changing markets and changing risks. Our independence allows us to think bigger, to try new things on for size. We make it our business to focus on what matters to you. Whether that’s distribution concerns, supply chain issues, employee concerns, or anything at all, we have you covered.

Lockton understands all aspects of the retail world, from the high street through the internet via distribution and home shopping. We deliver customized solutions tailored specifically to fit your needs.

All shapes and sizes

Our team is driven by courage, creativity, and a relentless need deliver the right solutions to you. Count on Lockton for expert retail advice in: understanding cyber and internet sales exposure, analyzing supply chain and logistical risk.

From mom-and-pops to stores with a global presence, our team has expert advice in understanding cyber and internet sales exposure, analyzing supply chain and logistical risk across borders, assessing fire and life safety risks, and limiting crime exposure. Additionally, we manage employee benefits and well-being while providing robust employer and public liability claims defensibility.

At Lockton, we are not different for the sake of being different. We are different for the sake of being better.

Client-focused, creative solutions

We provide Business Continuity Planning (BCP) to ensure the continuation of operations in the event of a catastrophic event.  We will work with you through Lockton’s BCP disaster recovery planning to identify the actions, resources, and procedures to help keep your business operational despite unexpected interruptions.

To structure your retail insurance program, we start by understanding your business goals and human capital strategy. Then, we align risk management, employee benefits and retirement strategies with your business objectives. 

Latest news & insights

Luxembourg recently passed reforms to the state pension system. Key changes include an increase in the total social security pension contribution rate from 24% to 25.5%, effective 1 January 2026, and a gradual increase in the minimum contribution period required for early retirement at age 60, from 480 to 488 months, between 1 July 2026 and 2030.Luxembourg reforms state pension system

5 Things to Watch in Food and Agriculture

Explore five forces reshaping food and agriculture — from production pressures to workforce shifts — and how businesses can navigate risk with clarity and confidence.Explore five forces reshaping food and agriculture — from production pressures to workforce shifts — and how businesses can navigate risk with clarity and confidence.

Medicare Part D creditable & non‑creditable coverage disclosure to CMS due March 2, 2026

Employers with group health plans that provide prescription drug coverage to Medicare‑eligible individuals must submit an annual disclosure to the Centers for Medicare & Medicaid Services (CMS) indicating whether their prescription drug coverage is creditable or non‑creditable. Employers with group health plans that provide prescription drug coverage to Medicare‑eligible individuals must submit an annual disclosure to the Centers for Medicare & Medicaid Services (CMS) indicating whether their prescription drug coverage is creditable or non‑creditable.

The United Kingdom introduces reforms for stronger employment rights [Updated]

The UK government recently published the Employment Rights Bill, which proposes several reforms, including granting certain employment rights from the first day of employment and making flexible working the default where feasible.The UK government recently published the Employment Rights Bill, which proposes several reforms, including granting certain employment rights from the first day of employment and making flexible working the default where feasible.
See all news and insights