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

Update: On 21 November 2025, the Government of India announced the implementation of the four labor codes with effect from the same date. However, employers should note that the implementing regulations required to fully operationalize major provisions in the codes are still being finalized. The Government has indicated that draft rules will be published for stakeholder consultation. During this transition, existing labor laws and rules will continue to remain in force.India to implement major employment law reforms [Updated]

Turning the tide on social inflation and rising liability insurance costs

Social inflation is fueling escalating litigation costs and a surge in nuclear verdicts, which is reshaping the risk landscape for businesses across the U.S. Social inflation is fueling escalating litigation costs and a surge in nuclear verdicts, which is reshaping the risk landscape for businesses across the U.S.

High-cost claimant 2025 report: Where health claims are accelerating for employer plans

Employer health plans face rising volatility and million-dollar claims.  Lockton’s High-Cost Claimant 2025 Report analyzes high-cost claims and shares key strategies for proactive prevention and risk mitigation.Employer health plans face rising volatility and million-dollar claims.  Lockton’s High-Cost Claimant 2025 Report analyzes high-cost claims and shares key strategies for proactive prevention and risk mitigation.

Upcoming key compliance deadlines and reminders for first quarter 2026

As the new year approaches, employers can expect to face a busy start to 2026 filled with important compliance deadlines and regulatory requirements. This alert highlights the most important federal, state, and local deadlines for the first quarter of 2026, helping plan sponsors and HR teams proactively manage their responsibilities and avoid costly oversights.As the new year approaches, employers can expect to face a busy start to 2026 filled with important compliance deadlines and regulatory requirements. This alert highlights the most important federal, state, and local deadlines for the first quarter of 2026, helping plan sponsors and HR teams proactively manage their responsibilities and avoid costly oversights.
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