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

Lockton People Solutions is excited to announce details of its 2026 Global Benefits Forum, an annual event series bringing together HR leaders from around the world to explore the forces reshaping employee benefits and workforce strategies for multinational employers. Lockton announces 2026 Global Benefits Forum series

Luxembourg reforms state pension system

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 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.

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.

Political Violence Market Update 2026

A softening market for Political Violence (PV) Insurance is a welcome sign for buyers, following a prolonged hard period. An influx of approximately £350m of new capacity via Lloyd’s syndicates and specialist underwriting agencies is driving competition, enabling brokers to market accounts more widely and deliver premium savings to clients.

But it's not all straightforward. While the years prior to 2022 saw a high volume of claims relating to civil unrest, the market has since been dominated by larger-scale incidents of political violence – forcing insurers to adapt their strategies. For buyers, this introduces complexity: S&T policies are now unlikely to offer indemnity against some of the most common threats of the last three-to-five years. This being the case, more buyers may gravitate towards the broader scope of Political Violence cover.A softening market for Political Violence (PV) Insurance is a welcome sign for buyers, following a prolonged hard period. An influx of approximately £350m of new capacity via Lloyd’s syndicates and specialist underwriting agencies is driving competition, enabling brokers to market accounts more widely and deliver premium savings to clients.

But it's not all straightforward. While the years prior to 2022 saw a high volume of claims relating to civil unrest, the market has since been dominated by larger-scale incidents of political violence – forcing insurers to adapt their strategies. For buyers, this introduces complexity: S&T policies are now unlikely to offer indemnity against some of the most common threats of the last three-to-five years. This being the case, more buyers may gravitate towards the broader scope of Political Violence cover.
See all news and insights