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

As geopolitical conflict escalates, our recent webinar breaks down what wartime cyber activity really looks like, and what organizations should be doing now to stay resilient.Webinar | Cyber Risk in Wartime: What Leaders Need to Know Now

FTC settlement with Express Scripts signals major shift in PBM pricing

The Federal Trade Commission’s recent settlement with Express Scripts (ESI) marks one of the most significant regulatory interventions in the pharmacy benefit manager (PBM) space in years. For employers, the agreement may signal a broader shift in the industry toward true net-cost drug pricing models, with potential implications for pharmacy benefit design, budgeting, and future PBM contracting. The Federal Trade Commission’s recent settlement with Express Scripts (ESI) marks one of the most significant regulatory interventions in the pharmacy benefit manager (PBM) space in years. For employers, the agreement may signal a broader shift in the industry toward true net-cost drug pricing models, with potential implications for pharmacy benefit design, budgeting, and future PBM contracting.

First quarter state law overview: Continued litigation, enforcement activity and other updates

This state law update highlights key legal and regulatory developments affecting employee benefits and healthcare access. 
During the first quarter of the year, regulators and enforcement authorities continued to shape the benefits landscape primarily through ongoing litigation and targeted regulatory actions rather than new, sweeping legislation. This state law update highlights key legal and regulatory developments affecting employee benefits and healthcare access. 
During the first quarter of the year, regulators and enforcement authorities continued to shape the benefits landscape primarily through ongoing litigation and targeted regulatory actions rather than new, sweeping legislation.

Upcoming key compliance deadlines & reminders for second quarter 2026

The second quarter of 2026 brings a few employee benefits compliance deadlines that plan sponsors should note and prepare for in advance. This alert highlights key filing, notice, contribution, and reporting obligations commonly applicable during the April-June timeframe, including ERISA plan filings, health plan reporting, and HSA-related actions.The second quarter of 2026 brings a few employee benefits compliance deadlines that plan sponsors should note and prepare for in advance. This alert highlights key filing, notice, contribution, and reporting obligations commonly applicable during the April-June timeframe, including ERISA plan filings, health plan reporting, and HSA-related actions.
See all news and insights