Retail is a rapidly changing and evolving industry that is being dramatically affected by greater overseas sourcing from countries such as China, improved technology and the growth of online, supermarket and discount stores. Retail profits are being squeezed as labour costs get higher and profit margins slimmer.

If the business is interrupted for any reason, getting profits back on track is hard enough. But if the premises is damaged, e.g. by fire or storm, an insurance policy against loss of profits for a specified period will help to rebuild the business and retain or regain customers. Our Ausure Advisers understand retail and will help you consider all the things that might affect your business operations – even liability arising from your products including your obligation to recall them if they are likely to endanger your customers.