Retail & e-commerce
Protecting your operations & customers
Retail businesses face a wide range of risks that extend from storefront to supply chain. Property damage, theft, customer injury, or a system outage can disrupt operations and quickly impact revenue. As e-commerce continues to grow, retailers must also consider data protection and online transaction risks.
At Fairpoint, we help brick-and-mortar and online retailers secure insurance programs that keep pace with modern retail operations. Whether you manage a single store or a national distribution network, we place coverage that safeguards your assets, employees, and customers.
Why it matters
Retailers operate in fast-moving environments with tight margins and constant customer interaction. Incidents such as a cyber attacks or supply chain issues can have outsized financial and reputational consequences. Managing these exposures requires coverage that combines property, liability, and digital risk protection under one coordinated approach.
Fairpoint works with insurers experienced in retail and consumer sectors, providing flexible programs that adapt to both physical and online business models.
Our approach
We work with retail owners and operators to understand your locations, sales channels, and supplier dependencies before structuring coverage.
Our process includes:
Reviewing leases, vendor agreements, and online operations
Assessment of your operations
Placing policies with markets who can support your growth
What coverage you need
Typical protection for retailers includes:
Property and Business Interruption for stores, inventory, and equipment
Cyber Liability for online transactions and data security
General Liability arising from product use
Crime and Employee Theft for cash and inventory losses