Due to the complex risks faced by businesses in the retail sector, securing comprehensive insurance can be challenging. That is where Specialist Risk can help. Our expert team combine over 30 years of experience in crafting bespoke insurance programmes for all types and sizes of retail businesses.

As a specialist retail insurance broker, we fully consider emerging risks such as terrorism. Covers such as Non-Damage Business Interruption and Loss of Attraction are vital to protect your brand and any monetary losses suffered due to terrorism.

Furthermore, we factor in other external risks such as increased competition, potential economic shutdowns and the ever-evolving regulatory landscape. Although it can be tempting to purchase standard commercial insurance, you could be exposing your business to losses during an unexpected event that leads to making a claim.



We specialise in the retail industry, with over 30 years of experience in working with retail businesses

Whether you trade online or on the high street, we can secure the right cover for your business

Our approach is wide ranging, we look at standard liability covers to new emerging covers such as Cyber and Terrorism

Our internal claims process helps you get back to business as usual promptly in the event of a claim

Our knowledge and expertise can save you time and effort when it comes to insuring your business as we already understand the nuances in the retail sector.

Protecting your business involves more than just purchasing insurance. We understand the importance of ongoing risk management advice and that’s why we work closely with you during your insured period, to identify any current or emerging risks that your business is exposed to. We then provide exceptional advice on how to mitigate and reduce these risks, reducing the potential need to make a claim.

Whilst you continue to focus on the day-to-day running of your business, we are here to take care of all your insurance and risk management needs.


We can arrange insurance for all types of businesses in the retail sector. Some of our clients include:

  • Department stores
  • Online retailers
  • Nationwide retailers
  • Discount stores
  • High-street retailers
  • Convenience stores


Our approach to arranging insurance is tailored to each retail business that we work with, ensuring you have the most appropriate cover in place. Typical covers we consider for these areas include:

Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
Contents and Stock covers the cost of replacing stock, equipment and other goods following an incident…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
Cyber Insurance offers comprehensive cover and if required, helps deal with reputation management…
Directors’ and Officers’ provides financial protection for the potential defence and damage costs for the leaders…
Employers’ Liability, Public Liability and Product Liability are key to protect your business against the diverse…
Legal Expenses protects you and your business by covering the cost of taking or defencing legal action should the need…
Our combined Material Damage and Business Interruption cover provides businesses with full protection…
Motor Fleet protects the fleet of vehicles that your business operates under one insurance policy…
Terrorism cover protects a business and its ability to continue trading following a terrorism incident…


We were first introduced to Miles Smith in 2014 by our financiers. Miles Smith, now known as Specialist Risk Insurance Solutions,  were able to demonstrate that they could streamline our Insurances and in so doing, reduce our premiums considerably. We therefore transferred to them mid-term and immediate savings were negotiated with the holdings Insurers. Improvements in cover were also added immediately, including a contract works limit to allow us to refurb stores up to an agreed limit, without having to refer back to Insurers.

Read the Whole Case Study

"We have dedicated loss adjusters and risk engineers/surveyors who are available to us 24/7 and, in case of Employers' Liability claims, there is an early dialogue to agree the best course of action in respect of defensibility or, in some cases, an agreement to the Liability claim."

Belfield Group

Group Finance Director


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020 7977 4800

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Where is Specialist Risk Insurance Solutions located?

Our head office is in the City of London, the address is:

One America Square, 17 Crosswall, London, EC3N 2LB. We also have offices in Croydon and Ampthill, Bedfordshire however we are currently working remotely due to COVID-19.

Does my trade fall within Specialist Risk’s appetite?

We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.

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