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Distribution and retail insurance
A network of stores, warehouses and logistics hubs spreads the risk, but also multiplies it: many locations, a lot of stock and a lot of customers every day.
Activities we advise on
Oller Brokers has been an insurance broker since 1952. It advises distribution and retail companies on the design, placement and review of their insurance programmes, with access to more than 70 insurers.
We advise chains and distributors with multiple sites. We bring all locations together in a single programme and review it as a whole, or a specific policy, to improve terms.
- Distribution groupsGroups with several banners, logistics hubs and a presence in other countries.
- Supermarkets, hypermarkets and chainsSupermarkets, hypermarkets, specialist chains, franchises, etc.
- Wholesale distributionWholesalers, cash & carry, importers, distributors with their own warehouses, etc.
- Fashion brands and retailFashion, footwear and accessories with own stores and online sales.
Risks and cover
Choose a risk to see which insurance covers it in the programme of a company in the sector.
Risk
Damage across the store network
Fire, water or theft at stores, warehouses and logistics hubs.
How it is covered
Risk
Business interruption
A loss at a logistics hub can leave many stores without supply.
How it is covered
Risk
Customers in stores
Slips, falls and injuries to customers on the premises.
How it is covered
Risk
Goods
Imports and distribution between warehouses and stores.
How it is covered
Risk
Non-payment
Credit sales to trade customers.
How it is covered
Risk
Cyber attacks
Online sales, payment systems and customer data.
How it is covered
Insurance they typically need
Every company is different. These are the policies that carry most weight in the programme of a company in the sector.
- All risks property damageBuildings, machinery and stock against any damage not excluded.
- Business interruptionYour margin and fixed costs while operations are halted by a loss.
- General and product liabilityDamage to third parties caused by the business activity or by its products.
- Goods in transitDamage to or loss of goods during transport.
- Trade credit insuranceCustomer non-payment due to insolvency.
- Cyber insuranceIncident response, business interruption and data-related claims.
- Product contamination and recallCosts of withdrawing a batch from the market and resulting losses.
- FleetsCompany vehicles, on fleet terms.
- International programmesCoordinated cover for subsidiaries and activities in other countries.
Two ways to get started
Full programme review
We analyse all your policies together: duplicated cover, gaps, sums insured, deductibles and exclusions. We then present alternatives from different insurers.
Review of a specific policy
A renewal with a premium increase, a contract requiring new cover or a poorly resolved claim. We examine that policy and look for better terms.
Large risk programmes
A medium-sized or large company does not need a stand-alone policy, but someone to design, place and defend a complete programme. That is what we have been doing since 1952. See more
- Risk analysisWe study the business's activities, facilities, contracts and claims history. Working with specialist firms, we also offer a risk management service.
- Properly valued sums insuredWe review insured values and business interruption so that a claim payment is not reduced due to underinsurance.
- Access to the whole marketMore than 70 Spanish and international insurers, underwriting agencies and Lloyd's through coverholders.
- Co-insurance and excess layersWhen a risk exceeds one insurer's capacity, we spread it through co-insurance and structure it in as many excess layers as needed.
- International programmesFor groups with subsidiaries outside Spain, we coordinate international programmes that comply with each country's regulations.
- In-house claims teamSupports the business from notification through to settlement and defends its position with the insurer.
Frequently asked questions
Can I insure all my stores under a single policy?
Yes. A single programme covering every location simplifies administration and allows better terms to be negotiated than with separate policies.
What does business interruption cover if a store closes?
The lost margin and the fixed costs that keep running while the premises are closed due to an insured loss.
Does a retail chain need cyber insurance?
If it sells online, takes card payments or stores customer data, the risk is there. Cyber insurance covers incident response, business interruption and claims.
Other sectors
Can't see your sector? We work with businesses in every field.
Let's talk about your business
We review your insurance programme, or the policy you're concerned about, with no obligation.