Insurance Solutions for Offices, Retailers and E-Commerce Businesses
Helping protect your people, premises, stock and digital operations
Overview
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How We Can Help
Brown & Brown offers tailored insurance broking for businesses operating in office environments, retail units, and online. We begin by understanding the nature of your business – your premises, staff, inventory, systems and customer interactions.
Whether you operate from a shared office, city shopfront or fulfilment centre, Brown & Brown supports your growth with ongoing risk advice, policy reviews and hands-on claims support. As your business evolves – scaling up, hiring staff or expanding platforms – we’ll help you to evolve your insurance too.
For offices, we can help arrange cover for fixtures and fittings, portable equipment, employer’s liability, and professional indemnity. If you provide consultancy or handle sensitive data, we’ll also explore cyber insurance and data breach response cover.
For retail businesses, we arrange protection for stock (including seasonal fluctuations), contents, business interruption and public liability. We also assist with cover for glass frontage, money handling, and staff dishonesty. Multi-site and franchise operators benefit from consolidated policies that can flex as your store footprint grows.
E-commerce businesses face a different risk profile – especially when handling payments, shipping products and marketing online. We help arrange cover for goods in transit, online platform interruptions, cyber liability, and global product liability – especially important for businesses importing or exporting.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Retail and Office Knowledge
Adaptable to Growth
Digital Risk Support
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Your Questions, Answered
At a minimum, you may need public liability (for client visits), employer’s liability (if you have staff), and contents insurance (for computers and equipment). If you provide services or advice, professional indemnity and cyber cover may also be relevant. We help build a package to match your operations.
Retail insurance is tailored to the needs of shops and physical trading spaces. It often includes stock cover, business interruption, public liability, and protection for storefronts. It may also include seasonal stock increases and cash handling. Brown & Brown helps ensure cover is appropriate to your retail model.
E-commerce insurance can include cover for online trading disruption, cyber breaches, product liability and goods in transit. If your site or payment system is attacked, insurance may cover income loss and remediation. We also advise on platform-specific requirements for third-party marketplaces like Amazon or Etsy.
Yes. Many small businesses store stock in home offices, warehouses or third-party storage. We help arrange cover for goods stored at various sites or in transit. Whether you’re fulfilling orders yourself or using a drop shipping model, we’ll find a policy that reflects your distribution setup.
Product recall exposure arises when a defective or unsafe product needs to be withdrawn from the market. This can be costly due to replacement, repair, or legal costs, and can damage your reputation. Having the right insurance helps cover these expenses and supports a swift, compliant response to protect both your customers and your business.