Supermarkets, Convenience Stores, and Drug Stores

The risk landscape for supermarkets, convenience stores, and drug stores is rapidly evolving. And consumer preferences for food, drugs, and other household goods are changing. Marsh's risk specialists can help you better manage risks, preserve capital, and sustain growth plans.

Supermarkets, convenience stores, and drug stores operate in a difficult and rapidly evolving environment. These vital community businesses face a complex set of risks, including competition from traditional and non-traditional sources, supply chain challenges, and changing consumer preferences.

Customers are seeking more product options — including prepared, “grab and go” foods — and more information about the sourcing and quality of food products. And demand for new online ordering and delivery channels, such as curbside pickup and home delivery, is here to stay. Meeting customer demands may require expanding e-commerce capabilities, leveraging technology for efficiency gains, and building supply chain resiliency.

Increased use of technology and online ordering, however, also raises cyber risks. And the growing complexity of supply chains for food, pharmaceuticals, and other household goods makes them vulnerable to disruption from severe weather, foodborne illness, civil commotion, and workplace violence, among many other risks.

Resilience and risk management are critical for managing businesses like yours. Marsh's team of risk specialists has extensive experience and sophisticated tools to help you mitigate exposures and improve resilience, allowing you to focus on continuing to serve your communities.

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Strengthening retail, food, and beverage companies

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Retail stores that sell food, drugs, and other household goods have some of the most complex risk profiles of any business. The largest and most pervasive risks include:

  • Cyber: More stores are engaged in e-commerce as consumers express preferences for online ordering. Adding technology and data streams increases the risk of cyberattacks, breaches, and shutdowns.
  • Business interruption: Supply chains for supermarkets, convenience stores, and drug stores can be highly complicated and exposed to disruption from multiple sources.
  • People risks: Injuries and illnesses involving employees, customers, and others who enter your stores, including suppliers and contractors, can account for significant direct and indirect financial losses. From workers' compensation to third-party slip-and-fall claims, to wage-and-hour lawsuits, to incidents of foodborne illness, to workplace violence, stores face numerous liability exposures.
  • Product contamination/product liability: If a product causes harm to customers, such as a foodborne illness or other bodily injury, your organization can suffer significant financial and reputational damage. Businesses should implement proactive risk management and transfer strategies to mitigate these risks.
  • Property damage: Fire, flood, windstorm, and other risks to your store locations can cause significant losses.
  • Competition: In the crowded retail sector, there is increased pressure on margins, employee retention, and product and service offerings. Careful management of operational and people risks is critical to sustain competitiveness and remain resilient.

From slip-and-fall claims involving customers, to repetitive strain injuries afflicting employees, to lawsuits alleging corporate negligence and wrongful employment practices, people risks represent big exposures for retail stores.

Creating safe environments for employees and customers should be a primary responsibility. Supermarkets, convenience stores, and drug stores can also address people risks by:

  • Focusing on mitigating foodborne illness and product tampering.
  • Optimizing workforce compensation, employee benefits, and a workplace safety culture.
  • Effectively managing compliance with applicable federal, state, and local regulations regarding civil rights, disability, healthcare, and labor practices.
  • Protecting directors and officers from liability claims.

Each supermarket, convenience store, or drug store has specific risks and exposures relating to its physical location, workforce, and product and service offerings. Our risk specialists can help you identify, analyze, mitigate, and transfer risks to protect your people and capital and reduce volatility.

We will help you build an effective insurance program for your needs. Coverages that may help you mitigate and transfer your risks include:

  • Cyber insurance
  • Casualty insurance
  • Foodborne illness and liability insurance
  • Property insurance
  • Employment practices liability insurance

Marsh’s risk specialists are committed to assisting you in understanding and reducing your risks, helping you become more resilient, and allowing you more time to focus on the communities you serve.

Our people

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Mac Nadel

Retail/Wholesale, Food & Beverage Industry Leader