The Worldwide Retail Environment

Retail is one of the world's largest industries, and competition across the globe is intensifying. In addition to the global economic downturn, today's retailers and wholesalers face a wide range of challenges, including industry consolidation, employee attraction and retention, and business continuity. Additionally, the constantly escalating pressure from consumers and competitors on the price-to-value equation makes success more challenging than ever. These trends create a host of risks; strategic, financial, operational, and other new claims types that can prove costly. As the industry becomes increasingly global and consolidated, the risks and claims become bigger and more complex.

Crawford provides the depth and experience needed to solve the unique risks facing the retail industry in the rapidly changing global economy. We partner with our retail clients, their brokers, insurers and re-insurers to fully understand the complexity of their claims and to assist with every facet of loss management and claims administration. Our service includes procuring subject matter experts, assessing and administering claims, marshalling resources to work through an adjustment process, mediation, arbitration and litigation, and managing the loss to completion.

Key Areas of Claim and Loss Exposure

A crisis, whether at a store, a distribution center, or company headquarters can lead to serious injuries, disruption of the flow of goods, and consequent loss of business. Information and network exposures bring new legal uncertainties and complex risks. Crawford is experienced in integrating the myriad specialties of IT, telecom, retail, and real estate to develop a comprehensive assessment of the claim and offer our clients a well-reasoned and responsible path to closure.


Retailers often operate stores in locations that are vulnerable to natural hazards. Substantial assets, especially at distribution centers and multiple operating locations, create greater potential for risk exposure. The Crawford Retail group focuses our experience across the entire range of property and casualty claims to enable us to provide top-tier advice and counsel.

Supply Chain and Inventory; Construction and Infrastructure

Retailers are sourcing and moving goods to points of sale with more speed and efficiency, while globalization and regulatory requirements have increased the complexity of managing those supply chains. Crawford Retail experts work seamlessly with our Technology and Transportation groups to provide a team approach to help retailers better manage these risks, with specialized teams dedicated to issues of import safety and product contamination.  As retailers expand, large-scale construction risks become part of the equation. Crawford experts in our Retail industry group partner with the colleagues in our Building and Construction group to provide 360-degree visibility to all claims in this area.

Claims and Loss Concern for Retailers include but are not limited to:

  • Brand protection issues
  • Comprehensive general liability
  • Consumer privacy, data protection, and cyber liability
  • Employment practices and liability
  • First-party property and contingent business interruption
  • Intellectual property and advertising liability
  • Product liability, recall, and product contamination

The Crawford Retail industry group is unmatched for its talent and global footprint. Our technical adjusters respond comprehensively to large-scale, complex, and immediate retail challenges by working in multi-disciplinary teams across a worldwide network of locations.

Crawford provides a variety of services with experts in the Retail industry. For more information, contact a Crawford GTS adjuster directly by visiting and selecting CV Search.