Fire
Fire remains one of the most significant threats to retail, from storage facilities to sales floors. Close attention to sprinkler systems, maintenance, contractor management, and hazardous goods is critical to limiting loss.
Retail
Why FM?
Protecting retail operations from disruption
In retail, every day of downtime means lost revenue, market share, and customer trust. With decades of experience protecting department stores, malls, and distribution centers, FM understands the risks retailers face — and provides the property loss prevention solutions needed to keep doors open and products moving.
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Water
Water damage, from plumbing failures to flooding, can compromise inventory, disrupt operations, and displace customers. Proactive prevention helps reduce costly downtime.
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Wind / Hail
Severe weather events can damage roofs, signage, and storefronts, creating operational and safety risks. Strengthened structures and emergency response planning help retailers stay resilient.
Our expertise
Built for retail resilience
We help retailers safeguard both physical property and supply chain operations, offering continuity solutions that protect inventory, facilities, and customer access. From storefronts to distribution centers, our focus is keeping retailers operational and resilient in the face of disruption.
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A partner in the retail industry
Our commitment goes beyond policies. It’s about lasting relationships and proven expertise.
- Engineering services provided to 4,400+ retail locations.
- Plan review for new stores, buildouts, and distribution centers.
- Specialized hazard evaluations and fire protection expertise.
- Average client tenure: 20 years; longest relationship: 85 years.
what we offer
Trusted retail protection
For decades, FM has helped retail clients strengthen supply chain resilience, safeguard property, and recover quickly after loss events. By combining science-based prevention, specialized coverage, and unmatched claims service, we provide the stability retailers need to succeed in a competitive market.
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Customized coverage for retail
Our tailored coverage helps protect merchandise, reduce downtime, and keep stores running smoothly.
- Protection for inventory from damage, spoilage, or recalls.
- Business interruption support for supply chain or location closures.
- Coverage for incidents impacting staff, shoppers, or operations.
- Financial support for restocking, relocation, and recovery.
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Keeping retailers operational
Our policy advantages provide flexibility and broad protection:
- Supply chain time element coverage.
- Crisis management and communicable disease business interruption.
- Attraction property and consequential reduction in value.
- Built-in builders risk and logistics extra cost coverage.
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Comprehensive claims support
When an incident occurs, timely and consistent claims handling is critical to minimizing disruption.
- In-house loss adjusters with settlement authority.
- Timely and uniform global loss adjustment.
- Dedicated catastrophe response teams.
- Pre-loss workshops and coverage reviews.
Get in touch
Connect with us to learn how we can partner together.