Retail insurance refers to package policies for UK shops and smaller service businesses—often combining property, liability, business interruption, money, and other covers—delivered through SME e‑trading platforms and regional brokers. Insurance professionals must balance simplicity and accessibility with adequate protection for a wide range of trades, adapting wordings and underwriting approaches as high‑street footfall, e‑commerce, cyber risk, and exposure to social and political events reshape the risk landscape.
Moody’s analysts warn growing exposure is creating new challenges for insurers
Softer premiums and sharper regulatory scrutiny are reshaping how customers view the sector
New York-based unit set to enhance access to domestic specialty risks
Analysts weigh early-share-price jitters against the longer-term upside for insurer distribution and cross-sell
Intermediaries drove 97% of individual income protection sales last year
