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Commerce de détail et vente en gros

Les détaillants et les grossistes ayant des activités de vente au détail sont confrontés à un paysage des risques en constante évolution, qui s'accélère en raison des mises en œuvre technologiques et des demandes des clients. Face à de nouveaux besoins en conseils en matière de risques et de solutions de transfert innovantes, les entreprises peuvent compter sur les spécialistes internationaux expérimentés de Marsh.
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Le secteur du commerce de détail était déjà confronté à des changements généralisés avant la pandémie de COVID-19, avec une évolution vers les achats en ligne et la livraison rapide. Le rythme du changement s'est accéléré pendant la pandémie, avec des restrictions gouvernementales sur la vente en magasin. Les clients préfèrent également les livraisons sécurisées sans contact et apprécient disposer d'options de retour.

Bien que les achats en ligne ne soient en aucun cas un phénomène nouveau, l'augmentation de la demande pendant la pandémie a créé des défis imprévus pour les détaillants et les grossistes qui opèrent dans le secteur de la vente au détail. Les opérations commerciales sont tendues à l'extrême, car les détaillants et les grossistes essaient de s'adapter et de gérer un ensemble de risques de plus en plus complexes, de la cybersécurité aux perturbations de la chaîne d'approvisionnement.

Les spécialistes expérimentés du service Retail & Wholesale Practice de Marsh peuvent aider votre entreprise à anticiper les besoins émergents en matière de gestion des risques et à mettre en œuvre des stratégies pour garantir la stabilité et la rentabilité dans une période d'incertitude.

Informations connexes

FAQs

Retailers are facing a more complex set of risks than ever before, as societies reopen to in-person shopping while the demand for online retail still remains strong.

As COVID-19 is still present on a global scale, businesses must contend with risks related to the return to in-person shopping experiences, including customer and staff safety, as well as profitability in light of increased utilization of online shopping.

Some of the risks related to online shopping, such as cybersecurity, were present prior to the pandemic. However, others, like supply chain disruptions, have become much more of an issue as a result of complications related to shipping and logistics, including delays getting merchandise across international borders.

At a bare minimum, retailers should have general liability coverage to protect against claims of customer harm. Beyond this, retailers should consider a business owner’s policy, which covers your storefront, commercial buildings, and any personal property that might be in these locations. Any retailer with employees other than the owner is generally also required to have some form of workers’ compensation insurance, although this may vary by country. Finally, if your business is also involved in transporting merchandise or making deliveries, it is important to have commercial auto insurance to protect against accident claims.

Any time business is conducted at scale, there is an opportunity for great profit, but also for tremendous loss. Wholesalers face a unique set of risks as part of their daily operations. First and foremost is a loss of merchandise, whether due to theft or disaster. Next, there is the inability to obtain supply, which can effectively disrupt business. Wholesalers may also become involved in product liability claims, as they were part of either manufacturing or distribution. Finally, other legal action may be pursued against wholesalers for a number of reasons, from non-delivery of merchandise to regulatory compliance penalties.

First, it is important for wholesalers to consider general liability insurance, similar to retail operations. This protects companies against claims of injury or other harm to customers as well as the general public. Other insurance policies to consider include workers’ compensation, if required in a specific region, as well as transportation-related coverage, such as commercial auto insurance, if applicable. Should a wholesaler be responsible for shipping internationally, it is usually valuable to have expanded coverage for loss and liability of merchandise in transit, including protection against damage made to a shipping vessel or other form of transportation by the merchandise itself.

Marsh Morocco S.A. au capital de 1 500 000 DHS - Intermédiaire d'assurance régi par la Loi N°17-99 portant code des assurances. Autorisation du Ministère des Finances N° C1430CD2023138 du 21 février 2023