Wholesale and Retail

Our Wholesale and Retail proposition comprises a range of comprehensive cover extensions and services tailored to the typical insurance needs of clients in this sector with a combined property and casualty premium of £5,000 - £100,000.

Features of Wholesale and Retail

  • A broad and flexible range of cover suitable for wholesale and retail trades
  • Automatic cover extensions – trade specific cover extensions are applied by endorsement at no extra cost
  • Computer wording available for the loss, damage or breakdown of equipment with optional covers for events such as data corruption as a result of a cyber attack
  • FREE Disaster Recovery Protection – help your wholesale and retail clients get back up and running in the event of an incident leaving their insured premises unfit for further occupation
  • Introdcution to additional covers available within the Allianz Group, such as Directors & Officers Liability, Marine Cargo and Freight Liability, Cyber Protect, Trade Credit and more.

Risk Appetite

Preferred Trades

  • Mineral Water and Soft Drinks
  • Wine, Spirits and Beer
  • Coffee and Tea
  • Electrical Goods
  • Bottles and Glass
  • Ceramic and China
  • Stationery and Books
  • Confectionary and Newsagents*
  • Bakeries*
  • DIY
  • Department Stores*
  • Supermarkets*

* Retail only


  • Experienced local underwriters
  • Efficient and experienced claims service and access to our claims helpline available 24 hours a day, 7 days a week
  • For clients with Allianz Legal Expenses cover in place, free or discounted legal and tax advice in relation to their business via a range of online and telephone services
  • Commercial engineering cover and energy inspection services can be provided by Allianz Engineering.

Risk Management

FREE guidance via our Allianz risk management website, featuring:

  • Sector-specific risk management advice
  • Business impact assessment tool
  • Specially negotiated rates from our preferred suppliers providing access to risk management products and services, such as:

- Praxis 42 – health and safety advice

- SESS - racking and shelving safety inspection services

- Glen Abbot – supply chain risk assessments

- Hilti – passive fire protection

- SWS UK – physical security solutions

Engineering Inspection Services

Via Allianz Engineering we offer a wide range of plant and machinery inspection services, including:

  • Electrical and mechanical inspections
  • Lift and crane inspections
  • Pressure plant inspections.

In addition, Allianz Engineering's Special Services Team can arrange one-off inspections coupled with bespoke consultation in the fields of:

  • Electrical Services, such as fixed wiring inspections and Portable Appliance Testing (PAT)
  • Energy Services.

Documentation for Wholesale and Retail

To download copies of our Wholesale and Retail policy documents, please click the links below:


When your client makes a claim, they need an insurance provider that understands their loss and will be there at the crucial moments, providing them with the necessary help to get them trading again as quickly as possible.

We'll provide your client with:

  • A dedicated claims handler
  • Out of hours helpline
  • Claims analysis
  • Fraud prevention
  • Expert legal advice.

In addition, we have specialist claims teams to manage certain losses:

  • Dedicated risk experts specialising in property and liability claims
  • Major Loss Team
  • Disease Team
  • Engineering Team
  • Rehabilitation Team
  • Allianz Claims Inspectors.

For more detail on our claims service, please refer to the product documentation.

Follow the links below to find claims contact information:

If you'd like further information on this product, or have a question regarding our services, please contact your local Allianz Commercial branch.

Risk Director

If you have a query regarding Risk Director, please complete the 'Contact Us' form found on the website.