Insurance Industry Expertise

Retail

From large department stores to specialty retailers, our retail clients benefit from our specialists who are experienced in providing the best risk management solutions for each unique situation. Today the retail industry faces greater, more diverse challenges than ever before. Property, technology, worldwide shipments, employees and customers are just some of the aspects that need to be considered for a comprehensive insurance program.

You will benefit from our depth of understanding of your business as well as our specific market expertise which allows us to help you plan for potential losses and liabilities. In addition, our loss control experts and claims consultants will guide you through the complex landscape of mitigating risk throughout your company’s operations.

Our Industry Focus Includes the Following:

Allocation modeling
Assistance with building and employee security issues
Business interruption analysis
Cash handling exposure analysis
Design of customized safety audit templates
Disaster recovery planning

Services & Products for the Retail industry include:

Workers’ Compensation
Professional Liability
General Liability
Auto Liability
Property

IOA’ s “Total Cost of Risk” Service
IOA has established what we call the “Total Cost of Risk Service Program” to ensure that all client service needs are identified and met. Superior service requires planning, organization and continuous monitoring. IOA’s “Total Cost of Risk Service Program” enables us to provide an unmatched level of service.
Our Goals

Understand your concerns and work with you to establish objectives.
Provide you with cost effective solutions for your insurance and risk management needs.
Act as a resource, supplement or function as your in-house Risk Management Department.
Anticipate needs and create solutions.
Be accountable for our goals.