Protection in just the right size and t

Oval Retail
Insight. Service. Performance.

Specialist risk and insurance solutions for the retail sector

Retail has many moving parts that span people, product and places across every aspect of supply and fullment at home and abroad. With such intricacy comes risk: when it comes to managing that risk, its good to know you can rely on an insurance broker who speaks your language and understands the unique pressures you face.
Retailing remains unpredictable and trading conditions demanding. With forecast real terms growth of 0.3 per cent in 2013 - rising to between 1.2 and 1.4 per cent in 20141 - downward pressure on margins and likely rises in operating costs and the cost of credit means your sector faces a tough, long term battle to maintain the momentum that drives revenues, protability and market share. Thats only half the story on the other side of the checkout, a combination of debt, ination, house prices, eventual interest rate rises and job security factors pose a very real threat to your lifeblood consumer spending. Its already high stakes business and one that is also being regularly reinvented by the furious pace of change in mobile, internet and eCommerce technologies. Surrounded by such a kaleidoscope of pressure, threat and opportunity, you need to know that your insurance portfolio is integrated, personalised and delivers the high performance and cost-effective protection you seek. Oval Insurance Broking (Oval) is one of the UKs leading insurance brokers, with clients ranging from single stores to large complex international organisations. This helps us deliver the insight, empathy and innovation that ensure your insurance portfolio is uncomplicated, competitive, efcient and cost effective. We also provide you with on-tap expertise from people who take the time to understand your business and your processes at the in-depth level of detail you expect. We understand the importance of controlling premium uctuations that can seriously undermine your cash position. Thats why we go further to tailor specialised risk and insurance solutions that t your business consistently. Value and performance plus a core focus on service and relationship development underpin all that we do. We work with some of the leading specialist underwriters to offer bespoke retail insurance policies that close the gaps and anticipate emerging risks.

Welcome to Oval Retail: risk is our business

A top UK insurance broker, we have the practical and intellectual expertise that has made us the insurance broker of choice for many retailers. This enables us to design and deliver retail-specic risk and insurance solutions that identify your liabilities, cut costs, quantify risk and mitigate losses across the following operational areas:  Price sensitivity: we know how reactive retailing is to premium changes; thats why we go further to design cost predictability into your insurance programme  Health & Safety: across your shops, warehouses and ofces, protecting your customers and your people, particularly in an industry with a high proportion of temporary and lower-paid workers  Supply chain: well help protect the integrity of your supply chain, contracts, assets and business continuity  Brand: bigger brands can be a magnet for spurious claimants: thats why you can rely on the efcacy of our claims management  Seasonality: managing people and stock against seasonal demand is tough; thats why we design insurance programmes to suit your cash ow  Shop frontage and property: we can advise on physical protections for your stores portfolio and benchmark property insurance costs to assist in your lease negotiations  Franchising: we are specialists in retail franchisee insurance from the smallest to the largest franchisee groups in the UK  eCommerce: with a whole new digital world of risk, we have the intelligent insurance solutions that protect your eBusiness  Cash handling: cash comes with its own unique set of risks; well help you protect yours however it moves through your organisation

Centre for Retail Research, Retail Forecast for 2013-14, January 2013

Intelligent insurance solutions with the right detail for retail

Youll nd all the specialist risk management solutions and services you need to help keep your business t for the future under one roof. Our approach is geared around a strong service ethic and focused on the key risk management values that the retail sector demands.  A safe pair of hands: a broker you can trust, backed by experience, commitment to the sector and a proven track record  Innovation that drives value for money: working with some of the leading specialist retail insurers, we proactively develop bespoke covers and policies that address the emerging risks you face  Fast, expert problem solving: were proud of our reputation and we are committed to providing quick responses that make the most of our wider commercial risk and insurance expertise  Value for money culture: we never go through the motions when it comes to policy specication or renewal; we take pride in our ability to challenge limits and improve terms, costs and protection on your behalf  Dedicated claims management: we understand the importance of fast and efcient settlement. We dont disappoint its as simple as that  Risk management that drives best practice: providing practical in-store guidance to help communicate good risk management practices throughout your business.  Added value services: we work with insurers and carefully selected partners to offer added value, such as a free insurance valuation healthcheck

Insight. Service. Performance.

Oval has a depth of experience in providing innovative risk and insurance advice to the UK retail sector. Our work in driving best practice and consistently seeking innovative and helpful solutions is recognised by retailers who are looking for practical and added value. Above all, we invest in our people. We have drawn together experienced, high calibre professionals who blend the advisory, administration, technical and listening skills essential to delivering the exceptional levels of insight, service, continuity, agility and pitch-perfect performance you demand. Importantly, we keep workloads manageable so our people have the time and scope to stay close to your needs, develop the relationships and deliver the high service standards and innovation you expect.

www.theovalgroup.com

About Oval Insurance Broking

With ofces across the UK, Oval Insurance Broking (Oval) is the specialist insurance and advisory partner of choice for thousands of organisations and individuals across a range of disciplines and industry sectors. From general insurance to sector-specic requirements, the strength of Oval lies in designing bespoke, dynamic and competitive risk solutions that t your needs. Our insurance and risk specialists take the time to understand those needs, simplifying risk to deliver a consistently innovative, high standard and high performance service that adds value, capability, agility and a competitive edge to your business. For more information, visit us at www.theovalgroup.com

Would you like to talk?

If you have any questions or would like to explore how you can make your insurance work harder for your organisation, were here to help. Call: 0800

612 6223

Or email: ib-enquiries@theovalgroup.com

Oval Insurance Broking Limited Registered Ofce: 9 South Parade, Wakeeld, WF1 1LR Registered in England No: 01195184 Authorised and regulated by the Financial Conduct Authority.

www.theovalgroup.com

Insight. Service. Performance.