With a few famous international chains queuing up and mushrooming of shopping malls and multiplexes, it would be worthwhile to look into the variety of risks the industry may be exposed to. Several risks and compliance threats originate in politics, law, regulation or corporate governance.

Financial threat stems from volatility in markets and the real economy. The retail industry is also at risk due to the changing dynamics of the customers, competitors and investors. These can have a significant impact on the processes, systems, people and the overall value chain of the retail industry. The location of the retail store can impact its business. Employee relations, product recalls and supply chains also present challenges on a daily basis. While these strategic issues put the industry at risk, typical standard perils and accident scenarios cannot be ruled out.

Many warehouses  storing consumables , electronic goods, garments and other material suffered huge amount of loss during the Mumbai, Chennai and Bangalore floods (in 2005) . Water logging on streets following heavy rainfall is quite common in cities like Kolkata, Guwahati, Gurgaon, Delhi, Mumbai.  Subsequent entry of the same to the shops and warehouses can cause huge damage.

Optima Edge:

We understand that capturing an audience for your product is no easy task, particularly when there’s so much competition. Optima concentrates on managing your insurance risks, so you can focus on what your customers need and want.

We have developed specific retail industry insurance products that cover risks across the industry.


Amit Mishra
Phone : 011 - 40 50 51 52
Email : This e-mail address is being protected from spambots. You need JavaScript enabled to view it.

Basis of Indemnity and Sum insured for Electronic Equipment


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