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A combination of business insights and industry-leading analytics technology yields a comprehensive view of risks — and a total solution to manage them.

Risk advisor to over half of the top 50 retailers including 9 of the top 10 as ranked by the National Retail Federation

The US retail, wholesale, food and beverage industry is in a period of dramatic disruption.

In the retail space, companies are positioning or reinventing themselves to meet the needs and wants of the “empowered” consumer. As companies re-think their physical presence and respond to increasing e-commerce sales, jobs are being shifted or lost altogether. Supply chains are being stretched. Network interruptions have serious operational and financial consequences.  

A similar experience is occurring in the restaurant industry as customers increase their demand for quick and convenient food delivery services, “clean” ingredients and the use of technology and AI throughout their operations.

 As the food and beverage industry becomes increasingly competitive, companies are becoming more dynamic to align their business models with a more sophisticated customer base. These changes include incorporating global supply chains and investing in technology including block chain, autonomous trucks, and more. 

These new ways of thinking and approach to business will have significant benefits for the Retail/Wholesale, Food & Beverage industries but also come with significant risk, including:

Cyber exposure, employee and customer injury, disruptive natural and man-made events, employment practice liabilities,  product contamination, and meeting a myriad of legislative and regulatory demands

Marsh’s Retail/Wholesale, Food & Beverage Practice provides the deep expertise needed to manage today’s risks and identify those that are on the horizon.

Using industry-leading analytics and benchmarking tools that give your senior leaders a holistic view of risk, our risk practice and consulting teams can help you move beyond simply managing risk to unlocking opportunity.

The result? A risk management program that helps you reduce total cost of risk, better allocate capital, protect your balance sheet, and improve overall profitability.


Customers today demand the “four C’s” – Convenience, Choice, Cost and Community. As customers shop more online, retailers must reexamine business models, optimize supply chains, and create opportunities for positive engagement with their customers. Leveraging technology and automation are crucial to optimize performance. These changing consumer behaviors expose retailers and wholesalers with multiple locations, to a wider range of risks including third-party risks associated with their services. Marsh offers customers in the retail/wholesale industries solutions to address the many risks they face such as:

  • Reputational risk and crisis management.
  • Cyber risk and technology risk assessments, forensic accounting, claims services, errors and omissions and placement.
  • Product-contamination risk assessments, claims, and crisis management.
  • Workforce strategies and software to manage workers’ compensation, fleet safety, and auto liability risks.
  • Property risk placement solutions.
  • Corporate crisis preparedness and business continuity consulting.

As risk advisor and consultant to upwards of 600 restaurant companies, including 9 of the Nation’s Top 10 Chains. Marsh’s Restaurant Center of Excellence delivers risk management solutions for challenges such as: Employee injury.

Guest Incidents

  • Network disruption and theft of confidential information.
  • Food borne illness, product contamination and trade name restoration.
  • Active assailant.
  • Employment practices liabilities, including wage and hour.
  • Crisis response.
  • Natural catastrophe property exposure and business interruption calculations. 
Food & Beverage

Marsh provides risk management solutions for more than 375 food and beverage clients including manufacturers, processors, wholesalers and distributors of fresh and packaged food and drinks worldwide, including half of the top 100 food and beverage companies in North America as ranked by foodprocessing.com. Among the risk management services we provide are:

  • Workforce strategies and software to mitigate workers’ compensation and fleet/auto safety risks and close claims.
  • Product contamination risk assessments, claims, and crisis consulting.
  • Business interruption and continuity consulting.
  • Self-assessment tools to identify and remedy potential underwriting issues.
  • Property coverage solutions placement.