• Retailers Need A Risk Management Partner That Understands Their Business

    Few industries face as much risk as the retail industry. Most retailers struggle to grow their businesses on the slimmest of margins amidst fierce competition. And as if that wasn’t challenging enough, the scope and magnitude of threats to their businesses is enormous. Just a few of the increasing risks that require risk transfer protection strategies include:

    • Complying with increasing local, state and federal regulations
    • Increasing cost of labor and employee benefits
    • Intellectual property protection
    • Shrinkage
    • Consumer credit and bad debts
    • Insurance costs
    • Loss of key personnel
    • Cyber breach and Internet exposures
    • Business continuity due to weather, disasters and terrorism
    • Lawsuits to company and/or officers

    For example, the FBI calls employee theft the fastest growing crime in America. Incredibly, the vast majority of this loss is due to employee theft. Just how serious is this problem for retailers? The risk of employee theft is so severe that one third of all U.S. corporate bankruptcies are directly caused by employee theft.

    Retail shoe store front within a shopping mallFortunately retailers don’t have to go it alone. OneGroup specializes in providing risk management consulting and insurance products that control risk and protect your business. Unlike most brokers, OneGroup won’t sell off-the-shelf insurance products or offer your business a one-size-fit-all program.

    Our retail insurance specialists sit with you to fully understand your unique operational risks. We learn what programs you currently have in place and which components are working properly.

    Only then can we provide innovative solutions for your retail operation that are integrated and efficient. The end result is the peace of mind that your total risk management portfolio has no duplication and no waste while providing your business—and you personally—the highest degree of protection of assets.

    OneGroup brings the retail industry comprehensive insurance and financial services to protect your retail operations
    • Workers’ compensation insurance
    • Automobile liability insurance
    • Contingent cargo insurance
    • Physical damage insurance
    • Garage and garage-keepers’ liability insurance
    • General liability excess/umbrella coverage
    • Property and casualty coverage
    • Risk management consulting
    • Towing coverage
    • Accounts receivable insurance
    • Inland marine insurance
    • Business income insurance
    • Injury management services
    • Employee benefits consulting and outsourcing
    • Human resources consulting and outsourcing
    • Medical payment insurance
    • Short- and long-term disability insurance
    • Crime and vandalism insurance
    • Errors and omissions insurance
    • Employment practices liability insurance
    • Pollution and environmental insurance
    • Life insurance
    • Home and auto insurance
    • Financial and business planning
    • Retirement and pension services*
    • Financial planning*
    • Fiduciary Services*
    • Investments and wealth management services*
    Risk management and injury prevention
    • Outsourced risk managers
    • Supervisory development
    • Behavioral risk management training
    • Industry-specific lifting program to protect employees
    • Customized online risk management resources
    Human resources
    • Online HR resources
    • HR consulting and support services
    • ADA compliant informed hiring program
    • Innovative wellness programs
    Injury management and mitigation
    • Injury reporting and response systems
    • Proactive claims management and oversight
    • Integrated injury management transitional work programs
    • Ergonomic intervention services
    • Customized occupational health networks
    Expense recovery
    • Audited payroll and workers’ compensation classification reviews
    • Experience modification calculation reviews
    • Outstanding claim reserve reviews
    • Loss-sensitive program calculation reviews
    * Services offered through our Affiliate Partners: Community Investment Services/INVEST Financial Corp., and BPAS. Registered Representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with Community Investment Services, Inc. Products offered are: Not insured by the FDIC, not a deposit or other obligation of or guaranteed by any other bank, subject to risks including possible loss of principal amount invested.