This industry includes companies that offer services related to trade, distribution, and sale of goods between companies and private individuals.
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In the retail trade it takes a lot of idealism to give the best for the customers every day. There is usually little scope for incidents - even financially. The one who has secured himself against damage and destruction of the shop inventory and the premises is in good hands.
A boutique for men's fashion has been visited by burglars over night. They took piles of valuable brand-name clothing with them and opened the cash register. Zurich property insurance pays for everything and even organizes a specialist to replace the lock and door.
If the customer gets hurt
When shopping in a supermarket, an older customer slips on a lettuce leaf lying on the floor. He is seriously injured and has to go to the hospital for weeks with a fracture. Zurich's commercial liability insurance covers medical expenses.
Glass
In a gift shop, an employee accidentally destroys the large shop window of the store while decorating. Zurich property insurance pays for the costs as part of the all-risk cover.