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CAC Specialty’s team of retail industry experts provides clients with great benefit in technical ability and strong insurer relationships, all delivered within the context of our fiercely independent, agile, and collaborative firm. CAC’s capabilities benefiting Retailers include expertise in casualty, property, cyber, executive liability, and structured solutions.

In an environment where claims frequency, severity, and premium are all increasing, retailers need to partner with a broker who can help understand and quantify their risks to develop holistic and strategic solutions informed by these outputs. CAC has invested in many resources and analytic tools across the spectrum of risks that are important to Retailers, including:

  • Actuarial – loss projections, volatility analysis, risk-bearing capacity
  • Natural Catastrophe Modeling
  • Analysis of Business / Contingent Business Interruption exposures
  • Cyber threat analysis
  • Loss Portfolio Transfer
  • Collateral Recapture
  • Captive formation / utilization
  • Contractual Risk Transfer review and recommendations
  • Claims Analytics
  • Claims Advocacy
  • Safety and Loss Control
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Each of these pieces provides meaningful Impact to CAC‘s Retail clients, including:

  • Best in class insurance programs targeting the “efficient frontier” across retained and transferred risk
  • Reduced Total Cost of Risk through the utilization of data, analytics and innovative insurance program solutions
  • Reduced volatility to meet target financial metrics
  • Post-lost business resiliency, thanks to identified and mitigated risks
  • Risk Control and Safety Improvement delivering improved outcomes for employees, customers, and vendors

Meanwhile, world events and trends in insurance such as social inflation, natural catastrophes, and ransomware attacks have pushed the insurance market for Retailers into significant upheaval in recent years, most notably in Cyber, Excess Liability, and Trucking, along with steadily increasing rates for Property.

For more information on Retail expertise, please contact