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Common Exposures – Retail Operations

Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly. This document provides an overview of retail industry risks—helping you identify potential blind spots in your risk management and insurance programs.

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Client Support

We are proud of the supportive, innovative services and expert advice we provide to our clients and are even more proud to share what they have to say about us.

Lloyd Sadd not only eliminates the complexities behind insurance and bonding, but they find ways to help clients like Dawson Wallace reduce their insurance costs. In Dawson Wallace’s particular case, Lloyd Sadd has provided consulting services beyond expectation.

Extremely knowledgeable. [They] explain everything, [and] excellent response to our needs.

Thompson Bros. has worked with the team at Lloyd Sadd for over 30 years – a relationship fostered by trust, expertise and a shared vision for growth. To us they are not only insurance brokers or surety providers; they are construction risk management professionals that are truly interested in our business and always strive to get a better understanding of what it is that we do.

Too often in this world of “dog eat dog”, companies promise “the Moon” but deliver only “Star Dust”. I can tell you that if you are considering looking at a new Insurance Broker I HIGHLY RECOMMEND you speak to Mr. Horcica to enjoy the experience I and my team have encountered over the last year.

This is a relationship that has been very beneficial to Keller and one that we value to same degree as our legal and accounting firms. These are all important business partners to Keller – they help us grow successfully.

Yearly reviews ensure that we remain proactive about our coverage. I know our customized insurance policy will always meet our needs. Over the years the relationship has grown and has always remained friendly and fun, as well as professional and responsive. They keep their customers’ best interests at heart and treat their clients like humans, rather than transactions.

One of the main reasons is the people. The Company has a sense of urgency. They’ve held our hands and walked us through many things together. There are lots of brokers out there, the reason we choose to work with Lloyd Sadd is the people.

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Edmonton

Head Office

Suite 100, 10120 – 103 Avenue NW,
Edmonton, AB T5J 3R6

Main:	780.483.4544
TF:	1.800.665.5243
Consulting:	1.888.423.2702
Fax:	780.484.5727

Calgary

1810, 144 – 4th Ave SW
Calgary, AB T2P 3N4

Phone:	403.444.0950
TF:	1.866.845.8330
Fax:	780.484.5727

Kelowna

1499 St Paul St #705,
Kelowna, BC V1Y 6P1

Phone:	778.313.0504
TF:	1.800.665.5243

Bonnyville

5206 50 Ave,
Bonnyville, AB T9N 1Y5

Phone:	780.826.3611

Cold Lake

Unit 103, 4807 51 Street
Cold Lake. AB T9M 1P2

Phone:	780.639.8811

Peace River

10024 101 Street
Peace River, Alberta T8S 1S6

Manning

Stone Insurance Brokers Ltd.
A Division of Lloyd Sadd

117 4 Ave SW, Manning, AB T0H 2M0

Phone:	(780) 836-3061