What Do We Know About In-Home Deliveries?

Knock knock! It’s Todd and Cue here to discuss the topic of: In-Home deliveries, and the risks it can pose upon Retailers. 


Whether you are reading this as a consumer, or you work in Retail, or even the owner of a business in the Retail Industry – how much would you say that you know about In-Home deliveries? Apart from the convenience they provide; what else is really a good idea about the whole situation? A stranger letting themselves into your home while you’re at work – to drop off a delivery you are anticipating. 


Not only does this service save you ordering your shopping to your workplace – but it also saves time waiting around for a delivery between a specific time frame, again offering perfect convenience, meaning your purchase will be in the front door before you even get home! So let’s weigh up the Pro’s and Con’s of the fairly new service that retailers such as Waitrose are offering customers, and how to make sure that as a Retailer – you are protected at all costs!


What Is In-Home Delivery And Where Did It Start?


In-Home delivery does exactly what it says on the tin. Someone comes and delivers your shopping for you, allowing themselves access into your home, while you are away or at work to ensure that you have your purchase at your convenience when you get home. It is slightly more popular in other parts of Europe and the United States of America, with a Swedish smart-lock company called Glue being one of the first businesses to trial it, shortly followed by  Amazon now offering its American clientele an exclusive Amazon Key, combined with a camera linked to your cloud on your mobile phone. 


How Does It Work?


Prior to making an order for In-Home delivery, you must have a Smart Lock device installed on your front door, for Retail access into your home. Then a temporary access code is sent via an App or trusted device, and forwarded on to the delivery driver as they pull up to your home, before it is then deleted permanently once the delivery is complete. Very modern and hi-tech, right? 


So As A Retailer, What Could Be My Risks Of In-Home Delivery?

As a Retailer you are open to many risks with this fairly new, tech-driven service. For example, the first situation that springs to mind is ‘What if something goes missing in a customers home?’ Of course – they will jump to conclusions straight away that it was their delivery driver when they were in their home. Or have you thought about the fact that your delivery team will be gaining access to many different homes as opposed to a delivery depot, therefore in terms of their own Health & Safety they could have an accident such as tripping over, falling or injuring themselves on an appliance – what happens then? 


One area that you as a Retailer can protect yourself with is providing general peace of mind to 

your customers that you are providing a trusted service. You can have the option of applying camera’s to your delivery squad to record legitimate footage from the moment they step through the front door. 


How Can Todd And Cue Help To Protect My Business With In-Home Deliveries?



So now you may be thinking, ‘How can I protect my business against any allegations, claims or remarks made deriving from an In-Home delivery situation?’ Well here at Todd and Cue, we always have an Insurance Policy to suit everyone, no matter how big or small your business may be! 


Our main point of focus for this scenario is our Cyber Liability Insurance Policy. Of course when you are dealing with In-Home delivery services, the main functionality of this is of course, technology, due to the demand of Smart Lock devices. Our Cyber Liability Policy can protect you on terms of First-Party and Third-Party cover: 


First-Party Cover


  • Loss or damage to digital assets such as data or software programmes
  • Business interruption from network downtime
  • Cyber exhortation where third parties threaten to damage or release data if money is not paid to them
  • Customer notification expenses when there is a legal or regulatory requirement to notify them of a security or privacy breach
  • Reputational damage arising from a breach of data that results in loss of intellectual property or customers
  • Theft of money or digital assets through theft of equipment or electronic theft


Third-Party Cover


  • Security and privacy breaches, the investigation, defence costs and civil damages associated with them
  • Multimedia liability, to cover investigation, defence costs and civil damages arising from defamation, breach of privacy or negligence in publication in electronic or print media
  • Loss of third-party data, including payment of compensation to customers for denial of access, and failure of software or systems



Get In Touch With Us Today


If you would like to discuss our Cyber Liability Insurance cover with our team here at Todd and Cue, then please don’t hesitate to get in touch with us today! Give us a call on 0191 482 0050 or email us at info@toddcue.com

Todd & Cue has grown consistently over the years, primarily through client recommendation, to become one of the UK’s leading independent insurance brokers and risk managers. Total client focus, with excellence in all aspects of service coupled with our growing buying power ensures that you will receive competitive insurance premiums and a true value for money service resulting in a complete and cost effective package.

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