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We are The Retail Mutual

Protecting independent businesses

A dedicated UK-based call centre on hand to deal with queries or claims

Owned by our Members, not by shareholders

Over 5,000 Members who are independent business owners

Over 20 years' experience

The Retail Mutual was created over 20 years ago when a group of news and convenience store owners joined forces to create their very own mutual as an alternative to insurance companies, to provide them with the specific type of cover they needed as busy high-street retailers.

About Us

Make a claim

We know how important it is to get your business back up and running after an unexpected event. This is why our dedicated UK-based claims team is on hand to help you through your claim process. Our experienced team will do whatever they can to resolve your claim as quickly and efficiently as possible, freeing you up to focus on getting your business back on its feet.

Make a claim

Our Latest Blogs

We create regular, useful blog content full of tips, tricks and helpful knowledge, written for busy business owners like yourself. If you like what you read, sign up to our newsletter and never miss one of our articles again.

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July 6, 2023

Freezing the price of your cover

The Retail Mutual is now offering enhanced specialist Mutual Business Cover tailored specifically to meet the needs of our Members and former Members. We pride ourself in looking after our…
April 25, 2022

GroceryAid Day

Running an independent convenience or grocery business can be challenging, and unexpected and unwelcome events can pose real threats to retailers’ livelihoods. You might be an independent business owner, but…
boxes of stockBlog
March 14, 2022

3 ways to keep your stock secure

As a busy retailer it’s always been important to keep your stock secure but with wholesale prices increasing and tobacco costs soaring as a result of the 2021 budget, it’s…

Opening times

Customer Service and General Enquiries

Customer Service - 0333 2121 006
9:00am to 5:00pm, Monday - Friday
Closed Weekends and Bank Holidays

Claims Team

Claims - 0333 2121 008
9.00am to 5.30pm, Monday - Thursday
9.00am to 5.00pm, Friday
Out of hours - 01424 850 333

Special Offer
Business Cover Offer Stamp

Take out business cover with us and receive a £20 gift card*

Call us now on 0333 2121 280 quoting ONLINE20 for an immediate business cover quote

Find Out More