Welcome To The Retail Mutual

Protecting our independent retailers

The Retail Mutual exists to protect independent retailers in their time of need

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Business Cover

Specialist business cover exclusively for retailers

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Home Cover

Because there’s more to life than work

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Key In house

Landlord Cover

Protection for residential landlords

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Health Cash Plan Hire

Health Cash Plan

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Access Surgery Health Cover

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The Retail Mutual Knowledge Hub

Sharing news, views and know-how from across the independent retail sector

Offering you peace of mind, high-quality cover and a quick-and-easy claims handling service

Business Cover

Whether you’ve spent a lifetime building up your business or you’re preparing to launch your new venture, you need to know that your livelihood is protected from the unexpected. At The Retail Mutual we’ve got your business covered.

Specialist cover for independent retailers

We specialise in providing business cover for a wide range of independent retailers; pubs, post offices, convenience stores, clothes shops, farm shops, florists, stationers, sports shops and just about everything in between.

We’ve got your business covered

Our cover solutions are designed to protect you, your business, your premises, your stock, your staff and your customers. With interest-free payment options, no admin fees and a quick-and-easy claims service, more and more high-street retailers are choosing The Retail Mutual for their business cover needs.

To find out more about The Retail Mutual Business Cover click below.

Home Cover

As an independent retailer we know that life is rarely nine to five. When you are busy balancing the books you need to be free to focus on your business without worrying about what’s happening in your home.

Home cover solutions exclusively for retailers

Our cover options are designed to protect your home and contents against damage, loss and theft. Whether you rent or own, The Retail Mutual can offer a cover plan that’s right for you. You can build your cover to meet your individual needs, ensuring that your home and your personal possessions are taken care of should the unexpected occur.

With flexible cover limits and a tailor-made approach, our home cover offers you peace of mind 24 hours a day.

Residential Landlord Cover

Do you rent out property attached to your retail premises or have an additional buy-to-let portfolio? It turns out that many of our Members do, which is why we have developed tailor-made residential landlord cover exclusively for Members of The Retail Mutual.

We exist to protect you in times of crisis

Our cover options are designed to protect your rental property’s buildings and contents should the unexpected occur.  Choose from a range of options to suit your needs, including public liability, loss of rent, fixtures and fittings and accidental damage to the structure.

You can choose a cover plan that’s right for you, ensuring that everything is taken care of should the unexpected occur. With flexible cover limits and a tailor-made approach, our Landlord cover offers you peace of mind 24 hours a day.


Mortgages for Retailers

The Retail Mutual has joined forces with mortgage specialist L&C to offer a dedicated mortgage service to retailers. They offer specialist advice and access to a wide range of mortgage products for every need, from buying your first home or moving house to buying to let or remortgaging an existing property.

Find the best mortgage to suit your needs

L&C will scour the market for the best deals to suit your needs. Their dedicated mortgage service is open to all independent retailers via The Retail Mutual at no extra cost and with no obligation to buy. Supported by a range of online tools plus expert advisors available to take your calls seven days a week, they aim to offer a simple, stress-free experience from start to finish.

Term Life and Critical Illness Cover

Taking out a mortgage is a major commitment, especially if you are an independent retailer running your own business.

None of us wants to dwell on what might happen if we were to die or suffer a critical illness, but arranging suitable life cover at the same time as your mortgage can provide invaluable peace of mind and protection in the event of the unexpected.

We have teamed up with L&C to offer Term Life and Critical Illness Cover, enabling us to provide an even wider range of cover options, especially for independent retailers.

Speak to an expert advisor now.

Call 0800 953 4092

Health Cash Plan

The Advantage Voluntary Health Plan

Big health benefits, affordable cover solutions

Health can be an unpredictable thing and taking time away due to a serious illness or accident can have major repercussions on your livelihood. That’s why The Retail Mutual has teamed up with Westfield Health to reassure you by giving you access to valuable health and wellbeing services plus the option to claim money back towards the cost of essential healthcare. From GP-referred diagnostic consultations to dental treatments, it also includes cash pay-outs for hospital stays and even the arrival of a new baby, giving you some breathing space while you step away from running your business.

Access Surgery Health Cover

Access Surgery & Access Surgery Plus

Cover that puts you in control

Private health insurance can be expensive and so we’ve teamed up with Westfield Health to provide our Members with a low-cost alternative to traditional private health insurance. Offering two levels of cover, Access Surgery and Access Surgery Plus provides you with the opportunity to access prompt diagnosis and referral facilities. The plans can be tailored to suit your individual needs, giving you the flexibility to choose the cover that is right for you.

Supporting independent retailers since 1999

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