We exist to protect independent retailers in their time of need

Protecting our independent retailers

The Retail Mutual is dedicated to providing an alternative to traditional insurance for the independent retail community. We exist to help give you peace of mind and are passionate about protecting the independent retail businesses on our high streets.

We began life in 1999 as The NFRN Mutual providing cover to independent news retailers and have been proudly supporting our Members for 19 years. As the retail landscape has evolved, so too has the Mutual. Today we are able to serve the entire independent retail community; pubs, post offices, confectioners, clothes shops, farm shops, florists and many more in between. We became The Retail Mutual in 2017 to reflect the changing nature of our Membership.

We are dedicated to meeting both the current and future needs of our Members, continuing to grow, innovate and introduce new products and services in pursuit of our mission to become a one-stop-shop for the diverse cover needs of the UK’s independent retail community.

It’s all about people

Real retailers are the reason behind The Retail Mutual; real people, running real businesses, overcoming similar challenges, sharing their experiences and celebrating each-others’ success.

Even our Board of Directors are Members of the Mutual themselves and all have first-hand experience of working within the retail sector.

It is our community ethos that sets us apart from traditional insurance companies; our Members are independent but they are not alone. When the unexpected happens The Retail Mutual is here to help, with a sympathetic ear, practical advice and a fast-and-easy claims process.

Find out more about our products or click here to complete our quick-and-easy online quote form.

Together we protect what matters to you

Are you ready to get covered?


At The Retail Mutual we work with a number of leading professional companies and organisations which you may find of interest.

The NFRN is one of Europe’s largest retail trade associations with over 15,000 independent news and convenience retailers in membership throughout the UK and Ireland.

Plunkett Foundation support community enterprise particularly in rural areas. Community-owned village shops continue to be one of the leading success stories of the UK co-operative and social enterprise movement.

Smiths News is the UK’s leading newspaper and magazine wholesaler, their customers range from small independent retailers in remote locations, to the nation’s biggest supermarkets. The Retail Mutual works closely with them to provide its unique Weekly payment scheme to its Members.

Menzies are a newspaper and magazine wholesaler, serving primary clients in the press, travel and tourism sectors. The Retail Mutual works closely with them to provide a unique Weekly payment scheme to its Members.

Regis is an independent company that develops and manages mutuals, providing a complete outsourced management service, from sales and marketing through to claims handling. Their talented team is made up of insurance and mutual specialists who have been managing mutuals for many years.

ICMIF is the voice of the world’s cooperative and mutual insurance sector. ICMIF aims to promote and work with the cooperative and mutual insurance sector globally by being a leader in providing information and services to members, and representing the interests of, the global cooperative and mutual insurance sector.

AFM is a professional, trustworthy, authoritative trade body, committed to protecting and progressing the principles of mutuality. AFM aims to promote a better understanding of mutuals, encouraging mutual support and mutual approaches to business and public policy.

Shoplink has been created to help independent retailers develop their business, cutting out the middleman so that you can get the very best deals, margins and ultimately profits.

Goodman Jones are not just Chartered Accountants but business advisers.

We really understand the needs and demands of entrepreneurs and family businesses and the interplay between the family and the business. Over and above the audit, accounting and tax that you would expect, we can help retailers in a number of ways such as: supporting key negotiations with banks or suppliers, reviewing strategy, planning for succession or lack of it. We also bring our expertise in property to help guide those with Buy To Let portfolios as well as commercial property.

Our measure of success is the length of time our clients stay with us, something we are delighted to measure in decades rather than years.

Under Age Sales is a social enterprise that specialises in helping retailers prevent sales of restricted products to minors, and assists them in achieving compliance. It provides staff training, point-of-sale materials, compliance advice and advice for compliance planograms with all of your legal compliance set out.

Under Age Sales provides nationally recognised training and is an Edexcel accredited centre. Staff training is an essential element of establishing a system of due diligence to prevent underage sales. It may also help retailers to avoid prosecution or licensing sanctions should a member of staff fail a test purchase.

Save The High Street is a coordinated, industry-wide movement to support and empower every local shopkeeper nationwide, accelerating the whole high street’s transition to a better connected, digitally enabled and more sustainable high street.

Members are also eligible to join the Retailer Advisory Board, which aims to identify and evaluate the opportunities and challenges facing independent local businesses today. Membership is free and provides you with access to reports, insights and recommendations on what is working best on our high streets.

Join the movement and help shape the future of the high street.