Business Cover

Together we protect what matters to you

The Retail Mutual provides an alternative to traditional insurance for shops and independent retailers, offering peace of mind and flexibility, 24 hours a day, 365 days a year.

Our business cover solutions are designed to give the best possible protection to the independent business owners on our high streets. Choose from: employer’s liability cover – a legal requirement if you have employees, casual workers or volunteers; protection for your premises, stock, cash or goods in transit; public liability cover to protect yourself if a claim is made against you; and business interruption cover to minimise your loss and costs of disruption in the event of the unexpected.

Mutual Benefits For Business Cover

As a Mutual we exist purely to protect independent retailers in times of crisis – we have no shareholders expecting dividends and we even have the discretion to pay claims that aren’t always covered. What’s more, because we are a Mutual we do not have to pay Insurance Premium Tax (IPT) meaning and that saving gets passed straight on to our Members. That’s what makes us different.

We’ve got your business covered

  • Choice of cover options to suit your individual needs
  • Fixed glass and accidental damage cover included as standard
  • Employer’s liability cover up to £10 million
  • Public and products liability cover up to £5 million
  • Business interruption cover up to £500,000
  • Interest-free payment plans
  • No admin or cancellation fees
  • No IPT
  • No broker fees
  • Fast and easy claims service
  • Free legal expenses insurance

Did you know?

If you are a news retailer The Retail Mutual offers a weekly payment option via your Smiths or Menzies news bill. Email us at or call 0333 2121 280 to find out more.

Carefully crafted cover, designed to suit your needs

Create your cover – call
0333 2121 280
Click the button below to fill in our
quick-and-easy quote form

The Mutual Claims team have been extremely helpful. Many thanks for your very prompt assistance.

Liz, a shop owner

Lots of our members now have multiple policies, myself included. Why would I want to go elsewhere?

Naresh, Newsagent and Convenience Store Owner

Our recent experience of claims handling at The Retail Mutual was excellent.

Peter, Newsagent

Click below to view and download the cover wording and cover summary documents