No Admin Fees
No cancellation fees
No broker fees

Dedicated UK call center

Discretionary-payments for non-valid claims

Interest-free instalments

Over 5000

This may cover but is not limited to:

Your customers becoming ill due to a problem caused by your food

A power cut causing your fridges or freezers to defrost and their contents becoming spoiled

A member of your staff injuring a customer by spilling hot food or drink on them

Accidental damage to cooking or other equipment requiring it to be repaired or replaced

A member of your kitchen staff or front of house having an injury whilst at work

Interruption to your business due to closure caused by fire, flooding or the requirements of public authorities

Accidental damage to buildings and fixed glass cover if you take out buildings cover

Public liability cover

Employers’ liability cover

Contents and stock cover

Business interruption cover

Buildings cover

What makes The Retail Mutual different?

When you pay for your cover, you don’t become another customer, you become a Member of The Retail Mutual and each Member supports one another. Members are not only other catering businesses they are other businesses across the high street such as your local butcher, convenience store or book shop, who all contribute into a fund.We manage this fund and in the event of an incident, we use it to pay any valid claims that our Members (including you) may have.

We are different to a shareholder-owned insurance company. As a mutual we are owned by and operate solely for our Members – our customers. Our Board of Directors have experience running their own businesses in retail and are highly committed to the welfare of our Members. If you are unhappy or disagree with a decision made regarding a claim, you can appeal to the Board, who have the discretion to pay claims that may fall outside a Member’s cover wording.

If you are a proud owner of a:

  • Trendy coffee shop
  • Busy takeaway
  • Popular bakery
  • Cosy tearoom
  • Cool ice cream parlour
  • Delicious deli
  • Greasy spoon cafe
  • Fabulous fish and chip shop
  • Well reviewed restaurant
  • Show-stopping cake shop

Then why not see what we can do for you

As a mutual you will NOT find us on comparison sites, so come to us direct to see if we can give you a more competitive quote.Obviously, this is based on underwriting acceptance criteria and a minimum contribution applies

Call 0333 3441 498 or click the button to start your quote

Start A Quote