At The Retail Mutual we have used our years of expertise and knowledge to provide a range of adaptable cover solutions. These covers protect thousands of Members representing over 100 different trade types providing them with support, security and peace of mind in times of crisis.
Get Your Business Covered
Protecting independent businesses
on and off the high street
No admin fees, cancellation fees or broker fees
Our dedicated UK-based call centre is on hand to deal with any quotes, questions or claims
Owned by our Members, not by shareholders
Interest-free instalments on any payment option; what we quote is what you pay
Join over 5,000 Members who are independent business owners on and off the high street
What type of cover are you looking for?
Protecting Independent Retailers Since 1999
We are The Retail Mutual
As a Mutual you won’t find us on comparison sites.
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.
Since then, The Retail Mutual has used its years of extensive experience and knowledge to perfect a range of business cover solutions for over 100 different trade types. We offer all the benefits of being part of a self-sufficient discretionary mutual, while reflecting the fundamentals of insurance, such as offering support, security, peace of mind and financial protection for you, your employees and your business.
Being part of Discretionary Mutual
When you take our cover, you become a Member and pay a contribution to the Mutual fund.
If you or another Member have to make a claim, the contributions in the Mutual’s funds are used to cover the cost of the claim.
Sometimes a claim falls outside the agreed cover limits or agreed terms. Usually this means the claim will be rejected but in the case of a discretionary mutual, this decision can be appealed to the Claims Committee.
The Claims Committee acts on behalf of all the Mutual Members. The Committee considers everything when making their decision. They can decide to pay the claim or uphold the original claim decision.
Discretionary Mutual Model
To us, you’re not just another customer; when you take out cover with us you become a Member of The Retail Mutual and join our supportive independent business community. Your financial contribution supports other businesses needing to claim for accidents or unforeseen events, and in the same way their contribution helps you in your time of need. Unlike insurance providers, at The Retail Mutual we offer discretionary cover, which means we can take a slightly different approach when it comes to claims handling.
We can provide a range of different cover options
The Retail Mutual can offer a variety of cover options with the right cover limits to suit your individual and business needs. These include:
- Public Liability Cover
- Employers’ Liability Cover
- Stock Cover
- Contents Cover
- Buildings Cover
- Business Interruption Cover
What we cover
Many unforeseen incidents can happen when you are running a business, even with all the right preventative measures in place. Being prepared for the worst will keep you one step ahead and help you get back on track after an incident has occurred.
These are just some of the incidents that we could potentially cover you for at The Retail Mutual:
Download your FREE Risk Assessment guide
The Retail Mutual has created an in-depth Risk Assessment guide to help you be more aware of the everyday risks that can impact you, your customers, your staff and your business.
What our Members have to say
“When I arranged my Business Cover with The Retail Mutual, the team were fantastic with a friendly, informative and professional service.”
“The Retail Mutual team were most efficient, helpful and reliable, going above and beyond to assist me with my cover requirements. I would not hesitate to use them again, top service.”
“We were extremely delighted with how quickly and efficiently The Retail Mutual dealt with my recent claim for my landlord property. Very happy with The Retail Mutual.”
“Our claim was handled promptly and professionally and with great communication. I have no hesitation in recommending the Retail Mutual.”
“My store unfortunately suffered malicious damage to the shop window, but my cover with The Retail Mutual meant that the whole episode was trouble-free from the beginning and friendly. A refreshing claims experience.”
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.
Get a quote and become a Member today
If you are tired of your existing provider or are interested in an alternative to insurance companies, then why not become a Member of The Retail Mutual? Get covered today for your business, home or rental property by calling 0333 2121 280.
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