As you are a member of The Federation, at The Retail Mutual we are confident that we can beat your insurance providers business cover quote by 10%*. Why not call us today on 0333 2127 263 with code BEAT263 for a free no-obligation quote and see how much we could save you?

*This offer is only available to members of The Federation and it is only available to new business cover members. Terms and conditions apply, read them in full here.

Why Choose
The Retail Mutual
for your business
cover needs

  • £10 million Employers’ Liability cover
  • Public and Products Liability up to £5 million
  • Business interruption cover £500,000 as standard (higher limits available)
  • Fixed glass and accidental damage cover included as standard with buildings cover
  • 50% increase in stock cover limit during November and December
  • Interest-free payment options
  • No admin fees, no cancellation fees and no broker fees
  • Fast-and-easy claims service
  • UK-based claims team
  • Advocates of independent retailers
  • Over 5000 Members

We have a variety of business cover solutions perfectly moulded to fit with your business needs. We have been providing cover for independent retailers since 1999, which has given us a good understanding of the demands of running a high-street business. If you are looking to move from your current provider or just looking to be part of a Mutual, why not ask us for a free no-obligation quote? You could be surprised at how much you could save.

Call us today on 0333 2127 263 with code BEAT263 plus your quote or renewal information to see what we can do for you.

Insurance renewal not due yet or want to request a callback?

Register your details below and we’ll get in touch to arrange your business cover quote at a time that is right for you. All details provided will be used for the purpose of a quotation, please select your marketing preferences below.

Call now on 0333 2127 263 quoting BEAT263 for a business cover quote.

Terms and conditions apply, see them in full here.

*Terms & Conditions

About the offer

The Retail Mutual will beat your quote from your current or potential insurance provider by 10%. This beat-your-quote offer is exclusively available to members of The Federation of Independent Retailers (NFRN), who wish to take out business cover with us for the first time.

This offer is applicable to new quotes only. Members who have been on cover with the Mutual for the same premises within the last two years are not eligible for this offer.

The reward

We will beat validated quotes from insurance providers by 10%, helping you save money on your first year’s cover with us. Discount applies to first quote comparison only

You will need to send us proof of the competitor’s validated quote or renewal documentation, including price, cover levels and excesses. This needs to be emailed to [email protected] before your first initial quote from us.

Qualification for the offer

This offer is available to members of The Federation of Independent Retailers who do not currently have business cover with The Retail Mutual. Eligible business cover must be taken out between 01 January 2021 to 31 December 2021.

We will beat your quote by at least 10%. Discount applies for the first year of cover only. Cover must be like for like, i.e. terms, disclosures and cover limits must be the same as the comparison quote.

To get your comparison quote from us, call 0333 2127 263 with code BEAT263 plus your quote or renewal information. Alternatively, register your details above and we will contact you when your renewal is due.

We will need you to send us proof of the competitor’s quote or renewal documentation, including price, cover levels and excesses. Evidence of the competitor’s validated quote or renewal documentation must be provided during the quotation process; by doing so, we will be able to give you a more accurate quote. Documentation can be sent to [email protected]. We can accept scanned copies, pictures taken from a phone or links to online documentation. Please note we cannot return any original documentation received in conjunction with this offer.

The offer is exempt from the online quote-and-buy service for the following sectors: bakeries, restaurants, takeaways, fish and chip shops, cafes, coffee shops, delicatessens, patisseries and ice cream parlours.

» This offer applies to the UK only

» £150 minimum contribution applies

» Cover is subject to normal underwriting acceptance criteria

» The offer is subject to there being no claims in the 12 months prior to the renewal date

» You must be a member of The Federation of Independent Retailers (NFRN) at the time of quotation

» This offer is only applicable to The Retail Mutual’s business cover product

» Quotes are valid for 30 days with no obligation to buy

» The quotation or renewal documents provided must be for the forthcoming year of insurance, not previous years

Offer – click here for more