We exist to protect independent retailers in their time of need

Our History

The Retail Mutual began life in 1999 as The NFRM Mutual, providing cover to independent news retailers, and we have now been proudly serving our Members for more than two decades.

As the retail landscape has evolved, so has the Mutual. We became known as The Retail Mutual in 2017 to reflect the changing nature of our Membership and today we are able to serve almost the entire independent retail and catering community, from farm shops to florists; cafes to clothes shops, pizzerias to post offices and many more in between.

Over the course of 20 years we have settled millions of pounds-worth of claims and helped numerous Members in their time of need. We pride ourselves on offering a wide range of products and services to help retailers protect not just their business but their home, their health, their family and their livelihood too. A significant number of our Members now choose The Retail Mutual to cover their residential property as well as their business, and many also look at us to cover their residential rental properties and portfolios.

The Retail Mutual key facts:

  • Nearly 7,000 risks on cover
  • Growing at over 10% year on year
  • Competitive offering with high acceptance rate on new business quotes
  • Almost 9/10 Members renew their cover every year
  • More than 100 different trade types catered for

Call us today on 0333 2121 280 or get a quote here

Thanks for the advice and assistance the claims team gave during my recent break in and for dealing with my claim swiftly.

Mr Latif, Newsagent Owner

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.

Mrs Beard, Supermarket Owner

When I arranged my Business Cover with The Retail Mutual, the team were fantastic with a friendly, informative and professional service. Thank you especially to Laz and Gary for your assistance, I couldn’t have asked for more.

Ms Fisher, Gifts and Homeware Shop Owner