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Mutuals aren’t a new idea, in fact they have been around for hundreds of years and the concept is more relevant today than its ever been.

Who are The Retail Mutual?

We began in 1999 as The NFRN Mutual to provide cover to independent news retailers but the retail landscape has evolved and so did we. In 2017, we became The Retail Mutual to reflect the changing nature of our membership. Today we serve the entire independent retail community; from post offices, confectioners and clothes shops to farm shops, florists and many more. In addition to expanding the range of retail trades we cover, we also continue to grow, innovate and introduce new products and services in our mission to become a one-stop-shop for the diverse needs of the independent retail community.

What types of cover does The Retail Mutual offer?

Business cover – the core product from The Retail Mutual. Choose from; protection for your premises, stock, cash or goods in transit; public liability cover to protect yourself if a claim is made against you; business interruption cover to minimise your loss and costs of disruption in the event of the unexpected and more. If you employ any staff, you may also be legally required to have Employer’s Liability cover to protect both them and you.

Home cover – tailored to your individual needs, our home cover offers protection for your home and personal possessions including elements such as accidental damage, alternative accommodation and home emergency cover.

Landlord cover – our residential landlord cover will protect your rental property against fire, lightning, flood and storm damage as standard. You can also choose from a range of options for protecting against liability claims, unpaid rent and accidental damage to your building, contents, fixtures or fittings.

Health cash plan – Health can be an unpredictable thing and for small business owners, suffering an accident or serious illness can have major repercussions for your livelihood. It’s reassuring to know that with the right health cover you can get prompt diagnosis and treatment.

Access Surgery Health Cover – Typical private health insurance is expensive and high costs can add worry to an already stressful time when you’re waiting for surgery. This cover is our low-cost alternative to private health insurance – it aims to give you prompt diagnosis and referral, and fast access to treatment.

To find out more about how The Retail Mutual can help to protect you, your independent business and your home, for a free, no-obligation quote, call 0333 2121 280 today or fill out our online quote form. We look forward to hearing from you.

Opening times

Sales0333 2121 280
Service0333 2121 006
8.30am to 5.30pm, Monday – Friday
Closed Weekends and Bank Holidays

Claims0333 2121 008
9.00am to 5.30pm, Monday – Thursday
9.00am to 5.00pm, Friday
Out of hours 01424 850 333
Special Offer
Business Cover Offer Stamp

Take out business cover with us and receive a £20 gift card*

Call us now on 0333 2121 280 quoting ONLINE20 for an immediate business cover quote

Find Out More