The Retail Mutual is dedicated to providing an alternative to insurance products and services for the independent retail community. We exist to help give you peace of mind and are passionate about protecting the independent retail businesses on our high streets.

We are committed to meeting both the current and future needs of our Members, catering for the diverse cover needs of the UK’s independent retail community. Our products and Membership are not just open to retailers but also to their families, staff, wholesalers and suppliers – indeed anyone with a connection to independent retailing.

Real retailers are the reason behind The Retail Mutual; real people, running real businesses, overcoming similar challenges, sharing their experiences and celebrating each-other’s success. Our constitution requires that our Board of Directors is drawn mainly from the Membership, so that most of the Directors have first-hand experience of working within the retail sector.

We believe it is our community ethos that sets us apart from shareholder-owned insurance companies; our Members are independent, but they are not alone.  When the unexpected happens The Retail Mutual is here to help, with a sympathetic ear, practical advice and a fast-and-easy claims process.