Commercial insurance

Running a more complex commercial business you can face various risks – from fire, theft and flood, to loss of income and liability for injury to customers or employees.

There may also be other risks specific to your business or sector, risks your local NFU Mutual office will help you identify and manage.

Having access to in-house sector experts and longstanding partnerships with a variety of trade associations, enables us to stay close to your business environment and keep up to date with the subjects that matter to you.

With our Commercial Select insurance policy, you can protect yourself, your employees, and your business assets. Our policy includes cover suited to a variety of businesses – from food and drink manufacturing to wholesale, to retail, hospitality and property. It’s flexible too, so you can choose cover that meets your business needs now and in the future.

Key things to know about our cover

  • Property - Cover for buildings, contents and stock at your business premises. You can protect them against damage caused by common risks such as fire, flood, storm or escape of water. You can also protect contents and stock away from your premises. Alterations, additions and improvements can also be covered for 90 days. This will be up to 10% of the amount you’re insured for, and up to a maximum of £500,000
  •  Liability - You or your employees may be held responsible for accidental injury to customers or the public, or for damage to their property. Our normal cover is £10 million but you can choose higher limits. Also as an employer, you have a legal responsibility to buy employers’ liability insurance. If you choose to add this we provide £10 million as standard but higher limits are available
  •  Legal expenses - Legal disputes can stretch the resources of any business. They can be complicated, costly and time consuming. We can help protect you and your employees during legal disputes, providing a specialist lawyer to advise and support you, and cover against legal costs, up to £250,000.

Why choose NFU Mutual?

Local presence

With a network of over 300 agency offices nationwide, we can meet you face to face and really get to know you and your business.

Heritage

With over 100 years of insurance knowledge and expertise, we know the industry inside and out, and pride ourselves on our no quibble approach to claims.

Mutuality

Instead of making decisions based on shareholder’s needs, we make them with your best interests in mind. We reward your loyalty by offering a discount on your general insurance premium when you renew.

Find your local NFU Mutual office and have a real conversation about your business needs, and see why 9 out of 10 business insurance customers choose to stay with us year after year.