Man working in shop

Retailer Insurance

Retail businesses 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.

With our Retailer insurance policy, you can protect yourself, your employees, and your business assets. Our policy includes cover suited to a variety of retail trades - from butchers and florists, to greengrocers and hairdressers. It’s also flexible, so you can choose optional cover to meet your business needs now and in the future.

Key things to know about our cover

  • Property - Your contents and stock are covered as standard, and includes an automatic seasonal stock increase of 25% around events such as Christmas and Easter, with the option to increase it further. There’s also the option to add cover for your buildings if you need it
  • Money - up to £5,000 - loss or theft of money on your premises during business hours. This includes money in transit to the bank or whilst in a safe on your premises overnight
  • 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 £2.5 million but you can choose higher limits. Also as an employer, you have a legal responsibility to buy employers’ liability insurance. We provide £10 million as standard but higher limits are available.

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.


With over 100 years of insurance knowledge and expertise, we know the industry inside and out.


Instead of making decisions based on shareholders' 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.

However, we recognise that every business is different and understand that one size doesn’t necessarily fit all, that’s why for businesses with more complex insurance needs we offer a Commercial Select product, and if you need it, more specialist sector advice.

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.