Retailer Insurance

We provide flexible cover for a wide range of retail businesses.

Our Retail Insurance policy includes cover suited to a variety of retail trades - from butchers and florists, to greengrocers and hairdressers. 

We work extensively with businesses of all sizes in the retail sector, so we appreciate the challenges you face every day – from dealing with property or stock damage, to staff safety and the increasing threat of cybercrime. Issues that can impact significantly on your reputation.

There are many things to consider, but we have the knowledge, products and services to help keep you open for business.

What's included as standard:

  • Business Interruption - Poisoning from food or drink supplied from your premises, up to £100,000
  • Money - loss or theft of money up to £5,000 on your premises during business hours. This includes money in transit to the bank or whilst in a safe on your premises overnight
  • 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
  • Public Liability - £2.5 million for damages arising from injury to the public or damage to their property.

Optional extras:

  • Engineering - Accidental damage or breakdown of machinery and plant, such as service lifts, coffee machine boilers or heating boilers
  • Deterioration of Stock - Contamination of goods by refrigerant or refrigerant fumes.

NFU Mutual Retailer Insurance is 5 Star rated by Defaqto



Our Retailers Insurance provides one of the highest quality offerings on the market.