Tradesman drilling

Small and Medium sized Business Insurance

Whether you run a small or medium enterprise, you’ve worked hard to build your business and reputation, and we're here to help you maintain it by keeping things running smoothly – giving you the confidence to thrive.

With our business insurance, you can protect yourself, your employees, and your business assets. Our policy includes cover suited to a variety of business – from food and drink, to retail and hospitality. 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 cover for your customer’s goods if you’re responsible for them. There’s also the option to add cover for your buildings if you need it
  • 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
  • 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

We have a network of over 295 local agency offices across the UK.


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


We reward our loyal customers through a Mutual Bonus which provides a saving on the renewal premium of your General Insurance policy.

Our specialist sectors

We specialise in a wide range of business sectors, take a look at our specialist sectors to find out more information on how we can help you and your business.

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.