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Our business insurance

Insurance that's all about your business

Whether you’re a small independent company, a large national business or a food manufacturer. Perhaps you have a property portfolio, own or manage an estate. Whatever your business, NFU Mutual insurance is all about you.

As a mutual organisation, our customers are our members. We're proud to serve their needs. We offer a range of products designed to meet our customers’ needs - from the artisan producer right up to the most complex and largest organisations in the UK. We’re recognised for our financial strength so our customers can trust us to deliver on our promises.

Our local network of specialist Agents know the locality you operate in. They’ll meet you face to face to build a personal relationship and understand your requirements. Only then will they recommend either commercial insurance package products or advise you on tailored cover. Agents are also supported by a team of experts - underwriters, surveyors, loss adjusters, even buildings valuation experts. Experts all accessed through one single NFU Mutual point of contact.

But that’s not all, NFU Mutual Risk Management Services Ltd can help you limit your exposure to risk, reduce your potential to claim and therefore keep costs to a minimum.

We can offer a range of products from protection for loss of key person and director’s liability to employee benefits such as pensions, succession planning and investments.

The right insurance starts with the right conversation. So contact your local Agent today.

Find your local branch

Food & Drink Manufacturing

The food and drink industry is booming. Yet from concept through to consumption, you face challenges and risks everyday. We have some expertise to help minimise risks and get the business up and running should things go wrong.



We work extensively with your industry from local coffee shops to chains of restaurants. We understand the issues you face including the health and safety of customers and staff, regulatory compliance and cyber risks. With our expertise we can offer you the perfect cover for you.



A fast dynamic industry, retail really keeps you on your toes from property issues or stock damage, employee fraud to threats to your reputation, there are many challenges. But we have some expertise, products and services to keep you open all hours.



Everything about wholesale is on a large scale including the challenges you face – increased competition, economic slowdown and regulatory changes. These and other big issues make your industry more demanding than ever. We have some expertise to help.


Property owners

Property owners and landlords come to our specialist local Agents, because not only do they understand your industry, but they’re on your doorstep to provide a local personal service. Plus, they can recommend a wide choice of NFU Mutual products and services to keep your business up and running.



We have a long history working with estates throughout the UK. So we understand the complex challenges you face – from organising public and environmental liability cover to ensuring you have the right valuations for your estate. Our local team of specialists help you overcome these challenges.


Business Insurance Products

Whatever type of business you’re in, we can tailor insurance to your specific needs or offer one of our commercial insurance package products. Whichever the sector, there's something to suit every business.


Commercial Vehicle Insurance

We offer tailored commercial vehicle insurance to protect your business vehicles and keep your business mobile. From cover for light vans to protection for a whole fleet, keeping your business running smoothly.


NFU Mutual working with
M H Poskitt Ltd

"Peace of mind that my business is fully protected with no hidden extras or exclusions is vital. We run a complex operation with specialist machinery that would be irreplaceable should the worst happen and would cause major disruption to the business for a prolonged period.

It is for this reason I have been insured with NFU Mutual for over ten years - I have total confidence that they really understand every aspect of the business and the potential risks we face."

Guy Poskitt
Managing Director, M H Poskitt Ltd