Shop and retailer insurance

Whether online or on the high street, we can help keep your business selling.

Insurance overview

Whatever you sell, we've got you covered with our Retailer Insurance. 

We provide insurance for shops selling a wide range of goods, from florists to furniture stores, hairdressers and haberdashery. With shop insurance from us, we can help you to be protected against the challenges your retail business can face - from the damage to stock you sell and the building you trade out of, to the safety of your staff. 

With NFU Mutual business insurance, you can tailor your cover to meet the needs of you and your business. Plus, with the option to pay by direct debit at no extra cost and no fees should you make any changes it provides the flexibility we believe retailers need. 

What's included as standard:

  • Contents and Stock - automatic seasonal stock increase of 25% with an option to increase it further.
  • Money and Malicious Attack - loss or theft of money on your premises during business hours, and while being taken to the bank or in a safe on your premises overnight, up to £5,000.
  • Business Interruption - losses due to damage at the premises of your customers or suppliers, up to 15% of the sum insured.
  • Goods in Transit - loss or damage to your property while it’s in transit, up to £10,000.
  • Employers' Liability - damages arising from injury and illness to employees, including while working abroad for up to 60 consecutive days, up to £10 million as standard.
  • Public and Product Liability - damages arising from injury to the public or damage to their property because of your business' activities and/or products, starting from £2.5 million.
  • Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises if required by a regulatory authority, up to £1 million.

Additional covers you can choose:

  • Deterioration of Stock - deterioration caused by temperature changes due to failure or damage of the refrigeration systems and accidental failure or emergency removal of public electricity, gas or water supplies.
  • Terrorism - loss of income and additional cost of working due to damage caused by terrorism in England, Scotland and Wales.
  • Engineering Insurance - accidental damage or breakdown of machinery and plant.
  • Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
  • Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
  • Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
  • Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
This is not an exhaustive list, more information can be found in the important documents section.

The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
  • Defaqto 5 Star Rated cover

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

    Defaqto 5 Star Rated cover

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


Other business products

Commercial Insurance

Our Commercial Insurance is flexible to cover your businesses needs, suitable for larger businesses.

Commercial Vehicle Insurance

Vehicles can be important to your business - from pickups and vans to larger motor fleets, we're here to help keep you on the road.

Risk Management Services

Our experts can identify the dangers facing your business and offer one to one solutions personalised to your business.

What's next?

Take out a new policy

Ready to buy a Business Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your insurance policy.


Notify us of a new Business Insurance claim or speak to us about a claim that is in progress.