The Chancellor of the Exchequer has made his Autumn Statement. See what it means for you.

The Chancellor of the Exchequer has made his Autumn Statement. See what it means for you.



Shop and retailer insurance

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

✓ Automatic seasonal stock increase of 25%
✓ Business interruption cover included as standard
✓ Your liability as an employer covered up to £10 million
✓ Cover of your goods when they're in transit
✓ Up to £5,000 for loss of money

  • Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

    Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

  • Our Retailer Insurance is rated 5 Star by Defaqto.

    Our Retailer Insurance is rated 5 Star by Defaqto.

  • Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

    Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

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 fish and chip shops, hairdressers and haberdashery. With shop insurance from us, we can help you to 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, 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.
  • 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.

Why choose us?

Why choose us?

  • No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

    No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Local presence

    With a network of local agency offices nationwide, we can get to know you and your business.

    Local presence

    With a network of local agency offices nationwide, we can get to know you and your business.

FAQs

Other business products

Corporate Insurance

Our Commercial Select Insurance policy, 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.

Claims

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