The Retail Mutual is dedicated to protecting independent businesses. As a discretionary mutual, we provide a range of adaptable cover solutions which reflect the fundamentals of insurance to support, safeguard and offer you peace of mind by minimising risks and assisting when you need to make a claim.
Your butcher shop is here to serve your loyal customers with prime cuts of fresh meat: steaks to sizzle, burgers for the barbecue and gammon for the grill. But being a butcher can be risky when you’re using sharp objects, handling raw meat and trying to keep your premises clean and safe. It’s important to have the right insurance in place to protect your customers, your staff and your livelihood against everyday risks that can have a major impact.
Being a butcher can keep you busy, from chopping meat to sharpening knives and wiping down surfaces, so it’s important to have a business cover that works as hard as you.
At The Retail Mutual, we have used our extensive knowledge and years of experience of independent retailers to provide you with an alternative to butcher shop insurance. Our butcher shop cover provides you with the protection you require so that you can continue to successfully run your business should you need to make a claim.
One of the things that makes us unique is that we are not an insurance company. We are a discretionary mutual, which means we can be more flexible in our approach whilst still meeting the fundamental requirements you expect from insurance, such as offering support, security, peace of mind and financial protection when you need it most.
What’s more, as a discretionary mutual, we are owned and controlled by our Members. The Retail Mutual doesn’t have shareholders expecting to make a profit, it is created purely for the needs of its Members.
Employers’ Liability cover
If you employ any full or part-time staff, including volunteers, temporary or seasonal workers, you are legally required to have Employers’ Liability insurance. For example, if a member of staff injures themselves on your machinery, you could face an Employers’ Liability claim. We offer up to £10 million of protection backed by an insurance policy to meet your legal obligations.
Stock cover
Without your stock, you wouldn’t have a business. Stock cover protects your goods from loss, theft and accidental damage both in your butcher shop and in transit. This means that if an incident occurs, the cost of your meat or other stock could be reinstated. This can also include chilled or deep-frozen stock.
Contents cover
The smooth functioning of your business relies heavily on your butchers’ equipment including machinery, kitchen appliances, computer equipment and more. Contents cover enables you to replace such equipment in the event of an unexpected incident such as flooding, fire or theft.
Business Interruption cover
Business interruption cover is usually taken out in conjunction with other types of cover. Should an incident like a fire occur at your business, it is likely you’ll require time to make repairs and restore your butcher’s shop. Business Interruption cover may compensate you for overheads, interim payments and even staff wages until you get back on your feet. The Retail Mutual offers cover up to £500k as standard with higher limits available on request.
Public Liability cover
Public Liability cover protects you in the event that a customer or member of the public brings a claim against you for an injury suffered on your premises. For instance, if they slip or trip on your butcher’s shop floor, or experience food poisoning as a result of produce you have supplied. The Retail Mutual offers cover up to £5 million.
Buildings cover
If you own your premises, you will want to be sure you are suitably covered, from roof and foundations to fixed shelving and display units. We offer flexible limits to meet your needs as part of our buildings cover for butchers.
When you pay for your butcher shop cover, you’re not just another customer, you become a Member of The Retail Mutual’s supportive independent business community. Your financial contribution supports other businesses needing to claim, and in the same way, their contribution helps you in your time of need.
Unlike insurance providers, the Retail Mutual offers discretionary cover which means if a claim falls outside the agreed cover limits or terms, there may be an opportunity to appeal this decision. The Mutual delegates its claims discretion to a Board of Directors, appointed from its Membership, who are or have been retail business owners themselves. The Mutual empowers its Directors to make key decisions and gives them the authority to agree claims that may fall outside a Member’s agreed cover levels. The Board’s Claims Committee, themselves retailers, use their in-depth knowledge and empathy to adjudicate any claims that are appealed.
“When I arranged my Business Cover with The Retail Mutual, the team were fantastic with a friendly, informative and professional service.”
Laura Fisher
“The Retail Mutual team were most efficient, helpful and reliable, going above and beyond to assist me with my cover requirements. I would not hesitate to use them again, top service.”
Susan Beard
“We were extremely delighted with how quickly and efficiently The Retail Mutual dealt with my recent claim for my landlord property. Very happy with The Retail Mutual.”
Vikram Morzaria
“Our claim was handled promptly and professionally and with great communication. I have no hesitation in recommending the Retail Mutual.”
Prescilla Warrington
“My store unfortunately suffered malicious damage to the shop window, but my cover with The Retail Mutual meant that the whole episode was trouble-free from the beginning and friendly. A refreshing claims experience.”
David Spurrier-Kimbell
The Retail Mutual offers a wide variety of cover options to support independent businesses on and off the high street.
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The Retail Mutual is a trading name of the NFRN Mutual Limited, a company registered in England and Wales, number 3810528, registered office 8 Maltings Place, 169 Tower Bridge Road, London SE1 3JB. The NFRN Mutual Limited is authorised and regulated by the Financial Conduct Authority, FRN: 312391. The NFRN Mutual Limited is managed by Regis Mutual Management Limited, a company registered in England and Wales, number 4194000, registered office 8 Maltings Place, 169 Tower Bridge Road, London SE1 3JB. Regis Mutual Management Limited is authorised by the Financial Conduct Authority, FRN: 479202. You can check this on the Financial Services Register by visiting the FCA's website.
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