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Our Products



We offer protection against Property Damage, Business Interruption, Goods in Transit, Money and Assault and more.



Flexible cover that can include: Buildings, Contents, Accidental Damage, Rent, Alternative Accommodation and more.



Our cover is designed specifically for residential landlords including Buildings cover, Accidental Damage, Unpaid rent and more.



Created to cover all types of self-employed or small businesses, including Employers' Liability, Public and Products Liability.

0800 0664 988
  • What our members say
    • I was new to business, my RDM came into my store offering advice and I told her I had issues getting insurance with other providers so she suggested I call Mutual. I found them to be helpful and the quote they gave me was very fair plus the added benefit is that I can pay my bill in weekly instalments on my news bill.

      Mr. Iqbal, Gatley Convenience Store

    • I recommended the NFRN Mutual to a friend and it saved him over £800.

      Ralph Patel, Surrey

    • The claims service and the instant response was second to none.

      Mr. Ahmed, Stockport

    • The Mutual Claims team have been extremely helpful. Many thanks for your very prompt assistance.

      Liz, a shop owner

    • Since the RDM’s last visit I moved my insurance to NFRN Mutual and I am now saving around £500 per year.

      Kiltarlity Post office & store

    • Our recent experience of claims handling at NFRN Mutual was excellent.

      Mr Chisman - Lympstone Newsagents

    • We thoroughly recommend the NFRN Mutual, as the claims experience we’ve had is exceptional.

      Steven Barker, S&J News, Rochester

    • I am very grateful for all the help the NFRN Mutual  have provided to me and my family at our time of need.

      Mrs Peacock, LL29

    • Thank you for dealing with this promptly, It’s a fantastic and very efficient service.

      David & Pippa Heritage, Barns Green Village Store

    • Thank you for all your help, you have been terrific in talking me through what was required of us.  The recommendation from the Plunkett Foundation to contact you has worked very well.

      Jan Long, Bromsberrow Village Shop

    • NFRN Mutual are helpful and provide the perfect cover, so that if you have to make a claim they provide good quality information and assistance to put things right without delay.

      Mahendra Jadeja, Jardins

    • Thank you for all your help and understanding.

      Graham Fowle, Whimple Stores

    • I must inform you that, in times when good manners shown are the exceptions rather than the rule, I have been very impressed by the kindness, politeness, and courtesy shown by each member of your staff I spoke to on the phone. Well done, and please pass on my thanks to them.

      Mr. Macleod, Ashlie

    • Thank you for sending us the cheque so quickly, within two weeks of the theft, amazing service. Please kindly accept our sincere appreciation and kindness in settling our claim very promptly and in full.

      Mr. Patel, Edgware

    • Please can I take this opportunity to say a big thank you to the lady on the phone who was a tremendous help to me and my husband when our shop was broken into a few weeks ago. My husband was very upset and in total shock, the lady at the other end managed to calm him down and helped us step by step through the rest of the claim. When you experience a shock like this, having someone as helpful as that lady means a lot; she is a credit to herself and your company.

      Mrs. Warick, Bootle


Why choose the NFRN Mutual

The NFRN Mutual was created by retailers for retailers who elect the Board of Directors who all have retail experience. We offer our Members a comprehensive package of products, each individually tailored to the needs of retailers.


We offer insurance solutions for over 4,000 Members but it is how we interact with them that sets us apart from other insurance companies.

We have a dedicated UK-based Members service and claims team. When contacting the Member Service Centre you will always speak to someone who will be familiar with your business, claims and payment history. We are owned solely by our Members making us a Member owned discretionary mutual.

What makes us different

Endorsed by the National Federation of Retail Newsagents (NFRN), Smiths & Menzies

Pay weekly options available on all products

We're a mutual - serve no interests other than those of our Members

Dedicated UK-based call centres

Providing cover to retailers since 1999

Agreed over £22 million in claims payments

Company News

Peter Wagg, NFRN Mutual Chairman, takes a look at cash-handling best practice

According to the British Retail Consortium (BRC) cash is now being used for less than half of all retail transactions. However, in our stores, while card transactions are increasing cash is still very much the main method of payment, which makes our stores the prime target for crime. Recent NFRN Mutual members’ claims and press […]


NFRN iPad Air competition terms and conditions

1. The organiser of this free prize draw (“Draw”) is The NFRN Mutual Limited, 7 Maltings Place, 169 Tower Bridge Road, London SE1 3JB (“the Mutual”). 2. This Draw is open to UK residents aged 18 or over except for anyone employed by the Mutual, their families, agents or anyone connected with the Draw. 3. […]


It is glitz and glam for the NFRN Awards 2015

Once again the NFRN put on a spectacular awards nights full of glamour at the Riverbank Park Plaza in London. The awards, which took place on Tuesday 13th October, were packed with shop owners, award finalists and industry professionals. The evening was compared by Nick Ferrari, LBC radio presenter, who guided the crowd through the […]