NFU Mutual Business Insurance Review

NFU Mutual business insurance: at a glance

NFU Mutual provides a range of business insurance options across a number of trades and professions.

It started in 1910 as an insurance provider for farming communities in the Midlands but has since expanded its offering to include business insurance, along with home insurance and motor insurance. NFU Mutual is owned and run by its membership, and underwrites its own insurance policies.

NFU Mutual has over 280 local agency offices across the UK, aiming to provide a personal service to members including quotes that are built around your business.

NFU business insurance pros and cons

Pros

Arrange cover and manage your policy in person or over the phone.
Cover offered by specific industry or trade.
Claim over the phone if a policy is set up by phone.

Cons

No customer support on weekends.
Self-service policy management is limited, as you need to contact an agent.
Quotes can be started online, but you’ll only receive a price through a callback.

NFU business insurance key features

Cover offered for a range of industries and trades
Local support and expertise through its agent network
No fees for monthly payments, cancellation or policy adjustments

NFU Mutual business insurance full review

NFU Mutual provides business insurance through its local agents, who can be contacted online, over the phone, or by visiting an NFU office.

While NFU’s origins lie in farming, it now offers cover for businesses of all shapes and sizes, including sole traders. Standard liability protections are available, along with cover for vehicles and rental properties.

What types of business insurance does NFU Mutual offer?

NFU Mutual offers a large range of insurance for sole traders, small and medium-sized enterprises (SMEs) and large organisations. This includes:

Employers’ liability insurance: This covers legal and compensation costs if a permanent or temporary employee becomes injured or is ill, or dies, due to their work.
Public liability insurance: This covers compensation costs and legal fees if your business activities cause personal injury, illness or death, and property loss or damage to a member of the public.
Product liability insurance: If you design or supply a faulty product, this covers compensation and legal costs if a client claims against you. This is paired with public liability insurance.
Contents and stock insurance: This is cover for your business belongings or stock if they are stolen or damaged.
Directors’ and officers’ liability insurance: This can cover associated costs if directors, officers, managers or partners are accused of wrongful acts, such as misleading statements and wrongful trading. There is also management liability for sole traders.
Commercial vehicle insurance: This covers a range of vehicles you use to keep your business running, such as vans, heavy and light goods vehicles, and motor fleets.
Landlord insurance: This covers fixtures and fitting of properties you rent out. It also covers loss of income if, for example, after a fire or flood makes your rental property uninhabitable, and replacement locks if keys are stolen. Optional extras include business travel, employers’ liability and contents insurance for your belongings.

Cover will be up to certain maximum limits and there may be restrictions, depending on your specific circumstances. There are also many optional add-ons (at an extra cost), such as goods in transit cover to protect transporting your goods, or engineering insurance for machinery.

NFU Mutual also offers a range of agricultural cover with its farming insurance and corporate insurance, including group personal accident insurance and life insurance for employees.

NFU business insurance features

Professions and trades covered

NFU Mutual offers cover for a large number of trades and sectors, including:

caterers
estate managers
manufacturers and wholesalers
car traders
retailers
builders
carpenters
plumbers
electricians
accountants
solicitors

Payment options

You can pay your premiums annually or in monthly instalments. You won’t pay interest on monthly payments or a cancellation fee if you end your cover before the term is up. You can also make adjustments to your policy without being charged a fee.

Online policy management

You can submit queries to NFU through its online form, and an agent will call you back. While this isn’t so much an online portal, it is a clear route for queries. You can get a quote for some types of cover online.

Phone support

NFU has UK-based agency offices which you can call to make changes to your existing or get a quote. Lines are open 9am-5pm on weekdays, but not on weekends. You can also fill in a form online to get a call back about your query.

Making a claim

How to make a claim on an NFU business insurance policy depends on the type of cover you have and how you bought it. The routes are as follows:

If you bought your cover over the phone with Mutual Direct: You can call a designated phone number. Lines are open on weekdays between 9am and 6pm.
If you bought your policy with an NFU agent: You need to make the claim through the agent. You can search for local agents through the website.
If it’s an emergency and outside working hours: If the situation puts anyone’s health at risk, has created poor working conditions, or might damage your property, there is a 24/7 phone line.
If it’s a commercial vehicle claim: Phone lines are open 24/7.

Claims are by phone, though if you bought through an agent it is possible to fill in an online enquiry form to notify NFU and then receive a call back.

Customer reviews

NFU Mutual has a’ Trustpilot rating of 4.2 out of 5 stars, based on over 6,400 reviews (as of 19 December 2025). Note that this rating is for the entire NFU Mutual brand, not just for their specific business offerings.

Can you shop by profession with NFU?

You can shop by specific professions and trades, such as caterers, tradespeople, office workers, event organisers and wholesalers. This might be a useful way to see the usual types of insurance applicable to the risks of your business, as well as the packages and optional add-ons available.

How to choose the right business insurance

The business insurance you choose needs to address the specific risks of your business. As a minimum, certain businesses may need one or more of the following types of cover to legally operate:

Employers’ liability insurance is a legal requirement if you employ anyone in the UK who isn’t family, or if someone in your family works for you and your business is a limited company.
Some professions, such as solicitors and architects, are required to have professional indemnity insurance by their governing bodies and regulators.
A specific level of public liability insurance may be necessary in order to carry out some work, including public sector contracts.
Business car insurance or commercial vehicle insurance is likely to be needed if you use a vehicle for work purposes.

How to get NFU business insurance

You can get a quote for an NFU Mutual business insurance policy in the following ways:

Request a call back: You can complete an online form and an agent will review your details and call you back.
Contact your local agency: NFU Mutual has a network of over 280 local agencies which you can call or visit.

How to save money on NFU insurance

Some possible ways to pay less for your business insurance by buying it with NFU Mutual include:

There are no cancellation fees if you decide to cancel during the policy term.
You won’t pay interest if you pay your premiums monthly by direct debit.
You don’t pay fees if you need to make changes to your policy mid-term.
For farmers, there are discounts on services and waiving of some excess charges if you’re part of NFU’s Union Advantage programme.

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