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Published 14 March 2023

NFU Business Insurance Review

Find out the pros and cons of NFU business insurance and the types of cover it offers.

Many or all of the products and brands we review are from our partners who compensate us. This may influence which products we write about and the product we choose in our ‘promotion’. However it doesn’t influence our reviews. Our opinions are our own.

NFU 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 295 local agency offices across the UK, aiming to provide a personal service to members including quotes that are built around your business.


NFU Mutual Business Insurance

  • Maximum Cover Amounts
    Employers Liability: £10m
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Always check terms & conditions for suitability before applying.

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NFU business insurance pros and cons


  • Local agents can help you design your cover and manage your policy in person or over the phone.
  • You can pay your premium annually or in monthly instalments.
  • You can shop by specific industry or trade.
  • You can make a claim over the phone.


  • Customer service agents cannot be contacted at weekends.
  • Self-service policy management is limited, as you need to contact an agent.
  • You can submit your details for a quote online, but you’ll only receive a price through a callback.

These pros and cons are based on a survey of UK business owners on what they found important when selecting a range of business products, conducted by NerdWallet in December 2022.

NFU business insurance key features

NFU business insurance full review

NFU Mutual offers its insurance and expertise through its local agents, which you can contact online or over the phone, or visit at an office. 

Its origins lie in farming, but it has built a sizeable offering for business of all shapes and sizes, including sole traders. You’ll find the standard liability covers, along with protection for vehicles and rental properties.  

Find out more about NFU business insurance – including how it measures up to key priorities of business owners, according to our NerdWallet survey.

What types of business insurance does NFU offer?

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

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 and plant. 

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 insurance features

Here’s a closer look at the features of insurance offered through NFU. We’ve also considered what business owners said was most important to them in our NerdWallet survey. 

Professions and trades covered 

NFU Mutual offers cover for a large number of trades and sectors, with just a few examples below:

If your trade or sector isn’t mentioned on the website, or if you’re not sure if it would cover you, an NFU agent can help explain.

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.

In our survey, the option to pay monthly was the second most important factor, with annual payment ranking fourth. So having this choice is a priority for many. 

Online policy management 

Web-based policy management was ranked third in importance in our survey, so it’s a key consideration for many businesses. 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 

You can call its UK-based agency offices about your cover to make changes 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.

Phone support was only ranked eighth in importance in our survey, with effective self-service through an online dashboard seen as more of a priority for most. However, the local, in-person or phone option could make the process feel more personal when compared with large, national contact centres.

Making a claim 

To make a claim on your business insurance, you will need to know the policy you are claiming on and how you bought it, as well as how urgent it is. The routes are as follows:

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.

In our survey, being able to make a claim online was the number one priority in the survey, considered an important factor for nearly half (48%) of business owners.

Customer reviews

NFU Mutual has a Trustpilot rating of 4.5 out of 5 stars, based on over 4,000 reviews (as of 8 March 2023). Bear in mind 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 and the packages (and optional add-ons) available. 

In our NerdWallet survey, shopping by industry was ranked seven out of 10 in importance, with convenience and industry expertise a factor worth mentioning for some.  

Always focus on your own business risks, though, as these won’t be the same for everyone. This is something an NFU agent can help you consider.

How to choose the right business insurance

The business insurance you choose needs to address the specific risks your business faces. There is a wide choice of cover available, but some businesses need at least the following cover to be able to operate:

When it comes to choosing between providers after getting a quote, always look at the level of cover provided, not just the price.

How to get NFU business insurance

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

You can also use an online form to get a quote for some types of cover, such as retailer insurance. You fill in details about your business, including its legal structure, turnover, location and when you started trading, as well as basic personal details and your preferred policy start date. You will then receive a call back. 

How to save money on NFU insurance

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

Review methodology

At NerdWallet Ltd UK we base our reviews on the results of surveys we conduct to understand what key product features are important to those who use them, and align them to the product we review.

Product details reflect the information that was available at that time but may have changed since. We strive to give you a review on as many products as possible but it is likely there are others available that we have not reviewed. The review is our opinion, but it does not constitute advice, recommendation or suitability of your financial circumstances.

You can view our review methodology here.

About the Authors

Brean Horne

Brean was a writer and spokesperson for NerdWallet who covered a variety of topics including money-saving tips, credit scores and managing debt. With over five years' experience in finance, she…

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Holly Bennett

Holly champions clear, jargon-free writing. She’s been creating finance content for leading organisations for over 10 years.

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