Small Business Cover

Call us on 0203 903 5357

For more complex needs you can call us for a quote or email us at business@military-mutual.co.uk

Quick Quote Online

You can get an instant quote for liability cover and buy cover online if your needs are met by the following range and limits of cover:

  • Public Liability  – up to £5m
  • Employers Liability  –  up to £10m
  • Tools  –  up to £10,000

Mutual Product

Call Us On 0203 903 5357

For more complex needs you can call us for a quote. We can offer a wide range of cover for your business, charity or museum including:

  • Trustees
  • Professional Indemnity
  • Property and Material Damage
  • Contents and Stock
  • Business Interruption
  • Public and Products Liability
  • Employers Liability
  • Money
  • Fidelity
  • Personal Accident
  • Cyber
  • Legal Expenses

Pay Monthly at No Extra Cost – Interest Free

These products are designed for a wide range of small businesses including, retailers, sole traders, partnerships, charities  or museums with with varying complexity of needs. 

Your cover will either be provided by the Mutual ourselves or a mixture of ourselves and third party underwriters based on the needs you specify to us.  

Liability Product

Quick Quote Online

You can get an instant quote for liability cover and buy cover online if your needs are met by the following range and limits of cover:

  • Public Liability  – up to £5m
  • Employers Liability  –  up to £10m
  • Tools  –  up to £10,000

Pay Monthly at No Extra Cost – Interest Free

This products is designed for any small business, sole trader or partnership seeking Liability cover. This cover is important if you:  

  • Interact with customers, clients and members of the public
  • Undertake work on client sites such as construction sites or a clients home or office
  • Work at events or fairs
  • Have visitors to your premises or meet people in public through your work
  • Need cover for your tools or business equipment

This product is underwritten by Convex Insurance UK. Convex Insurance UK Limited is a company registered in England & Wales with registration number 11796392.  Registered address at 52 Lime Street, London, EC3M 7AF United Kingdom.  Convex Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Number 840616).

Whatever product you decide is right for you by purchasing cover you will become a member of The Military Mutual, be able to have a say in what we do and, help us to fulfil our aim of supporting the Military Family.  We are especially focussed on the needs of military charities, museums, service funds, military veteran owned businesses and proud supporters of our armed services. 

Who Provides Your Cover

The Military Mutual offers cover on a discretionary basis to its Members which means the Board can, at its discretion, settle claims outside the normal terms and conditions if they feel that Members would support this.

We collect contributions from our Members and use the contributions to pay claims and to cover operating expenses. Any surplus beyond these needs belongs to our Members and can only be used for the benefit of our Members or as agreed by our Members.

As an added benefit of membership, TMM has purchased for some of our discretionary mutual products additional protection for itself and for the benefit of our members via contractual insurance policies. These Group Insurance Policies exactly match your mutual cover with us. The protection available under these policies guarantees that you will be paid for a covered loss in the event that we do not pay you in full under the discretionary cover. These Group Insurance Policies are quite separate from your discretionary cover  and are available on request by emailing: admin@military-mutual.co.uk

The Military Mutual provides cover for employee liability claims in our mutual product. However, in order to meet the statutory requirements for Employee Liability protection we have provided members with additional contractual insurance through an additional policy with a 3rd party insurer.  This policy exactly matches your mutual cover and allows an Employee Liability Certificate of Insurance to be issued to you alongside your mutual cover.

© 2020 The Military Mutual. The Military Mutual Limited is a company registered in England and Wales with registered number 7147130 and its registered office is 54 Fenchurch Street, London EC3M 3JY.The Military Mutual Limited (FRN: 623886) is an appointed representative of MGA Managers Limited which is authorised and regulated by the FCA under FCA Ref: 771791. MGA Managers Limited is a company registered in England and Wales No. 10361505. Registered office Craven House, 16 Northumberland Avenue, London, United Kingdom, WC2N 5AP

The Military Mutual also offers a core Liability cover under our own brand but underwritten by Convex Insurance UK through a Coverholder Agreement with MGA Mutual Limited.

The Military Mutual will receive a commission from this business which will go into the mutual fund and be used to cover our operating expenses and benefit the work we do in support of the military family. 

If you buy cover from The Military Mutual through this route you still become a member of the Mutual. 

We only work with trusted partners who provide quality cover and claims service and we will be fully engaged in the service you receive. The Military Mutual will administer your policy.

If you need to make a claim, Convex Insurance UK will work closely with you to minimise the impact on your operations. Their approach is aligned well with ourselves with a strong desire always to be fair and transparent – communicating clearly and working collaboratively with you to resolve any issues. As a member of the mutual you also have the ability to appeal to the Board of The Military Mutual for consideration of a discretionary payment from the mutual fund if your claim is not covered by your policy terms and conditions and you feel a payment could still be justified.

This product is underwritten by Convex Insurance UK. Convex Insurance UK Limited is a company registered in England & Wales with registration number 11796392.  Registered address at 52 Lime Street, London, EC3M 7AF United Kingdom.  Convex Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Number 840616).

Telephoned Military Mutual today after receiving their leaflet through the post and I am glad i did, i was speaking with a very pleasant young lady Sasha who set up my home and contents insurance very promptly and at a very reasonable price.

A. Perry

I have received the payment, thank you so much for all your help, you’ve been really helpful and I’m very pleased that I picked such a good company for my home cover!

K. KerridgeHome Insurance customer

I appreciate The Military Mutual helping out an ex-serving member. It’s nice to see a company that helps out the military and ex-military personnel.

CD, Midlothian (ex-Army)Buildings & Contents Cover

I sent an email in the morning and got a call back in the afternoon. After a good, interesting and informative conversation I have happily taken out a policy, and will come back for a car insurance quote as and when.

DB, Gosport (ex-Royal Navy)Home & Contents Cover

I found The Military Mutual to be prompt; you rang us today as you said you would. The people I spoke to were courteous, and gave me very competitive prices. I cannot fault you!

GJ, Manchester (ex-Army)Home Cover

The Military Mutual has given me an outstanding quote. I am truly impressed on how superb the service is and I will recommend The Military Mutual to everybody who asks me.

GS, London (currently serving in the Army)Military Kit & Personal Belongings Cover

I follow The Military Mutual on Twitter and I think that it’s really good that you look after military personnel. You answered all my questions and explained all of my options. I had an A1 service from the people I spoke to.

DH, Gosport (ex-RN)Home Cover

Very friendly and helpful. Great product, price and service. Highly recommend.

MS, Devon (ex-army)Home Cover

I would like to take this opportunity to congratulate you on your colleague Steve’s professional and courteous manner in which he dealt with me on the phone. After saving £90 on my Home Insurance renewal I will have no hesitation in recommending your company to my friends and colleagues!

Mr Gary D

Frequently Asked Questions

What does our Small Business Cover provide?

Our Small Business Cover can protect you, your business and your property, whether you’re a sole trader or a growing enterprise. It can cover a number of risks including public liability, employers’ liability, professional indemnity, business interruption, stock, buildings, contents fixtures and fittings.

The kind of cover you need will depend on the sort of business you run.

Do I need Small Business Cover?

Regardless of what your business does, anyone in the UK that employs one member of staff or more is required by law to have employers’ liability cover.

This cover covers the business in the event that an employee who is injured at work or who becomes ill as a result of their work for the business makes a claim for compensation.

Certain types of businesses – for example, government departments and businesses which are not limited companies and only employ family members – are exempt but all other businesses must comply with the legislation.

Even if you’re a sole trader or freelancer it’s likely you’ll still need public liability cover; this is the most common type of cover taken out by small businesses.

What is public liability cover?

Public liability insurance covers your business if someone dies or is injured in some way by your business, or if you damage third party property when carrying out work. Bear in mind that even minor damage to someone else’s property could lead to hefty costs if the case goes to court, and these are included in the cover.

What is employers’ liability cover?

Employers’ liability insurance is required by law if you employ one or more people.

It’ll cover claims from employees who’ve been injured or become ill as a result of working for you. If you have employees, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance.

 

What is professional indemnity cover?

If you provide advice to customers you’ll want to consider professional indemnity cover. It’ll keep you covered if a client suffers a financial loss through the advice you give, and makes a claim which you’re unable to pay.

 

What type of cover do I need?

Every business is different and the type of cover required largely depends on what type of business you operate, how large it is and what sort of assets you need to protect. Why not give us a call to discuss your needs further on 0203 903 5357.