Small Business Cover

Small Business Cover Tailored to Your Needs

  • Flexible cover for most sole traders including retailers, consultancies, restaurants and offices
  • Tailored cover for small to medium sized enterprises, with the flexibility to grow and evolve with your business
  • Limits and excesses customised to your needs
  • We’re particularly interested in supporting the needs of military veterans
  • No admin fees if you amend your cover
  • No interest charges for paying monthly
  • A full range of cover including professional indemnity, employers’ and public liability, office, retail and other business premises

Why Choose The Military Mutual

  • Available to everyone, whether you’re serving, a veteran, a pensioner, a family member or a proud supporter of our armed forces
  • Flexible cover built to suit your needs
  • We’re a Mutual which means we have no shareholders; any surpluses generated in the future belong to our Members and can be used to support military-related causes

What Ever The Need…

We understand that every business is unique and appreciate the challenges of running a business. We’re here to help make protecting your business easy and give you peace of mind.

Call us on: 0203 903 5357
Email us on:

Together we’re Stronger

As a Mutual we’re owned by our Members. Because we don’t have shareholders who expect to be paid dividends, any future surpluses can be used to re-invest in products and services and support the wider military community.

However, you don’t have to be in the armed forces to be a Member or take out cover with us. If you support our armed forces and believe they do a great job you’re welcome to join us.

When you take out cover with us, you automatically become a Member of The Military Mutual, which means you can have a say in how the business is run, if you want to. Any surplus funds we generate in the future can be used to benefit our Members and support a range of military causes. So switch to us today, and not only do you get bespoke cover, you could also help us support our armed forces.

Find out what we can do for you

Send Us a Message

Ready to have a conversation?

Call Us On 0203 903 5357

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 with the mutual.

These policies are available on request by emailing:

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.

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.