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The Retail Mutual was established as The NFRN Mutual in 1999 when the National Federation of Retail Newsagents (NFRN) approached Regis in search of a better insurance solution for their members. Fed up with high premiums and a lack of choice in the market, newsagents welcomed the new alternative. It offered them better group buying leverage, a more sympathetic approach to the handling of their claims and a sense of community that united independent retailers.
The NFRN Mutual had long been a first port of call for high-street news retailers looking for competitive cover. But with many of these businesses now expanding into the convenience sector, and retailers in other sectors keen to enjoy the benefits of a mutual, the team realised it was time to redesign its offering. Thus in 2016 The Retail Mutual was born. Whilst remaining loyal to its core membership of news retailers, The Retail Mutual now provides cover to a diverse range of businesses, from pubs and post offices to farm shops and florists with many more in between.
As the competition gets stronger, many independent retailers these days are looking for innovative ways to save money or boost their income. The Retail Mutual continues to grow it’s offering in response to the needs of our Members.
The Activities Industry Mutual (AIM) has been providing cover for the outdoor activity sector for over 10 years.
It has grown from small beginnings to become one of the market leading providers in the sector with over 750 clients (or Members) and an annual income in excess of £2.3M. Owned by its Members, it provides cover for both organisations and individuals providing activities ranging from water sports and cycling to climbing and coasteering.
The last 10 years has seen a period of structural change for the outdoor sector and the role of AIM has evolved within this changing environment. There have been significant changes in both the scope of providers and their approach to safety management.
AIM has also seen a number of new areas of development beyond traditional outdoor centres including indoor climbing, canyoning, coasteering and downhill mountain biking. Schools have become increasingly risk averse during this period. AIM has helped operators face these challenges by supporting a professional approach to safety management amongst its members.
In addition to this there is a more obvious financial benefit for long term Members in terms of the potential for rebates. Having been established for over 10 years, AIM is now able to look back at previous years and, where possible, provides a distribution of surplus on contributions paid. This is unique to a mutual and a reflection on the good safety and claims record of AIM members.