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“Don’t take the risk when it comes to your customers, staff, business and cover providers” says The Retail Mutual.

The Retail Mutual have launched a ‘Don’t Take the Risk’ campaign encouraging high-street businesses to identify and manage potential risks that could occur on their premises.

They have created a free in-depth risk-assessment guide for high-street businesses that not only highlights common risks but also provides solutions to help reduce those risks.

As many retail businesses are struggling financially and in some cases made to close, as they are deemed to be non-essential, many are at risk of closing altogether. Consequently, business owners are trying to find ways to reduce their overheads. One particular way of doing this is by not renewing business cover or reduce their cover limits, however if an accident were to happen, they would find themselves financially worse off.

Kirsty Hampton, Mutual Manager for The Retail Mutual says, “Many of our Members are struggling and are having to find new, innovative ways to adapt their businesses, but some are also failing to carry out thorough risk assessments beyond risks associated with Covid-19. The last thing these businesses need is an additional incident happening due to neglected and unidentified risks, adding to the financial strain they are already facing as a result of this pandemic.”

As non-essential businesses have had a particularly hard time and were forced to close, some believe that they don’t need to renew their cover as they are not open. However, the Retail Mutual wants to remind these businesses that accidents still can and do happen, such as burst pipes, fires and break-ins. Don’t take the risk!

To download a free risk-assessment guide, just head over to The Retail Mutual’s website ( and select the right risk assessment template for your hair salon, barbershop, catering business or retail store.

Find out more about the Retail Mutual here!

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