Insurance services


Our expert Insurance Broker is a specialist commercial insurance broker authorised and regulated by the Financial Conduct Authority.

He works in partnership with clients to understand  their needs and work out the best solutions for each of them. We recognise that every client is different.   Unlike many insurance brokers our expert operates a wide insurer agency base and does not limit his negotiations to a small panel of insurers.

His carefully strategised approach maximises market competition (and not their earnings) delivering  measurable value to  clients both in terms of potential premium savings and a bespoke cover solution to match the client’s needs.

Industry experience and expertise enables our expert to introduce our clients to insurance companies which they may not have had access to in the past.

Our insurance expert works for a number of national associations in recognition of his proven expertise and quality of service.


Free Audit


Our radically different approach to the traditional renewal process or quotation process is designed to produce results to allow you to identify the strengths and weaknesses of your current insurance and risk management programme and how to address them more cost effectively.


  • A complete Due Diligence review of your current insurance program identifying the strengths and weaknesses in a clear and concise manner.
  • We can also help you implement an employee benefits programme suitable to your business, which will help attract and retain employees.
  • The service provided can be delivered face to face and via a unique online platform allowing 24/7 world wide access to your insurance and claims information.


Additional Services available


Employee Benefits programme

This service has been specifically designed to be flexible enough to be moulded to best suit your business. Such packages are usually only available to the largest employers, but our insurance expert  can provide our clients with access to these benefits for their employees.

Adding value to the benefits you can make available to your employees will help you to attract and retain employees.


Claims Assist:

For larger property and business interruption claims, a professional loss assessor can be personally assigned to prepare your claim and negotiate on your behalf.

Your loss assessor will act solely for you and be available to attend your premises within 48 hours to discuss the claim and to represent you at meetings with the insurer’s representatives.

Your loss assessor will give you advice relating to measures necessary or advisable to secure and make your premises safe, to mitigate the loss, to salvage partially or undamaged goods and to minimise the disruption to you and your business.

Your loss assessor will prepare and present your evidence which verifies the loss. He will also liaise with your accountants to prepare and quantify the business interruption claim.



“Now that things are completed after the flood in Cockermouth and the tills are ringing again, I just wanted to drop a line to thank you for the quick and caring service you and the Royal insurance have given to my Tennant Andrew Marshal. As landlord I want to put on record how much I have appreciated your excellent and professional service and that of your loss adjuster.”

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