Business Details
Specialist Commercial Insurance Solutions
We are an independent insurance broker dedicated to providing tailored commercial insurance solutions for small to medium-sized businesses. Our approach focuses on building long-term relationships through personalized service, supported by exclusive partnerships with leading insurers. With over two decades of experience in the industry, we combine market expertise with a client-centric philosophy to deliver comprehensive coverage options. Our team of specialists works directly with clients to understand their unique risk profiles and develop customized insurance strategies. Recognized as Schemes Intermediary of the Year 2011 by Insurance Age, we maintain high standards of professionalism and service excellence.As an FCA-authorised firm, we adhere to strict regulatory requirements while maintaining transparency in all our operations. Our commitment extends beyond policy placement to ongoing support and risk management advice. We pride ourselves on our deep understanding of niche markets including dental laboratories, health food retailers, and garden designers. Our direct communication channels ensure clients receive timely responses to their insurance needs. Through continuous market analysis and product development, we remain at the forefront of emerging insurance solutions for specialist industries.
Services
Employers Liability
Public Liability
Commercial Property
Motor Fleet
Professional Indemnity
Legal Expenses
Directors & Officers Liability
Personal Property
Highlights and features
- We are FCA-authorised independent insurance brokers
- We offer exclusive insurer relationships for better coverage options
- Our dedicated account managers develop long-term client relationships
- We specialise in tailor-made products for niche industries
- We provide direct access to specialist insurance expertise
Associations and certifications
- Financial Conduct Authority
What people say
Understand our requirements
Specialist Credit Insurance Protection
Recommended to us 10 years ago
Dedicated account managers
Tailor-made products
Services
Employers Liability
We provide essential employers' liability insurance to protect businesses against workplace injury claims. Our policies meet statutory requirements while offering comprehensive coverage for legal expenses and compensation claims. With tailored solutions for SMEs, we ensure compliance and financial protection for employers across various industries.
Commercial Property
Our commercial property insurance covers buildings and contents against damage from fire, flood, and other risks. We offer flexible policies for business premises including specialist coverage for high-risk inventory and equipment. Our solutions protect both owned and leased commercial properties with options for business interruption coverage.
Professional Indemnity
We provide professional indemnity insurance for businesses offering expert advice or services. Our policies cover legal costs and compensation claims arising from alleged professional negligence. This protection is essential for consultants, designers, and other professionals facing potential liability for their work.
Public Liability
Our public liability insurance protects businesses from claims by third parties for injury or property damage. We offer coverage for incidents occurring on business premises or through business operations. This essential protection helps maintain financial stability in case of customer-related claims or accidents.
Motor Fleet
We provide comprehensive motor fleet insurance for businesses with multiple vehicles. Our policies cover commercial vehicles against damage, theft, and third-party claims. With flexible options for different vehicle types and usage patterns, we help businesses manage their transport-related risks effectively.
People
Martin Bell
Managing Director
Martin Bell leads UK Special Risks with over 20 years' experience in commercial insurance. He focuses on developing specialist insurance solutions while maintaining personal client relationships. Under his leadership, the company won Schemes Intermediary of the Year 2011.
Questions
What specialist insurance sectors do you cover?
We specialise in insurance for dental laboratories, health food retailers, garden designers, and other niche industries with specific risk profiles.
How are you different from other insurance brokers?
We combine FCA-authorised expertise with exclusive insurer relationships and dedicated account management for specialist industries.
Do you cover businesses nationwide?
While based in Maidstone, we provide insurance solutions for businesses across the UK through our nationwide insurer networks.
How do you handle insurance claims?
We support clients through the claims process with direct access to our specialist team and established insurer relationships for efficient resolution.
What insurance types do you offer?
We provide employers' liability, public liability, commercial property, motor fleet, professional indemnity, and other business insurance types.
Why choose UK Special Risks for insurance?
We offer tailored insurance solutions with specialist knowledge, personal service, and exclusive products developed for niche business sectors.
