Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Brokers in Lytham St Annes & Lancaster
Established in 1971 by Guy Penn in Lytham St Annes, our firm operates as a trusted community insurance broker serving Lancashire and surrounding areas. With a 48-strong team based in Lytham St Annes and Lancaster, we specialise in delivering tailored commercial and personal insurance solutions to a diverse client base. As independent brokers, we maintain partnerships with reputable insurers to ensure competitive coverage and exceptional service. Since 2020, our affiliation with Ethos Broking has enhanced our market presence, granting access to exclusive policy wordings while preserving our regional focus.Our commitment to customer care remains unwavering, demonstrated through our 50+ years of local expertise and dedication to resolving insurance needs with professionalism and a personal touch. We prioritise transparency, value for money, and long-term client relationships, ensuring our services evolve with the changing insurance landscape.
Services
Commercial Insurance
Personal Insurance
Cyber Risks Cover
Motor Trade Insurance
Professional Indemnity
Property Owners Insurance
Boat Insurance
High Net Worth Policies
Travel Insurance
Goods In Transit Cover
Details
- Year established: 1971
Highlights and features
- We offer 50+ years of independent insurance expertise in Lancashire
- Our Ethos Broking partnership provides access to exclusive policy wordings
- 48 experienced professionals deliver tailored insurance solutions
- Local knowledge combined with national market strength
- Proven track record placing 12m+ in premiums annually
Associations and certifications
- Financial Conduct Authority
What people say
Tailored insurance solutions
Competitive premiums secured
Prompt claims resolution
Personal service maintained
Expert policy explanations
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions tailored to businesses of all sizes. Our services include Contractors All Risks, Cyber Risks, Professional Indemnity, and Motor Trade cover. With access to specialist insurers through Ethos Broking, we secure competitive policies that address specific business exposures while ensuring compliance and risk mitigation for Lancashire-based enterprises.
Personal Insurance
Our personal insurance portfolio caters to individual needs with flexible coverage options. From car and boat insurance to household and high net worth policies, we offer tailored protection that adapts to clients' lifestyles. Our local brokers ensure clear explanations of policy terms and provide ongoing support for claims or adjustments, maintaining our commitment to accessible, customer-focused service.
Risk Management
We specialise in identifying and mitigating potential business risks through strategic insurance planning. Our brokers conduct thorough assessments to create customised risk management frameworks that protect assets while optimising premium costs. This proactive approach helps clients prevent losses and maintain operational continuity in challenging circumstances.
Claims Handling
Our dedicated claims team provides prompt assistance for both commercial and personal insurance claims. We guide clients through the entire process, liaising directly with insurers to ensure fair and timely settlements. Emergency out-of-hours contacts are available for urgent claims, reflecting our commitment to continuous client support.
Ethos Broking Access
As part of Ethos Broking, we offer clients access to exclusive policy wordings and niche insurance products. This collective strength enhances our negotiating power with insurers while maintaining our independent broker status. Clients benefit from competitive terms and specialist cover options that might not be available through standard market channels.
People
Sara Kerr
Manager
Leading Guy Penn's 48-strong team, Sara Kerr oversees operations across both Lytham St Annes and Lancaster offices. With extensive insurance experience, she ensures the firm maintains its community-focused values while delivering modern insurance solutions to diverse client needs.
Linda Bury
Insurance Broker
Specialising in care home insurance for Bushell House Charity, Linda provides tailored policies with clear explanations. Her four-year tenure demonstrates Guy Penn's commitment to personal service, offering prompt responses and comprehensive coverage solutions for complex institutional requirements.
Clark Kent
Personal Insurance Broker
Renowned for resolving SME Skills Academy's payment issues within three days, Clark exemplifies Guy Penn's proactive approach. His ability to create custom insurance solutions underlines the firm's reputation for exceptional client service and problem-solving expertise.
Richard Chapman
Commercial Claims Specialist
Handling out-of-hours commercial claims, Richard provides continuous support for business clients. His role demonstrates Guy Penn's commitment to uninterrupted service, ensuring prompt assistance for urgent insurance matters beyond standard office hours.
Mark Evans
Commercial Broker
Maintaining long-standing client relationships, Mark ensures seamless transitions during organisational changes. His expertise in commercial insurance preserves the firm's tradition of professional service while adapting to evolving client requirements and market conditions.
Questions
What areas do Guy Penn Insurance Brokers cover?
We primarily serve Lancashire with offices in Lytham St Annes and Lancaster. Our services also extend to Cheshire and surrounding regions through our Ethos Broking network.
How does Guy Penn differ from online insurance providers?
As independent brokers, we offer personalised advice and tailored policies rather than standardised online quotes. Our local expertise ensures coverage that specifically addresses individual business or personal requirements.
Can I get specialist insurance policies through Guy Penn?
Yes, our Ethos Broking affiliation provides access to exclusive policy wordings and niche products for unique insurance needs that standard providers might not cover.
What happens if I need to make an insurance claim outside office hours?
Emergency out-of-hours contacts are available for urgent claims. Commercial clients can reach Richard Chapman, while private clients should contact Ann Marie or Sara Kerr for immediate assistance.
How does Guy Penn ensure competitive insurance rates?
We leverage our 50+ years of market experience and Ethos Broking's collective buying power to negotiate competitive premiums without compromising coverage quality or service standards.
What types of commercial insurance do you specialise in?
We offer Contractors All Risks, Cyber Risks, Professional Indemnity, Motor Trade, and Goods In Transit insurance, along with bespoke packages for manufacturing, marine, and liability coverages.
