Business Details
22 Years
experience
Independent Commercial Insurance Solutions
Established in 2004 by Colin Cosgrow, Benson James operates as an independent insurance broker based in Upminster, Essex. Our founder's extensive background in multinational insurance broking houses identified a market gap for tailored services to medium-sized businesses. We specialise in delivering comprehensive insurance programmes at competitive prices, prioritising clear communication and professional yet approachable client relationships.With access to the entire insurance market, we focus on creating bespoke solutions that address individual business needs across commercial sectors. Our expertise spans construction, manufacturing, property ownership, and fleet insurance, supported by regulatory oversight from the Financial Conduct Authority.
Services
Commercial Combined Insurance
Commercial Motor Fleet Insurance
Property Owner Insurance
Construction Insurance
Manufacturing Insurance
Commercial Liabilities
Details
- Year established: 2004
Highlights and features
- We operate as an independent broker with full market access
- Our team has specialist knowledge in commercial insurance sectors
- We provide tailored insurance programmes for medium-sized businesses
- We maintain FCA regulatory compliance for client protection
- Our service combines professionalism with accessible communication
Associations and certifications
- Financial Conduct Authority
Services
Commercial Combined Insurance
We provide comprehensive insurance packages that combine multiple business coverages into single policies. Our solutions include material damage protection, business interruption cover, and liability insurance. This approach simplifies risk management for commercial clients while ensuring complete protection across operational aspects.
Commercial Motor Fleet Insurance
Specialist insurance solutions for commercial vehicle fleets across various industries. We offer coverage options including goods in transit protection, hauliers liability, and excess recovery. Our access to major insurance markets enables tailored policies for businesses with diverse transportation needs.
Property Owner Insurance
Insurance coverage for commercial and residential property portfolios of all sizes. We provide policies addressing unique risks including high-risk tenants, non-standard construction, and unoccupied properties. Our expertise simplifies complex insurance requirements for property owners.
Construction Insurance
Tailored insurance packages for construction industry professionals. We cover general builders, civil engineers, and specialist trades with policies addressing site-specific risks. Our market access ensures appropriate coverage for projects ranging from small developments to large-scale construction.
Manufacturing Insurance
Comprehensive insurance solutions for manufacturing and distribution businesses. Our policies address asset protection, business interruption risks, and liability coverage. We conduct on-site risk assessments to create bespoke insurance programmes that match specific operational requirements.
People
Colin Cosgrow
Founder
Established Benson James in 2004 after director roles at multinational insurance firms. Identified market need for independent broker services focused on medium-sized businesses. Brings extensive industry experience to strategic decision-making.
Questions
What commercial insurance services do you offer?
We provide combined business insurance, fleet coverage, property insurance, construction insurance, manufacturing insurance, and commercial liability policies tailored to business needs.
How are you different from other insurance brokers?
As an independent broker, we have full market access without affiliations, enabling impartial recommendations and competitive pricing for bespoke insurance solutions.
What does commercial combined insurance cover?
Our combined policies typically include material damage, business interruption, liability coverage, goods in transit, and cyber liability protection under single policy frameworks.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (registration number 313928) for client protection and compliance assurance.
What are your business hours?
Our office operates Monday to Friday from 9:00 AM to 5:00 PM. We are closed on weekends but remain accessible via email outside office hours.
