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Commercial Insurance

Telephone: 0116 265 4300

Commercial Insurance

Business

Commercial Insurance

Mitigating risk. Protecting your business.

Erskine Murray’s commercial insurance team work across many industries and sectors, providing bespoke insurance solutions to large businesses including multinational companies as well as international corporates.

We pride ourselves on working closely with our commercial clients, taking time to understand their business, growth patterns and aspirations. This allows us to accurately assess the risks involved and explore how we can mitigate, reduce or eliminate exposure, setting us apart as an insurance broker for the commercial sector. Generating an individual risk profile forms a major part of our offering, along with on-going risk management as our clients’ businesses evolve.

We are members of the Willis Towers Watson Networks and Unison which further enhances our expertise and capabilities both in the UK and overseas. Using these relationships, we access and deliver innovative and cost-effective solutions that provide maximum protection for our client’s businesses and associated assets.

With a Midlands based head office in Leicester, and regional offices in the North West and South East, we employ a wide network of staff comprising dedicated regional and field-based Account Executives, giving us a national reach.

Commercial insurance refers to the coverage of multiple types of business insurance; this can include property damage, business interruption and warehouse insurance. When combined, these policies can serve to protect businesses in all insurable eventualities. Depending on the level of cover, commercial insurance can also protect business owners from insurance claims made by the public, customers or employees.

At Erskine Murray, we explore each client’s situation so that we fully understand the needs of their insurance cover. From this, we are able to offer tailored commercial insurance products to meet the unique requirements of businesses and business owners.

Choose your

Commercial Insurance by Sector 

Architects and Consulting Engineers

The Code of the Architects Registration Board (ARB) requires Architects to have adequate and appropriate insurance cover.

Motor Fleet

We have the market leverage to deliver best in class vehicle and fleet insurance.

Charity and Not For Profit

We strong links to insurers who specialise in this sector, we help to reduce claims exposure and improve your risk knowledge.

Construction and Contracting Allied Trades

We provide insurance policies to a number of clients in this sector, with turnovers ranging between £25m - £75m.

Food and Drink

We have access to the latest specialist Food & Drink practice, giving us up-to-the-minute risk insight and analysis, helping us to minimise clients exposure.

Healthcare

We will work with you to identify and control risk, and strengthen your arrangements for accident prevention.

Hospitality and Leisure

Sharing of knowledge is a key, we'll gather a greater understanding of your risk exposure, especially with regard to Employers and Public Liability.

Manufacturing and Engineering

Positioning ourselves at the forefront of developments, we create innovative risk solutions, utilising a specialist risk resource to help reduce exposure.

Motor Trade

We delve in to the nuts and bolts of a clients business to assess risk, in order to create a relevant and bespoke insurance policy.

Property Owners

Insurance policies designed to protect commercial, residential and mixed-use properties and portfolios of multiple properties.

End of Life Services

Specialised insurance solutions for Crematoriums, Funeral Directors and Graveyard businesses.

Cyber

If your business is reliant on digital systems, you face significant financial, operational, reputational, legal and regulatory risks without cyber cover.

Retail

Traditional or online, we can help you manage your business risks with customised cover designed to protect your assets, employers and livelihood.

Architects and Consulting Engineers

The Code of the Architects Registration Board (ARB) requires Architects to have adequate and appropriate insurance cover.

The responsibility is on the Architect to ensure that the level of indemnity maintained is appropriate for the scale and nature of work undertaken. In any event the ARB requires Architects to hold a limit of indemnity of no less than £250,000.

Key Considerations

  • ARB requirement to maintain professional indemnity insurance.
  • Professional indemnity insurance designed to cover both claims against you and defence costs for mistakes you make whilst undertaking professional services.
  • ARB requires minimum of £250,000 but it’s the Architects responsibility to ensure level maintained is appropriate.
  • Circumstances in which claims arise vary substantially so consideration must be given to the scale and nature of work undertaken.
  • Question of what limit of indemnity to hold should be made whilst considering what is the degree of loss that might result from an error on any scheme.
  • Professional negligence claims can result is substantial settlements and legal costs which can far exceed the project value.

We arrange cover for a range of Architectural firms from international award-winning firms to sole trader practices. We treat every client individually and often modify policies to respond to specific requirements. If you contact us, you will have access to experienced members of our team who are interested in you and your business and who will be able to offer you direct and sensible advice.

Motor Fleet

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Charity and Not For Profit

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Construction and Contracting Allied Trades

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Food and Drink
Healthcare
Hospitality and Leisure
Manufacturing and Engineering
Motor Trade
Property Owners
End of Life Services
Cyber
Retail

Meet our

Team

[email protected] Telephone: 0116 265 1048

Natalie Desborough

Account Handler

[email protected] Telephone: 0116 265 1067 Mobile: 07393 147282

Angela Armstrong

Regional Broking Manager

[email protected] Mobile: 07876 838397

Darren Payne

ACII

Account Executive

[email protected] Mobile: 07903 755393

Martin Commins

ACII

Account Director

[email protected] Telephone: 0116 265 1055

Simon Hinson

Cert CII

Account Handler

[email protected] Mobile: 07831 580994

Lee Selfe

Cert CII

Associate Director

[email protected] Telephone: 0116 265 1970

Gunjan Pancholi

Cert CII

Account Handler

[email protected] Telephone: 0116 265 1060

Anita Thakur

Dip CII

Account Handler

[email protected] Telephone: 0116 265 1032 Mobile: 07908 842760

Georgia Leigh

Cert CII

Head of Midlands Region

[email protected] Telephone: 0116 265 1047

Doug Crowley

Account Handler

[email protected] Telephone: 0116 265 1042

Andrew Randle

Cert CII

Senior Account Broker

[email protected] Telephone: 0116 265 1061

Mitul Patel

Cert CII

Senior Account Broker

[email protected] Mobile: 07985 165208

Adrian Vincent

Senior Account Director

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.