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Commercial Insurance and Financial Services at KGJ

Commercial insurance and financial brokers can provide peace of mind to business owners and investors whilst allowing businesses to build credibility and trust with their customers and partners. The right insurance policy will help mitigate risk by transferring some of the liability to the insurance company, helping to avoid or reduce the financial impact of unexpected events.

The insurance marketplace can be confusing, and finding the right policy among the thousands on offer is daunting and time-consuming, not to mention full of unnecessary extras, exclusions and get-out clauses. KGJ is here to provide expert advice and commercial insurance broker services, helping business owners to navigate the maze with over five decades of experience at their side.

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We are a fully independent commercial insurance broker, beholden to no insurance company, and are here to help and protect you with our tailored insurance coverage. Find out how we can help you.

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Our Commercial Insurance Services

Property Insurance

Protect your commercial property or property portfolio against potential risks, damages and unexpected events with our wide range of property insurance policies.

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Key Person Insurance

Business owners and managers need to protect their companies against the loss of key, high-level personnel. Key person insurance provides the funds needed to put temporary staff in place.

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Group Private Medical Insurance

It is highly cost-effective to provide medical insurance through group schemes and it is easy to set it up too – even more so with KGJ’s expertise at your side.

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Fleet Insurance

With fleet cover available for as few as two vehicles, motor insurance can protect your fleet and your business from accidents, theft and damages.

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Business Insurance

From public liability to equipment protection insurance, businesses often require an array of insurance policies. Let us help you find the right one.

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Our Commercial Financial Services

Company Pension Schemes

Company pension schemes are designed to help employees save for their retirement by making regular contributions to an investment fund that grows over time.

Death in Service Policies

This benefit provides financial support to an employee's loved ones during a difficult time and can be an important factor in attracting and retaining talented employees.

Inheritance Tax Planning

By structuring affairs in a tax-efficient manner, business owners can ensure that their estate is passed on to beneficiaries in the most cost-effective way.

Tax Planning for Directors

Directors can ensure they are making the most of available tax breaks with tax-efficient pension contributions, investment opportunities and remuneration packages.

Succession Planning

Succession planning involves developing processes for the transfer of leadership and ownership of a business, or other assets from one generation to the next.

Corporate Investment

The aim of corporate investment is to generate a return on the company's cash reserves, which can be used to fund future growth or pay dividends to shareholders.

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Why Choose KGJ As Your Commercial Insurance Broker?


Our insurance broker services are trusted by clients across a range of commercial businesses of all sizes, designed to secure them against the financial losses associated with unintended and unforeseen circumstances.


Our reputation is built on our ability to seek out the insurance policy that best suits the needs of each client, unfailingly putting their best interests first, every time.


We are not cowed or influenced by insurance providers into supplying their policies, and can give clear, honest information on complicated topics, ensuring our clients always walk away happy.


KGJ offers a highly personalised advice from a trained commercial insurance broker. If anything goes wrong with your insurance policy, we will be by your side, ready to help whatever happens.

Our Customers

We’ve been privileged to provide our services to many different clients over the years. Here’s what just a few of them have said about working with KGJ.

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What Is Commercial Insurance?

Commercial insurance is a type of insurance policy that businesses purchase to protect themselves against financial losses from unexpected events or incidents that can occur during their operations.

Obtaining the right policy is vital to manage risk and meet legal requirements, but it can be difficult to decipher what cover you need. There are a myriad of different commercial insurance policies available, each covering different risks that businesses may face, from public liability insurance to professional indemnity insurance, and beyond. For example, businesses with employees will legally be required to cover their employees if they suffer a workplace injury.

Our helpful team of commercial insurance brokers can assist in finding the right commercial insurance policies for you, if you need commercial property insurance, or maybe key person insurance , each one highly customisable to meet the unique needs of your business, designed to cover a range of risks, such as property damage, liability claims and business interruption.

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