Commercial Insurance Bunny couple
KGJ Main Leaf

Commercial Services at KGJ

Commercial insurance and financial services 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 broking services, helping business owners to navigate the maze with over five decades of experience at their side.

Get Free Advice

We are a fully independent 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.

KGJ Main Leaf

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more
KGJ Main Leaf

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.

KGJ Main Leaf

Why Choose Us?


Our 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 service from a trained adviser. 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.

KGJ Main Leaf

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 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.

Bunny Couple
KGJ Main Leaf


What are the different types of commercial insurance policies?

There are many different types of commercial insurance policies that businesses can purchase to protect themselves against a variety of risks. Some of the most common types of commercial insurance policies include:

  • Public and Products Liability Insurance: This type of insurance covers businesses against claims of bodily injury and/or property damage. It is often considered a foundational policy for businesses of all sizes and types.
  • Property Insurance: This covers physical assets such as buildings, equipment, inventory/stock and supplies against damage or loss from fire, theft or other covered perils.
  • Business Interruption Insurance: Coverage for lost income and other expenses incurred when a business is unable to operate due to a covered event, such as a natural disaster or equipment failure.
  • Professional Indemnity Insurance: This is coverage for businesses that provide professional services, protecting against claims of negligence, errors or omissions.
  • Commercial Motor Insurance: Coverage for vehicles owned or used by a business.

These are just a few examples of the many types of commercial insurance policies available. The specific insurance needs of a business will depend on various factors, such as its size, industry and risk profile. However, it's always best to consult with one of our commercial insurance specialists to determine the appropriate coverage.

How do I get commercial insurance?

If you are looking to obtain commercial insurance, the best way is to speak with one of our commercial insurance specialists. With their support, you can receive expert guidance on what type of coverage would best suit your business’s needs and determine how much coverage will be required.

The first step in securing commercial insurance is to have a detailed analysis of your business's risk profile by one of our commercial insurance specialists. This will enable you to choose the most appropriate level of cover for your unique circumstances and budget. When working with KGJ, it’s during this consultation that our specialists will clearly explain all aspects of the policies, including exclusions and limitations.

Once a suitable policy has been selected and agreed upon, it is important that premium payments are kept up to date, as failure to do so could result in cancelled cover.

Finally, reviewing existing policies regularly helps to ensure adequate levels of cover, as well as making sure that premiums remain competitive. This can be achieved through regular contact with your experienced adviser from KGJ.

How do I choose the right commercial insurance for my business?

Choosing the right commercial insurance for your business can be a complex process, but there are some key steps you can take to help ensure you get the coverage you need. Here are some tips:

  • Assess Your Risks: Identify the risks that your business faces, such as property damage, liability claims and business interruption. Consider the size of your business, the industry you are in, and the specific risks that are unique to your operations.
  • Determine Your Coverage Needs: Based on your risk assessment, determine the types and amount of cover you need to adequately protect your business. Consider the costs of potential claims and the level of risk you are willing to assume.
  • Consider a Package Policy: Many insurance companies offer package policies that combine several types of coverage in one policy. This can be a convenient and cost-effective option for many businesses.
  • Review Your Policy Regularly: Business risks can change over time, so it's important to review your insurance coverage regularly and make adjustments as needed. Make sure your coverage is keeping up with changes in your business, industry and the overall risk landscape.
  • Consult With an Insurance Professional: An independent insurance broker can help you navigate the complex world of commercial insurance and provide guidance on the best coverage options for your business. Get in touch with the experts today.

By taking these steps, you can help to ensure that you choose the right type of commercial insurance for your business and protect your assets against a wide range of risks.


Is commercial insurance required by law?

There is no general legal requirement for businesses in the UK to have commercial insurance. However, some types of insurance are required by law or by professional bodies or trade associations, including:

  • Employers’ Liability Insurance: Under the Employers’ Liability Act 1969, businesses in the UK that employ one or more people are required to have employers’ liability insurance. This insurance provides coverage for employees who are injured or become ill because of their work.
  • Motor Insurance: If your business uses vehicles, you are required by law to have motor insurance that provides coverage for third-party injury or damage.
  • Professional Indemnity Insurance: Some professional bodies or trade associations may require members to have professional indemnity insurance to cover claims of negligence or errors and omissions in the provision of professional services.

In addition to these requirements, many businesses choose to purchase commercial insurance to protect against a range of risks, such as property damage, liability claims and business interruption. If you’re looking to protect your business from any unforeseen circumstances, it’s important to consult a commercial insurance specialist to find the best policies to suit you.

How can I lower my commercial insurance premiums?

Reducing commercial insurance premiums is a goal for many businesses, but it can be difficult to know where to start. Thankfully, there are steps that you can take and resources available that can help.

One of the best ways to reduce your commercial insurance premiums is by working with a commercial insurance specialist. A commercial insurance specialist will assess your current situation and then work with you on creating a package to cover your needs.

It’s important that all potential saving opportunities are identified so they can then be quantified early on before implementation begins. Once these numbers have been established, actionable goals may become clearer in regards to lowering associated costs related to the commercial insurance premium acquisition process itself.

Other Main Services