Is using an insurance broker more expensive than going direct?

Not necessarily. While brokers earn commission, they have access to a wider market and can often work to secure competitive premiums or broader coverage for the same price due to their market leverage and understanding of insurer risk appetites. They also save businesses time and internal resource costs.

Do I still need a broker if my business is small?

Yes, even small businesses can benefit significantly from a broker's guidance. They can help you understand essential covers like Public Liability, Employers' Liability (a legal requirement for most), Professional Indemnity, and Cyber insurance, which can be overlooked or misunderstood when purchasing direct. Cover may be available for these, subject to underwriting criteria and terms.

What happens if I need to make a claim?

Your broker acts as your advocate during the claims process. They will guide you through the necessary steps, liaise with the insurer on your behalf, and work to achieve a fair and swift resolution, helping to save you time and stress.

How do brokers help ensure I get appropriate cover?

Brokers conduct a thorough assessment of your business operations, identifying potential risks and legal requirements. They then compare policies from a range of insurers to find cover that aligns with your specific needs, helping you meet your duty of fair presentation under the Insurance Act 2015. Cover is subject to underwriting criteria and terms.

Are insurance brokers regulated?

Yes, commercial insurance brokers in the UK, including Focus Insurance Services, are authorised and regulated by the Financial Conduct Authority (FCA) under the Financial Services and Markets Act 2000 (FSMA). This helps ensure they meet minimum standards of competence and financial soundness and operate in your best interests.

Why Use an Insurance Broker in the UK for Your Business in 2026?

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