Commercial Insurance Brokers

Specialist risks and cover

Many types of Small and Medium sized Enterprises do not fit a defined category of business type and consequently do not fit easily into what is known as a 'catch all' package designed for a particular business sector, for example restaurants.

Those unique business types will need the assistance of a specialist broker who can help provide cover that can be tailored to the specific needs of their company or enterprise. This is usually achieved by offering what is known in the trade as a 'commercial combined policy'.


This type of policy can not be rated or underwritten online as the nature of each risk requires detailed individual attention and assessment. Attempting to fit a packaged cover to a unique risk may leave a business exposed in certain areas or under-insured.

Furthermore a good business broker will be able to provide covers that do not form part of a basic package but which may be essential for an unusual enterprise.

Our brokers can provide quotes for all your specialty business property or liability risks. Give us a call during normal office hours (Weekdays 9am to 5pm) on 08458 941 694 or complete our simple enquiry form below with brief details about your business type and the appropriate broker will contact you directly offering advice and information about cover and policies available for your particular business.



Specialist Risks and Cover Enquiry


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Higos Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FRN 302690)

Company registered in England and Wales. Company Registration No. 2667978

Registered office: Higos Insurance Services Ltd, 7 Cary Court, Somerton Business Park, Bancombe Road, Somerton, Somerset, TA11 6SB

Tel: 01278 343 360 Fax: 01458 274 196 Email:

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