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Company Brochure
A specialist commercial insurance broker for hard-to-place, high-risk trades. We combine 30+ years of sector experience with genuine risk management. We are not just placing cover.
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High-risk businesses are often underserved by the standard insurance market. If you have been declined, non-renewed, or simply do not get the tailored service your sector requires, we are here to help. We combine 30+ years of deep sector experience with a direct, transparent approach so you get insurance that actually fits how your business operates.
We understand your trade. We speak your language.
Placement and risk management under one roof, delivered by people who survey the risk themselves rather than reading it off a proposal form.
Broking, risk management and risk improvement delivered as one continuous service. Not three disconnected exercises.
Our surveyors go on site. The findings inform both the risk presentation and the improvement plan which is what moves terms.
Declined and non-renewed risks are our starting point, not a reason to turn the enquiry away.
Most brokers stop at placement. We treat broking, risk management and risk improvement as a single continuous process.
Full broking exercises, fixed-price programme reviews, risk placement, claims management and risk reviews that are built around how your business actually operates.
Liability and property surveys, fleet risk assessment and programme design, with placement and risk management deliberately aligned.
Practical action plans, follow-up support, portfolio-level improvement strategies and ongoing risk consultancy.
A complete review and re-marketing of your programme: risk presentation, market strategy, negotiation and placement from first principles.
Liability and property risk surveys supporting accurate sums insured, realistic indemnity periods and better terms.
Prioritised, practical actions with clear owners and timescales which are then closed out and evidenced back to the market.
Hands-on notification, negotiation and settlement, with your interests represented throughout.
Where standard markets step back. These are the high-risk trades where understanding the operation is the difference between a decline and a workable programme.
Work at height, hot works and contract liability are exposures many insurers decline without ever looking at the controls in place.
Fire-exposed processing and storage with a historically difficult loss history, placed by people who understand the process.
Tenanted, mixed-use and vacant portfolios, where occupancy and condition drive both price and conditions of cover.
Contract works and liability across sub-contracted trades, structured around how the work is actually delivered.
Process, machinery and business interruption exposures needing specialist underwriting and realistic indemnity periods.
Storage height, sprinkler adequacy and stock accumulation are the details that decide whether a risk is written at all.
Fleet, goods in transit and driver risk management, where demonstrable controls directly move the premium.
If you have been declined, non-renewed or priced out, that is our starting point and not a reason to turn the enquiry away.
The classes we place day in, day out. If your risk sits across several of them, or outside them entirely, that is exactly the conversation we want to have.
Material damage and business interruption for complex, high-value and hard-to-place property, with wordings that reflect how the site actually operates.
Employers', public and products liability programmes underpinned by real survey evidence and the controls that drive the exposure.
Broader casualty programmes that need careful structure, considered wording and genuine market conviction to place well.
Property, liability, money and business interruption in one coherent programme; not a bundle of disconnected sections.
Motor fleet and specialist motor risks designed around driver management, telematics and claims experience.
Declined risks, complex multi-site programmes and tailored wordings that close the gaps an off-the-shelf form leaves open.
A different approach to high-risk trades that is grounded in the operation, not the proposal form.
Expert guidance without the jargon. You will always know what is covered, what is not, and why.
We work on the risk itself, not only the price. Reducing exposure is what genuinely changes terms.
Deep sector experience means nothing is lost in translation between your operation and the underwriter.
We work to secure solutions in the places where other brokers give up.
Beacon works with clients across the United Kingdom, with survey capability nationwide and a London base for market access.
On-site survey and service coverage from London & the South East to Scotland and Northern Ireland.
From property and liability through to specialist motor fleet, under one roof.
We place where the appetite fits, not where a network agreement points us.
Tell us about your business and your programme, and a specialist broker will come back to you.
Beacon Risk Solutions · c/o ES Risks Ltd
17 Bevis Marks
London
EC3A 7LN
© 2026 Beacon. Complex risk. Clear direction.