Beacon's role
Beacon is a retail commercial insurance broker. “Retail” simply means we act directly for the client — the business buying the insurance — rather than acting for insurers or operating as a wholesale intermediary between other brokers and the market.
Our duty is to you. We assess your exposures, advise on the cover you need, present the risk to insurers, negotiate terms, and manage the programme and any claims through the year.
What that involves
- Understanding the risk. On-site surveys and structured risk reviews, not just a proposal form.
- Advising on cover. Identifying gaps, overlaps and inadequate limits or indemnity periods.
- Presenting to market. Building a submission that shows underwriters how the risk is genuinely managed.
- Negotiating terms. Using market competition and evidence of control to secure the right price and wording.
- Ongoing service. Mid-term changes, claims advocacy, and risk improvement between renewals.
Who we act for
We act for you, the client. Where we place business through insurers or other intermediaries, that relationship is disclosed. Beacon is an appointed representative of ES Risks Limited, which is authorised and regulated by the Financial Conduct Authority.
How we are paid
Beacon is typically remunerated by commission paid by the insurer, by a fee agreed with you, or by a combination of the two. Our remuneration is disclosed on request — and always in advance where a fee applies.
Please review before publishing. This page describes a regulated relationship and remuneration. It should be checked against Beacon's actual terms of business and approved by your compliance contact at ES Risks.