Insurance Broker for Smarter Businesses
Independent advice, broker advocacy, A-rated market access, and specialist PI, Cyber, D&O cover
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Scaling and Mid-Market Business Insurance
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We’re a Tech Focused
Boutique Insurance Brokerage
We’re a small specialist independent broker that embraces technology to provide a cost-effective advisory service to ensure your business is adequately protected. Authorised and regulated by the FCA, we’re experts at identifying insurance solutions for UK businesses.
Chartered Broker Status
50+ A-Rated Insurers
Bespoke Business Insurance
Our Commitment to Your Business Resilience
At Indemnity, we make sure your business can respond, recover, and continue operating in the face of a legal dispute, cyber attack or business disruption. We provide a broker advocacy service to ensure we understand your risk profile and recommend tailored insurance solutions that are not only appropriate, but form part of a broader risk management and resilience strategy.
In an increasingly complex insurance market, having a knowledgeable professional acting on your behalf can make a significant difference to both the quality of protection you receive and the outcome of any claims.
Bespoke Sector Specific Risk Transfer
Executive Director
Expert Broker Placement, Advisory Service & Claims Advocacy
In an era of automated insurance, we represent your best interests to ensure you purchase the most appropriate cover to meet your needs. We work on your behalf to remove any ambiguity, to provide the confidence that your cover will respond when you need it most.
We’re committed to protecting your financial interests and are experts in identifying, mitigating and transferring risk. As a Chartered Insurance Broker, we are held to the highest professional standards, whilst maintaining the knowledge and expertise to navigate the evolving world.
Risk Presentation & Negoiation
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We understand how insurers make decisions and are able to highlight potential red-flags before we engage with them on your behalf. Underwriting remains subjective and our expert broker advocacy means presenting your risk profile in the most favourable light can make the all difference in obtaining favourable terms from the market.
Insurance policies are legal contracts, and the wording of those contracts determines how claims will be handled. An important part of broker advocacy involves negotiating policy terms and conditions with insurers to ensure the cover provided aligns with your risk profile and needs.
Good brokers understand how policy wording can affect claims outcomes and will often work closely with underwriters to ensure that the structure is appropriate. This negotiation process helps ensure that the client receives tailored protection, rather than simply purchasing a standard policy written by the insurer.
Independent Advice & Support
As independent brokers are not tied to a single insurer, nor do we have any conflicts of interest. This allows us to provide objective and impartial advice, creating an environment that allows insurers to compete to win your business. We act on your behalf and duty bound to look after your interests, with our focus on identifying the most appropriate solutions to meet your needs.
We aim to provide a response to all enquiries within 4 hours. Insurers do not always make decisions quickly, but we’ll keep you updated with our progress and provide feedback once we receive it. We recognise that communication is key to promoting trust and aim to provide you with a seamless service.
Claims Advocacy
Claims advocacy is essential because it ensures your insurance works effectively when you need it most. When a claim arises, policies can be complex and difficult to interpret, and insurers may challenge how cover applies.
We have the knowledge to protect your interests and ensure you receive fair, timely, and full settlement for your loss. We work on your behalf to hold insurers to account, to ensure that valid claims are fully paid. In 2025, we overturned £1.2 million in initially declined claims for our clients.
Client Testimonials
Access to A-Rated London Market Insurers
Talk to our Experts
Frequently Asked Questions
What is the difference between using an insurance broker and going direct?
When you buy insurance directly from an insurer, you only get access to their products, and their employees are tasked to protect the insurance company’s bottom line - not yours.
As an independent insurance broker, Indemnity acts as your agent and holds fiduciary responsibilities to look out for your best interests. With only a handful of insurers providing B2C solutions you will only have a limited view of the market if you go direct.
We have access to a wide range of Lloyds and London market insurers, allowing us to source and compare coverage from dozens of competing insurers.
What is broker advocacy in insurance?
Broker advocacy refers to the services we provide as an insurance broker in representing and protecting the interests of our client when dealing with insurers. Rather than simply arranging insurance policies, we act as independent advisers who help our clients understand risks, negotiate coverage on their behalf, and support our clients during claims.
By representing our client’s interests, we help ensure that commercial insurance arrangements provide better protection and value for money.
Why should we use Indemnity to arrange our business insurance?
Indemnity has the knowledge, experience and expertise to negotiate the most favourable cover and premiums from the market with a panel of +50 insurers. We offer an advisory service for no additional cost, identifying what risk exposures are important and find suitable policies that transfer those risks.
For scaling businesses to mid-market enterprises, we can identify comprehensive and cost-effective solutions. By partnering with a wide range of composite insurers, Lloyds Syndicates, and MGA’s, we can identify appropriate and bespoke covers that your business or charity needs.