Business Details
50+ Years
experience
Emergency
services
Independent Insurance Brokers in Lancashire
Established in 1971 by Guy Penn, our business began as a community-focused insurance brokerage in Lytham St Annes. Over five decades, we have grown to a 48-strong team while maintaining our core philosophy of placing customer care at the heart of everything we do. Our head office remains on the Fylde Coast, with a second office in Lancaster serving clients across Lancashire. As independent brokers, we work exclusively in our clients' interests, partnering with reputable insurers to deliver tailored coverage.In 2020, we joined Ethos Broking to enhance our market presence while preserving our regional values. Our team places 12 million in premiums annually for diverse commercial and personal clients, combining local expertise with access to exclusive policy wordings. We pride ourselves on resolving issues promptly, offering 24/7 claims support through dedicated contacts. Our long-standing client relationships, some spanning generations, reflect our commitment to professional service with a personal touch.
Services
Commercial Insurance
Personal Insurance
Contractors All Risks
Cyber Risks
Goods In Transit
Liability Insurance
Motor Trade
Professional Indemnity
Property Owners
High Net Worth
Details
- Year established: 1971
Highlights and features
- We have 53 years of experience serving Lancashire communities
- Our 48-strong team provides personalized insurance solutions
- We partner with reputable insurers for reliable coverage
- Part of Ethos Broking for exclusive policy wordings
- 24/7 claims support through dedicated contacts
Associations and certifications
- Financial Conduct Authority
What people say
Personal care and attention
Saved me money
Efficient and competitive
Professional service
Tailored product
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions tailored to businesses of all sizes. Our offerings include Contractors All Risks, Professional Indemnity, and Motor Trade insurance. With access to exclusive policy wordings through Ethos Broking, we ensure appropriate coverage for diverse industries while maintaining competitive pricing and minimal restrictions.
Personal Insurance
Our personal insurance services cater to individual needs with flexible options for car, boat, household, and travel insurance. We specialise in high net worth policies that provide enhanced protection for valuable assets. Our brokers ensure clients receive optimal coverage that balances comprehensive protection with cost-effectiveness.
Cyber Risks Insurance
We offer specialist cyber risk insurance to protect businesses against digital threats. This includes coverage for data breaches, cyber attacks, and business interruption caused by IT failures. Our brokers help clients navigate complex cyber risks while ensuring appropriate safeguards and response protocols are included in policy terms.
Motor Trade Insurance
Our motor trade insurance provides comprehensive protection for automotive businesses including PL, EL, and Road Risks coverage. We handle complex policies for trade plate cover, business interruption, and high-value vehicle protection. Our brokers negotiate competitive terms while ensuring all operational risks are appropriately addressed.
Professional Indemnity
We provide professional indemnity insurance to protect service-based businesses against claims of negligence or professional errors. Our policies cover legal costs and compensation arising from alleged breaches of professional duty. Brokers ensure appropriate coverage limits and policy extensions match specific industry requirements.
People
Sara Kerr
Manager
With extensive insurance industry experience, Sara Kerr leads our 48-strong team while maintaining hands-on client relationships. She oversees daily operations across both offices and ensures consistent service quality. Her leadership combines strategic vision with practical problem-solving to maintain our customer-centric approach.
Linda Bury
Insurance Broker
Specialising in care home insurance for over 30 years, Linda Bury provides tailored coverage solutions to residential facilities. Her expertise includes policy reviews, risk assessments, and claims management. Clients praise her proactive approach and ability to explain complex insurance terms clearly.
Richard Chapman
Claims Specialist
Handling commercial claims since 2005, Richard Chapman provides 24/7 support for policyholders. He manages complex claims processes and negotiates settlements with insurers. His out-of-hours availability ensures continuous support for urgent insurance matters.
Clark Kent
Personal Lines Broker
Specialising in personal insurance solutions, Clark Kent helps clients find optimal coverage for cars, homes, and other assets. He focuses on simplifying insurance processes while ensuring comprehensive protection. Known for rapid policy implementation, he delivers tailored solutions within tight deadlines.
Mark Evans
Commercial Broker
With 15 years' experience in commercial insurance, Mark Evans specialises in property and liability coverage for businesses. He maintains long-term client relationships through regular policy reviews and proactive risk management advice. His expertise includes navigating complex insurance transitions during business changes.
Questions
What insurance products do you offer?
We provide commercial insurance (Contractors All Risks, Motor Trade, Professional Indemnity) and personal insurance (Car, Boat, Household, High Net Worth) with specialist options for unique requirements.
How are you different from online insurers?
As independent brokers, we offer personalized advice and negotiate tailored coverage through multiple insurers rather than generic online policies. Our brokers provide ongoing support before, during, and after claims.
How do I make a claim?
Contact our dedicated claims team via office numbers during business hours or use our 24/7 out-of-hours contacts. We aim to resolve claims promptly with minimal disruption to your business or personal life.
What areas do you cover?
While based in Lytham St Annes and Lancaster, we serve clients across Lancashire and surrounding regions including Preston, Cheshire, and the North West.
What is Ethos Broking?
Ethos Broking is a collective of independent insurance brokers that enhances our market access while maintaining our regional focus and customer-centric values.
Can you help with complex insurance needs?
Yes, our brokers specialise in complex cases including high-value assets, niche business risks, and multi-policy requirements. We negotiate bespoke solutions that balance coverage and cost-effectiveness.
