Business Details
13 Years
experience
Trusted Insurance Underwriting Services in Hemel Hempstead
Established in 2013, Advance Insurance operates as a dynamic niche product underwriter, delivering fast, friendly, and modern insurance solutions. As an approved Lloyd's Coverholder, we collaborate exclusively with rated insurers to provide comprehensive coverage across diverse sectors. Our 24/7 online trading platform offers over 20 specialized schemes, enabling brokers to access products efficiently while benefiting from competitive commission structures. With Financial Conduct Authority (FCA) regulation under registration number 821614, we combine regulatory compliance with tailored underwriting expertise. Our dedicated team supports brokers through personalized service, ensuring clients receive optimal risk management solutions.From commercial combined policies to motor fleet and property owners' insurance, we prioritize flexibility and accessibility. Our commitment to innovation is reflected in our per capita and wages & turnover rating systems, catering to 328 trades. We maintain transparency through monthly invoicing and straightforward payment terms, fostering long-term broker partnerships. Our physical presence in Hemel Hempstead, alongside nationwide service capabilities, reinforces our accessibility to clients across the UK. Through continuous product development and adherence to E-E-A-T principles, we maintain our position as a trusted insurance intermediary in the UK market.
Services
Commercial Combined
Motor Fleet
Household Liability
Property Owners
Public Liability
Employers Liability
Goods in Transit
Legal Expenses
Non-Standard Home
Made at Home
Details
- Year established: 2013
Highlights and features
- FCA regulated under registration number 821614
- 24/7 online quote and buy trading platform
- Competitive commission structures built into products
- Dedicated underwriting team with specialist expertise
- Approved Lloyd's Coverholder status with rated insurers
Associations and certifications
- Financial Conduct Authority
- Lloyd's Coverholder
Services
Commercial Combined
Our Commercial Combined policy provides comprehensive coverage for manufacturers, retailers, and wholesalers. Offering up to 2m sum insured per location with business interruption protection and public liability coverage. The policy includes employers liability and legal expenses, featuring a quick quote facility for 328 trades. This flexible solution combines premises all risks with goods in transit protection, supporting businesses with up to 10 workers and no minimum premium requirements.
Motor Fleet
Motor Fleet insurance caters to businesses with two or more vehicles, offering single policy management with claims experience rating. The scheme provides cost savings through consolidated premiums and any driver policies. Supporting both new and existing fleets, we offer competitive rates from major insurers with easy mid-term vehicle additions. Our solution includes directors' personal vehicles and maintains stable premium structures unaffected by individual policy increases.
Household Liability
Household Liability insurance covers standard and non-standard home requirements with buildings sums up to 2m and contents up to 250,000. The policy accommodates listed properties, adverse claims history, and business use scenarios. Features include legal expenses cover and UK-based 24-hour claims support. Specialised mid-net-worth options cater to high-value property requirements with flexible rating structures.
Property Owners
Property Owners insurance offers buildings sums up to 2m with loss of rent coverage for 12-36 months. The policy includes 5m property owners liability protection and supports multi-property portfolios. Commercial property coverage extends to 650+ trades with flexible no claims discounts. Residential landlords benefit from legal expenses cover and accommodation for non-standard construction properties.
Public Liability
Public Liability insurance provides up to 10m coverage for courier services and 5m for general liability schemes. The policy supports wages & turnover or per person rating with legal expenses included. Specialised options cover green energy contractors, cleaning services, and excess of loss requirements. Minimum premiums start from 48 with flexible extension options for employers liability and goods in transit.
People
Jon Collis
Director
Jon oversees strategic direction and business development at Advance Insurance, bringing extensive industry experience to our underwriting operations.
Carly Biggerstaff
Commercial Underwriter
Carly manages commercial underwriting operations, specialising in tailored insurance solutions for SMEs and property owners across the UK.
Jack Garnish
Motor Fleet Underwriter
Jack specialises in motor fleet insurance solutions, providing expert risk assessment and competitive pricing structures for business vehicle fleets.
Stuart Johnson
Commercial Underwriter
Stuart delivers specialist commercial insurance products, focusing on contractors combined and liability coverage for diverse industry sectors.
Daniel Ody
Motor Fleet Underwriter
Daniel provides technical expertise in motor trade and fleet insurance, ensuring comprehensive coverage solutions for automotive businesses.
Questions
Are you FCA registered?
Yes, we are authorised and regulated by the Financial Conduct Authority under registration number 821614.
Do you have minimum support levels?
No, we don't operate minimum support levels, accommodating businesses of all sizes with flexible solutions.
How do you invoice brokers?
We send monthly statements payable by the 25th of each month, with transparent billing processes.
Do brokers receive commission?
Yes, we build competitive commission levels into all products except fleet, with rates up to 25% available.
Can I get immediate access?
New agency sign-ups gain full platform access within 24 hours, with immediate quote and buy functionality.
What trading systems do you offer?
Our 24/7 online trading platform enables instant access to all products with dedicated underwriter support available.
